I received my first AA from PayPal smart connect and now I am having nightmares about my other card companies doing it. I’m afraid to continue making large payments to stay on track of being credit card debt free by March. In the few weeks I’ve been working hard to work on my credit it’s been honestly depressing. Credit score either not moving or going down by a few points then this AA. What’s so blinding about the AA is there’s no real warning like it’s coming, similar to getting rear-ended or side swiped. *sigh* just doing my own little pitty party.