UBER Approved with recon!

Anonymous · ‎12-20-2017

No instant approval yesterday, showed as denied after a few minutes. Thread: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Uber-Visa-quot-Thanks-for-your-interest-You...

Called recon today who said I was denied due to short history (Fair reason, my oldest account is shy of a year and a half), but after asking a few questions (income confirmation, employment confirmation, how much I pay each month, etc.), I was approved for $2.5k!

The application status site changed as well:

Congratulations! On 12/20/2017 you were approved for the

Uber Visa Card with a Credit Line of $2,500.00
You'll receive your card, pin and card member agreement within the next 10 days.

I did try to ask for a bit more (Specifically that the VS benefits would keep it at the front of my wallet), but that was a no-go.

So far I'm pretty happy with Barclaycard's service overall, now I'm just waiting for the card!

Adkins · ‎12-20-2017

Double congratulations!! 👍👍

Last HP 08-07-2023

Anonymous · ‎12-20-2017

Congrats! Well done

Anonymous · ‎12-20-2017

Side note (Forgot to mention this earlier) I got the max 24.74%. I always PIF so that's all the same to me, but I'd still like to see them come in LOWER. I read they sometimes have an offer to lower it in the future, so that would be nice.

AverageJoesCredit · ‎12-20-2017

Nice going Grasshopper

. For your profile that sounds like a very nice sl. Looks like youll be drinking tea on the way to game

kdm31091 · ‎12-20-2017

@Anonymous wrote:
Side note (Forgot to mention this earlier) I got the max 24.74%. I always PIF so that's all the same to me, but I'd still like to see them come in LOWER. I read they sometimes have an offer to lower it in the future, so that would be nice.

Yes, Barclay's will entertain APR reduction requests.

Cherekas · ‎12-21-2017

Nice recon and good job on not taking no for an answer! The worst they can always say is no.

Score: F8 EQ 609, EX 597, TU 614 (1/17) Current Score: F8 EQ 701, EX 714, TU 689 (12/18)

Goal Score: 700+ across all 3--Gardening until May 2019
USAA Amex-USAA Rate Advantage VS- Amex Gold- Amex Delta Blue- Macys- NYC CC- Victoria's Secret- Cap 1 QS- NFCU CR- Care Credit- Firestone- Sams Club CC- Best Buy Visa- Paypal 2% MC

Total CL $96,300

Ardecko · ‎12-24-2017

Do you know your TU FICO at the time?

2017-09-09 FICO 08: EQ 677, TU 640, EX 705
2020-02-07 FICO 08: TU 789
2020-02-10 FICO 08: EX 752

Gardening, mostly, again until... soon(I need to replace my car)

Anonymous · ‎12-25-2017

@Ardecko wrote:
Do you know your TU FICO at the time?

Somewhere between 750 and 741. The 9 points loss from November to now was due to a BofA CLI and a few extra dollars that reported (but nothing over 1% util). I already got an alert that Barclaycard reported the account, so I'm sure I'll see the AAoA hit on my next update as well. I'm glad they did it now though instead of waiting until the first statement as most issuers do -- that'll help my AAoA in the future.

I'll see if they include it in the letter like BofA; I suspect I have a letter on the way first for the initial denial.

AverageJoesCredit · ‎12-25-2017

Lol, Cherekas, actually the worse they can do is approve you and then close you down 2 weeks later cuz the wind blew to the east