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annamarialau7 New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

If you go over ur credit limit does it affect your credit file, does it go in ur file as going over ur limit.

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Lancerz New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

So if try to make a purchase for $250 and I only have $150 available and I don't get approved for an increase do they attempt to use one of my backup payment methods?
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FirstRedemption New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

According to their website, yes it does auto use another payment method: 

 

"

Available credit

This is the amount you have left to spend.

Need a little extra? Good news. When you check out with PayPal Credit, if you don't have enough available credit to cover your purchase, your account is instantly reviewed to see if you qualify for an increase. And if it can't be done, we'll let you know why.

Either way, it won't affect your credit report and there are no fees or penalties for trying.

If you don't qualify for an increase, we'll use one of your other linked payment methods instead. For more information please read our user agreement."

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shannonLeah71 New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

"The only way you can increase your PayPal credit limit is by making a purchase that is over your credit limit or credit availability."

 

That is not true. It may be one way, but not the only way. 

 

I have never surpassed my credit limit with purchases. I have raised my limit by purchasing items with what credit they initially gave me and I am dilligent in paying balances off in timely fashion. I never spend more than I can pay off with in three months. I have never asked for credit limit increase, but see my limit increases when I sign on to pay bill. They seem to raise it according to the old fashioned way.... company gives person credit... person shows they will pay... company increases limit.

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Mia_Meow New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

[ Edited ]

YOU ARE ABSOLUTELY CORRECT I HAVE HAD MY ACCOUNT FOR 2 YEARS AND I HAVE ASKED FOR INCREASES WHEN I MAKE PURCHASES ON EBAY ABOVE MY AVAILABLE CREDIT. ONCE IT GOES THROUGH NO IMPACT ON MY CREDIT SCORE THEY EITHER APPROVE ME OR DON'T. MY LIMIT IS INCREASE TO COVER THE AMOUNT REQUESTED. WHEN I PAY OFF MY PURCHASES BEFORE THE 6 MONTHS THEN THE AMOUNT REMAINS AT THAT LIMIT. I KNOW WHEN I AM DECLINED ITS BASED ON MY OTHER ACCOUNTS AND HOW MUCH I AM USING SO YOUR CHANCES OF GETTING APPROVED IS BASED ON YOUR OVERALL CREDIT USAGE. BUT I GUESS IF YOU PAY IT OFF IN FULL THEY ARE KNOWN TO GIVE AUTOMATIC INCREASES WITHOUT REQUESTS.

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bessie120 New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?


snowshoe wrote:

Did you try this?

 

Can I request an increase to my credit limit?
Yes. It is recommended you wait at least three months after you are approved for the card before you request a credit limit increase. To make a request, visit the Service Site and request a credit limit increase. If you are eligible, you will receive an immediate increase. You can get to the Service Site by logging in to your PayPal account, then clicking the "View Card Details" link in the PayPal Extras MasterCard section on the "Account Ov


snowshoe wrote:

Did you try this?

 

Can I request an increase to my credit limit?
Yes. It is recommended you wait at least three months after you are approved for the card before you request a credit limit increase. To make a request, visit the Service Site and request a credit limit increase. If you are eligible, you will receive an immediate increase. You can get to the Service Site by logging in to your PayPal account, then clicking the "View Card Details" link in the PayPal Extras MasterCard section on the "Account Overview" page.



erview
" page.


 

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Mischdn New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

[ Edited ]
Okay, you guys are doing this all wrong. Just call: Paypal Credit +1 866-300-6432 its an automated system. She goes throught your account balance etc. Then will ask what can I do for you? Just say "credit increase" she will ask how much you need for the next purchase? (Not that you need to make one) My suggestion is start with an increase of double your currant balance upto $2500. She will ask your net income. Then give you answer. If approved you need to say yes or no. Now comes the gamble part. You can say no and start process over from saying "credit increase" I did this 3 times and got it up quite a bit. I got greedy and tried a 4th but she denied it. I tried going back to last accepted offer and was DENIED. So I believe 3 strikes and it locked it. I will try again tomorrow or in few days. This is my 3rd time getting increase this way. I try every 3 months. If denied wait another month. Good Luck!
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DPCreations Volunteer Advisor
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

@Mischdn

Have you actually used your credit increase?

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Mischdn New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

Yes, I do. I've increased it above what I would feel comfortable spending now, but it helps keep my balance under 30% with the increases.
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lesthanzero New Community Member
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Re: How do I request a Credit Limit Increase on my Pay Pal Extras Credit Card?

I just preordered the surface pro 4 and used my paypal.  My credit limit was $585 and I had $280 available.  The total charg for the surface was $978.  I was approved and given 6 months to pay it off.  So yes it its true, you must do the purchase to bring you over your credit limit for them to look into giving you a credit line increase.  I confirmed this with customer service.

 

Hope this helps.  Good luck all.

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