Reply
Valued Contributor
Duncanrr
Posts: 2,825
Registered: ‎06-08-2012

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 688 TU 727 EX 704 CK 696 (FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

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
trumpet-205
Posts: 1,964
Registered: ‎11-11-2010

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 TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash+ (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013) | FNBO/Overstock (02/2014)
Valued Contributor
Duncanrr
Posts: 2,825
Registered: ‎06-08-2012

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 688 TU 727 EX 704 CK 696 (FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
learnin113
Posts: 541
Registered: ‎12-02-2011

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
Duncanrr
Posts: 2,825
Registered: ‎06-08-2012

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 :smileyhappy:  )



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 688 TU 727 EX 704 CK 696 (FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Member
littlelottie
Posts: 36
Registered: ‎12-18-2011

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


Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+