cancel
Showing results for 
Search instead for 
Did you mean: 

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

Regular 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!

In order of use: BofA/ML (Merrill+, Cash Rewards) | AmEx (PRG, Delta Gold) | Discover (IT) | Chase | NFCU | HSBC | Blispay | Alliant CU | NEW! (Barclays Uber)

TU 708, EX 698, EQ 673 (11/02/2017)
10 REPLIES
Valued Contributor

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

Whoa! Congrats!

Any baddies on TU?
FICO8FICO8Visit:
03/1710/17My 11
Rules to
Credit
Rebuilding
550EX
570TU
559EQ
710EX
699TU
734EQ
Regular Contributor

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


ABCD2199 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.

In order of use: BofA/ML (Merrill+, Cash Rewards) | AmEx (PRG, Delta Gold) | Discover (IT) | Chase | NFCU | HSBC | Blispay | Alliant CU | NEW! (Barclays Uber)

TU 708, EX 698, EQ 673 (11/02/2017)
Frequent Contributor

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!!!
FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- Williams Sonoma 2.6k - Boscovs 4k - Amazon 10K- VS(FTW)1k - Fingerhut 800 - Indigo 300
WAY TOO MANY INQ's 6% Uti
NO. MORE. APPS. (Till feb for a 2nd navy card) lol
Frequent 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



FICO 08 (Nov 2017): EX 635 / EQ 635 / TU 666 - Gardening until 05/30/18!
Frequent Contributor

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!

Valued Contributor

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

Congratulations on the recon, good job. Dv


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Super Contributor

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

Congrats on recon, bearcat fan huh Smiley Happy

EX FICO 731 EQ FICO 710 TU FICO 729 ***Total Credit Limits: $1,021,850 Time to divest
Regular Contributor

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


12njoy wrote:

Congrats on recon, bearcat fan huh Smiley Happy


Fan & alum Smiley Happy

In order of use: BofA/ML (Merrill+, Cash Rewards) | AmEx (PRG, Delta Gold) | Discover (IT) | Chase | NFCU | HSBC | Blispay | Alliant CU | NEW! (Barclays Uber)

TU 708, EX 698, EQ 673 (11/02/2017)
Valued Member

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