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The materials contained on this website are provided for general information purposes only. Watch Online Movies does not accept any responsibility for any loss which may arise from reliance on information contained on this site. Pay. Pal Smart Connect Review newdirt. I applied for the Paypal Mastercard a few days ago, but was approved for the Pay. Pal Smart Connect line of credit instead. My credit is not that great, but Ive been able to gradually bring my scores up with the aid of two secured cards Cap. One and BOA. Ive been approved for an Ally Auto Loan and now this line of credit since I started rebuilding my credit about a year and a half ago. Why I chose Paypal Ive been active as an occasional e. Bay buyer and seller for the past ten years and I use Pay. Pal every month to pay for different services from domain name renewals and online memberships to sometimes accepting payments associated with my occupation. I thought either the Paypal Mastercard or Pay. Pal Smart Connect would be a great option to continue re establishing my credit history. It would also help my credit mix as I currently do not have any retail cards and I didnt want to get just any retail card for the sake of having one. For those of you who havent heard about this card before, Pay. Pal Smart Connect is a credit line offered originally through GE Capital Retail Bank GECRB, now Synchrony Bank. It is not a physical credit card, but a line of credit linked to your Pay. Pal account. However, if you have a Paypal debit card you can set this line of credit as your backup fund and pretty much use your debit card as a regular credit card. It has no annual fee and can be used anywhere Pay. Pal is accepted. Additionally, your Pay. Pal debit card will earn you a 1 cash back from every purchase. Not a lot, but its something. Pay. Pal Smart Connect has a pretty high APR 2. I said before, I will use this credit line for rebuilding. I will pay my balance in full every month, so I dont really care about the APR. Also, Ive read comments from other people using Pay. Pal Smart Connect saying you can request credit line increases every four statements. This is an automated request done through the phone with no hard pull, so Im looking forward to that. I appreciate when banks let you grow and reward you for being responsible. Now for the details Application Date Late May, 2. Account Type Retail CardCredit Card. Credit Report Pulled Trans. Union. My Score when Approved 6. ExperianLine of Credit Approved 5. Current Line of Credit 4. Timeline. June Applied for Pay. Pals Mastercard. Approved for Pay. Pal Smart Connect instead. CL. August Received 3. New credit limit 8. December Requested a credit line increase through their automated phone service. Received a 5. 00 increase for a new credit limit of 1. Timeline. April Requested a credit line increase through their automated phone service. Received a 2. 00 increase for a new credit limit of 1. August Requested a credit line increase through their automated phone service. Received a 2. 00. Timeline. April Received a letter saying that my Paypal Smart Connect is being upgraded to the Pay. Pal Extras Mastercard. PROS Got an automatic credit line increase after only two statements. After this, Ive been approved for credit line increases every 4 statements. GE is known to be generous about giving credit line increases and apparently you can request one every 4 monthsstatements. This is all done through their customer service number. Its automated, painless and they only do a soft pull. CONS No physical credit card given, but line of credit can be linked to your Pay. Pal debit card which can then be used as a regular credit card. OVERALL REVIEW I was initially approved for a 5. This was my first unsecured credit approval in years. Ive had this line of credit for about 4 years and my credit line is currently at 4. Along with a couple of other credit cards, this Pay. Pal card offered by Synchrony Bank originally GE has helped me rebuild and re establish my credit. I use Pay. Pal Smart connect often for e. Bay purchases and other Pay. Pal payments. After almost four years of having this account, I received a letter saying that my Paypal Smart Connect is being upgraded to the Pay. Pal Extras Mastercard. My APR was also lowered to 2. Still very high, but they did lower it. I will update this review again when or if I have something new to add. Please feel free to ask questions, add comments or share your experience with this line of credit.