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Trying to get like you dog
Man, I’m old now lmao.
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Trying to get like you dog
Hey guys!
I just want to know if any of you mess with Paypal Credit. If so, could any of you provide your experiences using it, and would you recommend it? Thanks!
I use it pretty frequently, 6 months with 0% APR for purchases of $99 or more is a great deal IMO.
Also, it is a hidden credit line, meaning they don't report utilization or credit limit on your personal report.
I believe it is a hard pull for applying, however. Someone correct me if I'm wrong.
From what I have read online, there are two different versions.
I have the one without the physical card that just connects to your PayPal account. There is another version with a physical card (two different banks).
What would happen if i dont use my CC for a full month? 500 being my credit line and i dont use it for my first month of having it?
What would happen if i dont use my CC for a full month? 500 being my credit line and i dont use it for my first month of having it?
Your score is based on when the CC company cuts the statement. Meaning, had you paid off the balance before the statement posted, your score wouldn't have been negatively impacted.I don't get it. My score decreased 17 points but all I did was eliminate the balance on one of my cards. No recent missed payments or inquires..
Elaborate.Your score is based on when the CC company cuts the statement. Meaning, had you paid off the balance before the statement posted, your score wouldn't have been negatively impacted.
Elaborate.
Using too much of your available credit can hurt your score. Let’s say your credit limit is $500, you charge the whole $500 to your new card and your statement posts. Your score is likely to decrease because of your utilization. I think the rule is to keep your utilization under 10% of your total available credit. So you wanna make sure you’re 1.) you’re never charging too much 2.) paying off your balance in full before your statement posts. Hope that makes sense.
Thanks bruh's. Im still learningYou can charge as much as you want if you make multiple payments. Just make sure that when the statement cuts it is under 10%. If you're not planning on applying for credit then I'd say it's ok to let it report more than 10%. Just don't pay interest imo.
Hey guys!
I just want to know if any of you mess with Paypal Credit. If so, could any of you provide your experiences using it, and would you recommend it? Thanks!
its 10% now? Always thought it was 30%
Thinking about doing this but idk if I’ll be able to or even want to spend $3000 in the next 90 days . Gonna look on reddit and see if there’s any new ways to churn and I’ll def sign up.. 50k points I can redeem for $500 cash is nice. $95 annual fee
Been thinking about signing up for the chase Sapphire Reserve but I’m in the same boat I don’t think I’d be able to do the $4000
I just recently spent almost 3x as much as I normally do in a month so I wish I had a new card to put that $ towards but I wasn’t even thinking about that
Unfortunately/fortunately I have no big purchases coming up. Just asked my dad too and same for himGot any tuition coming up or anything?