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Uber CC denial.... but, wait! (RECON)

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cmm89
Frequent Contributor

Uber CC denial.... but, wait! (RECON)

Hi all,

 

I've been relatively MIA on these boards recently, but I've been occasionally lurking. Probably for the best as I went a little crazy there.

 

I applied for the Uber CC this morning, got a "processing, no immediate answer" response and immediately checked the app status site. Declined, so really it was an instant decline. My biggest spend categories are dining/bars, so this card is invaluable at 4% -- can't think of a better product out there.

 

During lunch, I called the recon number (866-205-5973) and spoke to a very nice analyst. I was put on hold several times, and asked a few questions ("why all the inquiries?" "why all the new accounts?" etc.)  I informed him that this would be my biggest spend category and that I do not have any accounts with Barclays (I was very hesitant until I saw this card; bad stories out there). I also told him that I want all of my accounts to age at the same time for a mortgage application in two years or so.

 

He comes back on the line, and fully expecting to hear, "sorry...," instead I head "Sir, fortunately we've been able to get a reversal on the original decision. You've been approved with a starting credit line of $5,000." I nearly jumped for joy. I was a little weary when I hung up the phone because of these aforementioned stories, but immediately after the call I got an Approval email for the card and a Paperless billing email at the same time. I'm truly astounded Barclays approved me, because here are my DP's....

 

TU: 700 (went up to 708 later in the day according to MyFICO)

INQ: 24

New accounts in 6 months: 9

Income: Good for my age; not crazy high, but I live in a cheaper big city (27 y.o.).

Additionally, this is now my 3rd highest CL after my Merrill+ (15K) and my Cash Rewards (7.5K). 

 

My score is not incredibly high, I have a ton of INQs and new accounts, and I have never had a Barclays product.

 

There is hope for everyone!

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!

Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: Uber CC denial.... but, wait! (RECON)

Whoa! Congrats!

Any baddies on TU?
Message 2 of 11
cmm89
Frequent Contributor

Re: Uber CC denial.... but, wait! (RECON)


@Anonymous wrote:
Whoa! Congrats!

Any baddies on TU?

Believe it or not, YES. A SERIOUS DELINQUENCY (180+ days late) from 2014 on student loans, since rehabbed. UTIL hovers between 1-2% as well.

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!

Message 3 of 11
Anonymous
Not applicable

Re: Uber CC denial.... but, wait! (RECON)

You give me hope. Lol. I’ve been contemplating all day if I should apply. I was denied in August by Barclays because of inq’s and new accounts. My whole siggy Started from May of this year.
I do have about 21,000 in recent CLI’s still to report in the next two weeks, so I may wait till then, or may not...lol
This card is perfect for my spend categories and I also uber 5 miles to NYC everyday for Work.
Oh the decisions (and 29inq’s 16new accounts) lol.
Anyways, super congrats on your recon approval!!!
Message 4 of 11
shoegal
Valued Contributor

Re: Uber CC denial.... but, wait! (RECON)

Congrats!! You give us hope Smiley Happy This card is sooooo tempting. It covers all of my spending categories and I also use Uber several times a week.

 

Must stay in the garden!!! lol Smiley Happy


Message 5 of 11
Anonymous
Not applicable

Re: Uber CC denial.... but, wait! (RECON)

I've been waiting to see TU and EX updates today on MyFico. Got EQ last night...

Seems everything is a day or two behind this month. Also waiting for Navy AR. Last month happened on the 29th!

Message 6 of 11
Anonymous
Not applicable

Re: Uber CC denial.... but, wait! (RECON)

Congratulations on the recon, good job. Dv

Message 7 of 11
12njoy
Super Contributor

Re: Uber CC denial.... but, wait! (RECON)

Congrats on recon, bearcat fan huh Smiley Happy

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 8 of 11
cmm89
Frequent Contributor

Re: Uber CC denial.... but, wait! (RECON)


@12njoy wrote:

Congrats on recon, bearcat fan huh Smiley Happy


Fan & alum Smiley Happy

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!

Message 9 of 11
lexus829
Contributor

Re: Uber CC denial.... but, wait! (RECON)

Mine is a different result, same reasons excessive inquries but they cant over turn should I call again? lol

11/2016 - EQ(575)/TU(550)/EX(565) Current - EQ(675)/TU(680)/EX(678) Goal – 700


Message 10 of 11
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