PayPal Credit - Reasons for denied increase?

[Squee13]

Curious about why my increase was denied. I did actually call PayPal, but truthfully the guy was not helpful. He was just going on about how Walmart doesn't have a say in the credit increase (of course I get that!), and it wasn't until the end that he straight out said "I see right here that your request for an increase tried to go through, but it was denied" - which is me paraphrasing, he didn't even put it all out on the table like that. He couldn't tell me why I was denied.

I was trying to make a purchase at Walmart.com, which Walmart says they no longer accept PayPal Credit, unless it's linked to your PayPal account (which mine is). I thought maybe that could be a problem - that it wasn't really tripping the PayPal Credit to request an increase.

When I got a PayPal Credit increase a year or so ago, it was automatic, but it was BillMeLater back then.

I have never missed a payment, and I mostly pay above my minimum payment. I just received credit increases on my actual 2 credit cards, so I'm curious as to why I could have possibly been denied?

[AjThomas]

PayPal credit is through commenity capital bank it is also a part of commenity bank which most retail stores use. If you have other credit accounts through commenity bank they are looking at your cumulative account total... also what you put as your annual income makes a HUGE difference...with perfect payment history this tends to be the only other reason they would deny a increase hope this helps.

[Squee13]

Thank you, AJ.

My only other cards are with Capital One and Chase. 

I do not see anywhere where I can update my annual income. With my other credit cards, it asked.

ETA: I still have not received an email from PayPal Credit stating why I was denied, and PayPal Credit FAQ CLEARLY states that you should expect an email.

This is why I think that ordering from Walmart didn't really trip the action on PayPal Credit's side of reviewing my account for an increase. This is what I had been trying to tell the PayPal operator, but he kept thinking I was saying it was Walmart's fault or that I was implying Walmart was the one who controls the increases 😕