Auto CLI from the IT Card

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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MemberSince99
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Postby MemberSince99 » Fri Dec 20, 2013 7:49 pm

That's understandable otter. 750 isn't a very usable limit, but 2k is at least something you can use.


By the way if you've been using that Paypal card heavily and PIF, GE is known to be generous. I started with a 3k limit like you have, used it really heavily and PIF every month and after either 3 or 4 months, they auto CLI it to 5800. That was my bump to over 5k, and other lenders started to follow. Of course you already have the Duck card at 10k but your Paypal card can grow pretty quickly too.


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otter
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Postby otter » Fri Dec 20, 2013 9:34 pm

I think the auto increase from GE on the PayPal card will come next month. I'll probably get an increase on the Barclaycard as well within a month or two. CrapOne will have its "Steps" increase, but I'll be closing that soon anyway,

The thing with credit limits, is a lot of these issuers seem to be "scared" of giving a CL much higher than anyone else. That's why an issuer like OCCU (Duck and Beaver cards) is such a game changer for so many people.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

Ikarus
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Postby Ikarus » Sat Dec 21, 2013 1:02 pm

Does PayPal still offer a debit card to access funds?

I'd rather have that than another credit card. If I did got with a PP credit card, does it allow you to add seller funds to the credit card for statement credit?
Merrick Bank (Hooters) 4100
Cap One Quicksilver 2800
Discover it 2500
Citi Forward 5400
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 5600
Cap One Visa Platinum 750 (CLOSED)

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otter
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Postby otter » Sat Dec 21, 2013 9:58 pm

Ikarus wrote:Does PayPal still offer a debit card to access funds?

I'd rather have that than another credit card. If I did got with a PP credit card, does it allow you to add seller funds to the credit card for statement credit?


I'm pretty sure they do, but not 100% sure... honestly I don't use PayPal as often as many people do. What attracted me to PayPal Extras was the 3% (but really around 2.4% for restaurants and the fact that GE is generous with CLI's. PayPal has never impressed me as a service and their user-unfriendly website is a nightmare.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

MemberSince99
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Postby MemberSince99 » Sun Dec 22, 2013 12:07 am

Yeah I remember when I had that card, the website made US Bank's site look sophisticated and polished.


I hear Paypal was fine until eBay bought them. Now for the most part they hold the sellers down while the dishonest buyers screw them. I read an account recently of a guy who claimed he sold a coin for 2 grand on eBay (must have been some coin). The buyer after receiving it claimed he never authorized the purchase and demanded a refund. Paypal in turn demanded the guy refund the buyer's money without the guy sending back the coin (I guess he was just free to keep it).


I really don't see how they can get away with that. And from what I've read, if you don't follow all their demands, they put negative things in your credit and send collectors after you.
That's why I just gave up on Paypal and eBay, I got screwed too many times and got tired of it. If credit cards ever get as bad as Paypal in terms of fraud protection, I'll go back to using cash.

darkguy2
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Postby darkguy2 » Sun Dec 22, 2013 12:30 am

Yeah they get pretty crazy. Like the violin from WWII that they told the buyer to destroy instead of sending it to enable them to get a refund.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

RewardHop
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Postby RewardHop » Sun Dec 22, 2013 2:11 am

MemberSince99 wrote:Yeah I remember when I had that card, the website made US Bank's site look sophisticated and polished.


I hear Paypal was fine until eBay bought them. Now for the most part they hold the sellers down while the dishonest buyers screw them. I read an account recently of a guy who claimed he sold a coin for 2 grand on eBay (must have been some coin). The buyer after receiving it claimed he never authorized the purchase and demanded a refund. Paypal in turn demanded the guy refund the buyer's money without the guy sending back the coin (I guess he was just free to keep it).


I really don't see how they can get away with that. And from what I've read, if you don't follow all their demands, they put negative things in your credit and send collectors after you.
That's why I just gave up on Paypal and eBay, I got screwed too many times and got tired of it. If credit cards ever get as bad as Paypal in terms of fraud protection, I'll go back to using cash.


Do you have a link to where you read about this? Seems a little hard to believe as Paypal protection (assuming you follow the guidelines) is meant to protect sellers from things like that.
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

MemberSince99
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Postby MemberSince99 » Sun Dec 22, 2013 11:47 am

Unfortunately no. I was somehow reading some article on credit cards and Paypal and it was a forum setting like this and that's what the guy said.


I know. But I also know as a seller it's very easy for buyers to rip you off. It sounded strange to me as well but I guess I wouldn't be too surprised. At the very least the buyer can always say SNAD (significantly not as described) and say about anything and Paypal will side with the buyer because then it's "he said she said".

flan
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Postby flan » Sun Dec 22, 2013 9:43 pm

darkguy2 wrote:Yeah they get pretty crazy. Like the violin from WWII that they told the buyer to destroy instead of sending it to enable them to get a refund.


That violin was clearly fake, and the buyer had an expert opinion to that effect. Knowing that, it seems unwise for PP to tell the buyer to send the fraudulent instrument back to the seller, so they can attempt to defraud someone else.

There are so many good reasons to dislike pay pal, why pick one where there behavior is perfectly rational, and in accordance with their written policies?

darkguy2
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Postby darkguy2 » Sun Dec 22, 2013 10:52 pm

Did not know that it was fake. Only read the original article and did not see a follow-up. Thanks for letting me know.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)



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