Obtaining a second Credit Card

Discussion in 'Payment Processing' started by zac439, Apr 14, 2007.

  1. #1
    I am in need of a second credit card to get a personal account with paypal. However, I do not wish to do business with another bank at all. Can I get a second one in my name at my current bank?

    I do not want to open a business account at my bank. Can I possibly use the paypal debit card they issue as a second account? What other alternatives might I have?
     
    zac439, Apr 14, 2007 IP
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  2. 8everything

    8everything Peon

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    #2
    Yes this can be done, you're not restricted to one CC per bank account... some people have tons. Talk to your bank about other cards available.. you can have one visa and another american express (2 different companies) for example.
     
    8everything, Apr 14, 2007 IP
  3. waikit86

    waikit86 Peon

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    #3
    You can have as many credit cards as you like as long as you have good credit.
     
    waikit86, Apr 14, 2007 IP
  4. 8everything

    8everything Peon

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    #4
    Right :D But when you start off you don't really have any credit (which is much better than a negative one).

    That's another key point.. you may need a co-signer or proof of income....
     
    8everything, Apr 14, 2007 IP
  5. waikit86

    waikit86 Peon

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    #5
    Oh! I just read zac439's other post. He is going to be 18 in a month.

    I don't think zac439 has any credit since he is still young, but he should be fine if he is going to College or University because he can apply for a student credit card and most likely it will get approved.

    Are you from USA, zac439? I don't know much about the credit card thing in the State, but I heard you guys can apply for a credit card at 16 years old, right?
     
    waikit86, Apr 14, 2007 IP
  6. zac439

    zac439 Notable Member

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    #6
    Yeah, you can get a joint account at that age. Basically, you share an account with a parent- and if anything goes wrong, they are responsible.

    Haven't had any problems with it, I've had my debit/credit for almost a year now. Does that add to my rating?
     
    zac439, Apr 15, 2007 IP
  7. 8everything

    8everything Peon

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    #7
    What do you mean by rating? If its paypal rating, no. They are based on positive transactions among verified users (so if a user doesn't file a complaint within 30 days of the transaction, that would be deemed as a positive transaction)
     
    8everything, Apr 15, 2007 IP
  8. zac439

    zac439 Notable Member

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    #8
    credit rating :p

    Haven't had troubles with Paypal either. Does that make me less at risk? Where can I see my score?
     
    zac439, Apr 15, 2007 IP
  9. 8everything

    8everything Peon

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    #9
    Oh yes for sure :) Don't worry about it too much... with a good credit score you can get more CCs
     
    8everything, Apr 15, 2007 IP
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  10. zac439

    zac439 Notable Member

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    #10
    Any idea where I can see my Paypal score? Or can I?
     
    zac439, Apr 15, 2007 IP
  11. 8everything

    8everything Peon

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    #11
    Log into your paypal account, do you see any numbers beside your username? That's where it should be located.
     
    8everything, Apr 15, 2007 IP
  12. zac439

    zac439 Notable Member

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    #12
    Just 1! Interesting, this should be increasing a great deal within days. I have done an incredible amount of business- odd that I don't have a higher score yet.

    Do you only get one possible point per possible seller? Or per transaction?
     
    zac439, Apr 15, 2007 IP
  13. 8everything

    8everything Peon

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    #13
    I believe its per seller.. so they don't count duplicate transactions from the same seller (because I have much less points than positive transactions that I have... but I also deal with the same clients over and over again). Also remember: just from verified users.

    This system is good... keeps your account "safe" and from paypal thinking it as suspicious activity in it :)
     
    8everything, Apr 15, 2007 IP
  14. waikit86

    waikit86 Peon

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    #14
    It doesn't depends on how many sale or transaction you have. It depends on how many verified buyers have sent u payment.
    If you customers pay directly using their credit cards (without PayPal account) or you customers haven't been verified, it won't increase your score no matter how many sale you have.
     
    waikit86, Apr 15, 2007 IP
  15. AcceleratedMarketing

    AcceleratedMarketing Peon

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    #15
    Another option would be to get a prepaid visa/mastercard from a company like wired plastic, so you know that you will be approved.
     
    AcceleratedMarketing, Apr 15, 2007 IP
  16. zac439

    zac439 Notable Member

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    #16
    Approved for what? I have a very neutral credit rating, and my paypal has been verified...
     
    zac439, Apr 16, 2007 IP