In standard practice, we typically prioritize opening PayPal Business accounts when CC fullz are unavailable, as these accounts generally offer greater stability. However, if you possess CC fullz, it is advisable to begin by creating a personal account first.
During this process, attempt to link the provided card details to the PayPal account. If successful, this indicates that the card has not previously been associated with another PayPal account, presenting an optimal opportunity to apply for a PayPal Credit facility.
Once the account is established with a verified credit line, you may either cash these out independently or sell the account on markets, typically for approximately 10% of the available credit line. For optimal results, I highly recommend allowing the account to mature for at least one month before initiating any transactions or sales.
1.- Register a new personal PayPal account.
2.- Input the registered address precisely as it appears on the provided credit report.
3.- Select “Mobile” as the contact number and associate it with a Google Voice number for verification.
4.- Ensure you select “Credit” (not “Debit”) when entering card details. If the billing address on the credit card differs from the one on the credit report, first attempt using the credit report address. If unsuccessful, revert to the original card billing address.
Note: If the card fails to link, the account will not be eligible for PayPal Credit.
5.- Once the card is successfully linked, you will see an option to apply for PayPal Credit. Ignore this for now.
6.- Now verify your registered email address and confirm the Google Voice mobile number.
7.- Navigate to ‘Settings’ and:
– Adjust the time zone to match the account holder’s location.
– Set up security questions to enhance account validity.
8.- Link the pre-prepared bank drop associated with the fullz.
9.- Once the bank account is fully linked and confirmed, proceed to add the SSN of your fullz.
10.- Log out and allow the account to remain inactive for at least 48 hours before further action. This ensures PayPal’s systems fully process the new data, reducing suspicion.
11.- After the 48-hour waiting period, log in to your account. On the summary page, locate the “More time to pay” option. Proceed with the application, ensuring:
– The address matches the credit report precisely (no discrepancies.)
– The DOB and SSN are entered exactly as provided.
12.- When directed to the PayPal Credit terms and conditions, scroll slowly to simulate genuine reading. Spend approximately 5 minutes on this page before accepting the terms.
13.- Approval rates typically hover around <50% for these accounts.
If approved:
– Deposit clean funds into the account immediately.
– Wait at least 72 hours before attempting to use the credit line (transactions may still face verification delays.)
If declined:
– The account remains usable; upgrade it to a Business account instead.
Key Considerations:
a) IP Address: Always use a residential IP when applying for and managing these accounts.
b) Direct cash outs from PayPal Credit accounts are notoriously difficult. Selling the account on market for ~10% of the credit limit is often more efficient.
c) Approved credit lines may vanish unexpectedly without explanation; this is a common occurrence.