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Uber Visa Credit Card Data Points Thread for Approvals

Regular Contributor

Re: Uber Visa Credit Card Data Points Thread for Approvals

@ABCD2199

Yes I had the Sallie Mae before they nerfed it into the Commence Card.

Even though there were small caps $250 for gas/grocery, $750 amazon monthly, 5% back on groceries, gas, and amazon wouldn't last long for Sallie.

I just looked and both my Sallie Mae and Cash Forward are open have a $500 limit. Oh well. Guess they closed all but $500.

New Member

Re: Uber Visa Credit Card Data Points Thread for Approvals

Got a security verification needed when I called. Asked me to mail them a copy of my ID, SS and any utility bill with name on it. Sounds a little too much imo. Anyone else went through with this?
New Contributor

Re: Uber Visa Credit Card Data Points Thread for Approvals


Olah_Molah wrote:
Got a security verification needed when I called. Asked me to mail them a copy of my ID, SS and any utility bill with name on it. Sounds a little too much imo. Anyone else went through with this?

This is Barclay's standard process for identity verification.  Especially since the Equifax breach, this request has become more frequent.


                                             ~Deep in the Garden~
New Member

Re: Uber Visa Credit Card Data Points Thread for Approvals

declined Smiley Happy

 

Make more than 130k, but been here in US for around last 5 months.

New Contributor

Re: Uber Visa Credit Card Data Points Thread for Approvals


reverse wrote:

declined Smiley Happy

 

Make more than 130k, but been here in US for around last 5 months.


Mind sharing some other data points? AAoA, recent HP's, existing accounts with Barclays, utilization?  Income definitely factors into determining credit lines and increases, but is not as big of a factor for approval.


                                             ~Deep in the Garden~
New Member

Re: Uber Visa Credit Card Data Points Thread for Approvals

New here .. not sure of the terms you used .. but here it is .. 

 

Moved here 5 months ago .. 

have 1 secured card with BoA and discover .. total $1200

 

I make payments way before time .. upto 5 times a months LOL .. to be able to use the card ..

 

didn't know that applying hurt your score .. had score of 689 on TU now 672

 

got 3rd card approved .. but simulator tells me that score would hit 660 .. as it would reduce the overrall avg account history period. 

Moderator

Re: Uber Visa Credit Card Data Points Thread for Approvals

Hi @reverse, and welcome to myFICO! welcome.gif 

 

Here's a link to a thread that lists common abbreviations used on myFICO:  http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458

New Member

Re: Uber Visa Credit Card Data Points Thread for Approvals

AAoA <  3 months Smiley Happy

HP count 7 in last 5 months Smiley Tongue 

 

.. so decline should not be a surprise Smiley Happy ..

I should go into hibernation for a year Smiley Tongue

New Contributor

Re: Uber Visa Credit Card Data Points Thread for Approvals


reverse wrote:

AAoA <  3 months Smiley Happy

HP count 7 in last 5 months Smiley Tongue 

 

.. so decline should not be a surprise Smiley Happy ..

I should go into hibernation for a year Smiley Tongue


I'd say its the young portfolio that hurt you most.  I also have a thin portfolio, and am gardening  for the forseeable future.


                                             ~Deep in the Garden~
New Member

Re: Uber Visa Credit Card Data Points Thread for Approvals

I know .. and its super annoying!! 

 

How come your salay can't be considerded into your credit-worthiness. Smiley Sad

Strange and it is like saying no to the business!