I got instantly approved for a $3750 line of credit. I immediatley purchsed $875 worth of merchandise and got 6 months, no payment, no interest. They seem to be diligent about their email updates about due dates. I am not sure why others have issues.
Excellent payment history with them. Yet each year they check my credit score and because I had payment trouble with a couple other creditors, my score isn't that great now. 2 years in a row they lowered my credit limit to whatever the balance at the time is. Went from a $500 credit line to $280 now. If my balance was $50, I'm sure thats what my credit line would be right now after they lowered it. Once I pay off this credit line, I'm done with them and closing my account. Not worth it. If I would have known they would lower your credit line even with excellent payment history, I'd have never applied.
These reviews were written by current and former cardholders in the last year.
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
Fair... So many irrelevant complaints...
Convenient is the first word that comes to mind. Now I've got to leave my thoughts on the posts above or before mine... too many individuals complain about issues that are completely your fault. This is a bank who is lending you money. Their own money. They've got no obligation to you, nor do they need to honor many of the various ridiculous demands, requests or rescue you from absolutely irresponsible and outrageous actions. I think people need to start taking responsibility for your actions. Also, for goodness sake— don't you read the fine print? There's no 'trap' of any means or shoddy services, only unreasonable or absurd expectations and irresponsible people. Credit is a privelidge, not a right. Repair your history or score if it's in need of doing so, read the fine print in the contracts and if you don't understand it, then call and ask... or contact a paralegal or attorney who will translate the words to you...
Horrible customer service
If you ever have a question concerning a transaction then good luck. I called to ask a question about a recent transaction and was diverted to 6 different people that could not answer me. Each time I had to verify my account and personal information. Finally I just asked to have my account cancelled. I have had this card for 15-20 years but if I can't get answers when I need then I do not need the card. From a very disappointed customer.
Concerned..
I pay off the balance on this card every month and it takes them 2 weeks to verify the payment cleared my checking and will only release the funds if you call and ask them to do so.
Doesn't have your back if you're defrauded
Long and overly complicated PayPal review process with unreliable communication channels. Chinese company sold me shoddy, smelly, poorly made clothing. They steal designer photos for their ads and change company name frequently, blocking negative reviews on their site. I trusted PayPal credit card to protect me like Discover does. They left me holding the bag, which means they are as immoral as the Chinese company, Modlily. I cancelled my card after paying a bill I should never have been forced to pay. I will never do business with either company again, and will warn all who listen to stay away from both.
great
i had bad credit, was approved for $800 then paid it off in 6 months then they increased to $1500.
What was your credit score?
Worst monthly payment ever
i had paypal credit over 3-4 year it was easy to used it but the worst of all is monthly payment fee is ridiculous by paying extra $25 or more for the late fee and doesn't have special benefits for cash back or earning points for discount...
Lowered credit line after a year
Excellent payment history with them. Yet each year they check my credit score and because I had payment trouble with a couple other creditors, my score isn't that great now. 2 years in a row they lowered my credit limit to whatever the balance at the time is. Went from a $500 credit line to $280 now. If my balance was $50, I'm sure thats what my credit line would be right now after they lowered it. Once I pay off this credit line, I'm done with them and closing my account. Not worth it. If I would have known they would lower your credit line even with excellent payment history, I'd have never applied.
When they rechecked your credit, was it a hard inquiry?
WILL RUIN YOU
DO NOT GET THIS CARD! I had this card for 9 years I NEVER missed a payment and I was never late not even one time!!! Not once in 9 years! I had a $1100 limit and was using this card to fix my credit score. This company does not care about your history with them, they kept decreasing my limit and would therefore keep decreasing my credit card utilization. Everytime I would bring the balance down, they would lower my limit. If I brought my balance down to $800, they brought my limit down to $800, I could NEVER win with them! Once I got my balance down to $200, they decreased my limit to $200! They literally wrecked my credit score even though I had paid them faithfully on time for 9 years!!!
Disappointed
I filed a dispute against a company with a reputation for ripping off customers. Pay pal credit customer service assured me the matter would be taken care, the disputed amount would be removed from my remaining balance, not to return the merchandise until further notice from Paypal of the correct address. That was over a month ago. Each time I call, the answer is always the same, it is being investiagated. As a long-term customer of Paypal Credit, I paid bills on time every month and was called one of their preferred customers. With a credit line of over $4,000, I am seriously considering closing this account and use my 0% credit card for future purhcases. Had I used a credit card for this transaction, the amount would have been deducted from my balance, pending an investigation. I have lost confidence in dealing with this company and would not take the chance of
terrible
i got a 1500 line of credit used 487 of it and trie few days later to make another purchase and will not let me use it at all was trying to take advantage no financing fee for 6 months no interest one in the custmer service dept can do nothing because a computer makes all the decisions not the humans why give me credit if i cant use it