Credit Card Center Advertiser Disclosure†
08-13-2012 11:59 AM
Whogavemecredit.com is down right now so I can check. What is the deal with Sallie Mae's uPromise Credit card? Does barclay underwrite this card? If not, then who? If Barclay then I assume they pull TU???
Anyone know the credit scores that are typically getting approved for this card?
08-13-2012 12:03 PM
I don't have the card but I think it's through barclay...
08-13-2012 12:26 PM
It is backed by Barclays, however the card is pretty bad and should be avoided. Customer service on this card is very bad. Reward structure is also riddled with many restrictions.
08-13-2012 12:37 PM
Maybe the reviews Ive read have been for it assoicated with another bank. The online reviews have been largely favorable. As the card is Barclay and pulls TU, I was interested in this as I'm currently trying to figure out which TU card to app for.
Appreciate your input. If anyone has another experience with this card (in particular with Barclay's version of it) please let me know.
08-13-2012 01:06 PM
08-13-2012 02:09 PM
I may add it to my list of cards to app for. Its either this or Walmart card. I only have 2 inquiries on TU and only one high balance (my student loan )
08-13-2012 07:41 PM
I just recently app'd and was instantly approved (1600 CL) for this card about a week and a half ago. They pulled TU for me and my TU Fico is 712, and I also have quite a few inquires on TU. I haven't used it yet but I got it because I've had a Upromise account for about a year and the bonus %5 cashback on top of the cashback through the site is pretty good since I shop though there already. And if you get a Sallie Mae High Yield Savings account, link it to your Upromise account, and do a direct deposit of $25 a month to it, they will do a yearly 10% match of your earnings. With all that combined, I think it's not a bad card to have.
The other rewards are decent. 4% at certain Upromise affiliated restaurants, 3% on Exxon and Mobil gas stations, 2% on movie theaters, 1% on other purchases.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.