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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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uPromise Credit card - any info??

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?

 

Thanks,

 

 

Duncan



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 697
Registered: ‎03-16-2012
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Re: uPromise Credit card - any info??

I don't have the card but I think it's through barclay...


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
Posts: 2,512
Registered: ‎11-11-2010
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Re: uPromise Credit card - any info??

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.

 

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: uPromise Credit card - any info??

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.

 

Duncan



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 541
Registered: ‎12-02-2011
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Re: uPromise Credit card - any info??

From what I've read...no instant approvals, you typically get manually reviewed which includes a lot grilling. Very inquiry and high balance sensitive. However, this was before Barclays took over, so maybe the underwriting might have relaxed some.
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: uPromise Credit card - any info??

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 Smiley Happy  )



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Member
Posts: 36
Registered: ‎12-18-2011
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Re: uPromise Credit card - any info??

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. 


Starting Score (January 2013): TU: 704, EQ: 679, EX: 687
Current Score (September 2013): TU: 741. EQ: 703, EX: 712
Goal Score: 730 Across the Board


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