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I applied for the Uber Visa yesterday morning and my app is still under review. Just checked the website and says the same thing. Would this be a good thing as it's not a denial yet? Should I call? I'm a little hesitant on calling, I don't like being grilled about anything LOL Here are some stats on my TU (what they pulled):
Score 745
11 inq's (2 - past 6 mos, another 2 less than a year, all others are over 1 yr)
12% utilization
AAOA - 2yrs 3mos
100% on time
NO derogatory marks
5 new accts in the past year (1 is my home I closed on in Oct '17)
Decent relationship with them; Hawaiian Airlines card since June 2016 at $6.5k. I previously had the Arrival + from 2013 but closed that and moved CL to Hawaiian Air at the end of 2016 I believe.
Thanks in Advance!
Mod note: I've updated your subject to reflect your approval; feel free to change/edit if you would like. --UB
Thanks. I think I may wait it out, even though it's slightly killing me LOL I really hate talking to a live person to explain my credit accounts.
LOL.
That is understandable. At this point in the game, I really do NOT want to speak with an analyst at any lender....I just dont feel like explaining my 32 MC/Visa cards
(Yes, 32)
FWIW, I was "pending" and when I called the rep straight up told me it was an instant denial. I was kinda stunned and said, "well can I recon that?" She said sure, I heard her typing, she asked why one of my balances was so high, I told here why, and she said, "okay, I'll start you at $2,500."
It seems like their reps are empowered to make some on the spot decisions.
Looks like 56 hours was my wait limit lol I was still way nervous to call so I decided to practice by calling Macy's Amex to recon my SL from 1k to 5k. I was still nervous and I was already approved! LOL But i was successful! So it got me thinking about my Uber app. I decided to call on the way home. I called the recon line and he immediately said he needed to transfer me. I became hopeful it was just a security thing since he was transfering me...I mean, he would be the one I go over my credit report with right? Boom! Answered 3 isanely easy questions and she said "I went ahead and I approved your application, you should be getting your welcome kit in 7-10 days...etc etc" So not hearing the CL, I asked her "Do you know what the CL is by chance?" And she says 9K!!!!
@4theLoveofPoints and @Finstar...you guys were right! Just verificatiton holding it up.
@fltireguy I feel you! I didn't want to have to explain my 27 cc's either. And now this makes 28! I do plan on cutting some cards so it should take me down to 23-24.
Thank you all for your input.