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I recently applied for a Paypal credit card and was denied, with the reason being "RISK OF INVALID IDENTITY". I have has a PayPal account for 20 years, they have my SSN, passport, bank account, debit card, 4 credit cards, payroll direct deposit. I also have a credit score of 785.
My wife's account is 2 years old, with no connected bank or cards, no ID, and a credit score of 640, and she got a card for $2,500!
How is this possible?