topic Re: Uber by Barclays result in Credit Card Approvals

Uber by Barclays result

dsotm76 — Wed, 24 Jan 2018 00:21:16 GMT

Hi everyone!

So, I figured with my high TU score, I would apply for the Uber Barclays card and end my applying for a little while after getting the BCE Amex and the DC by Citi. I filled everything out and it went to pended for 10 days. I also, at the same time, received a decline email. I was very disheartened since I sought this one for the meals percentage and the TU pull.

But, once again this board has been amazing! I used the backdoor number for the credit analyst at Barclays and did a recon. Steve was very kind, let me know it was because of my short credit history, and asked some really good questions about income, employment, and why I waited until 2015 to start with my credit. I explained to him that I had a bank account with my PayPal debit drawing off of it that gave me 1%, which I thought was pretty good until I went to a credit building seminar that talked about rewards cards and getting the most bang for your buck. He was very nice to overturn the computer's decision. While the $500 SL isn't much, he said to keep on my path and that would grow. I can ask later for increases after showing them how I manage my new card. This is definitely going to be my food card!!

DP - TU = 762 (which Steve confirmed), 37K income, 21% Util reporting at the moment (will drop once new cards report).

I would have never known to recon or had the guts to try without this board. Thank you all so much for everything!! YOU ROCK!!!!

And if anyone has tips with Barclays, please feel free to share. I've never used them before.

Re: Uber by Barclays result

AverageJoesCredit — Wed, 24 Jan 2018 00:22:17 GMT

Congrats on your recon

Tip one, dont get a bunch of cards near this approval. Sir Barclays is a jealous lover who will take back their present if they feel slighted in the least

Re: Uber by Barclays result

dsotm76 — Wed, 24 Jan 2018 00:23:50 GMT

@AverageJoesCredit wrote:
Congrats on your recon

Tip one, dont get a bunch of cards near this approval. Sir Barclays is a jealous lover who will take back their present if they feel slighted in the least

Oh, I'm going to garden for a while, especially until my Auto INQs fall off. That EQ INQ of 13 isn't sitting well with me. I'm content with my three new ones and have it mapped out who gets spent where with what rewards. Thanks for that awesome heads up though.

Re: Uber by Barclays result

fltireguy — Wed, 24 Jan 2018 02:16:19 GMT

@AverageJoesCredit wrote:
Congrats on your recon

Tip one, dont get a bunch of cards near this approval. Sir Barclays is a jealous lover who will take back their present if they feel slighted in the least

+1 to what AJC said

They can be strange, They love my GF that uses them for 0% BT offers and goes to 85% util with them with no ill effects.. time after time.. never really used the card other than for that purpose..... And then there is me, who had them as the jealous lover.. I ran 10-12% util and I got a CLD because they didnt like the fact that I had opened a bunch of new accts... LOL

Re: Uber by Barclays result

Anonymous — Wed, 24 Jan 2018 02:54:45 GMT

Congrats.. Way to utilize that recon feature. Keep it up.

Re: Uber by Barclays result

dsotm76 — Wed, 24 Jan 2018 03:04:37 GMT

@fltireguy wrote:
@AverageJoesCredit wrote:
Congrats on your recon

Tip one, dont get a bunch of cards near this approval. Sir Barclays is a jealous lover who will take back their present if they feel slighted in the least
+1 to what AJC said
They can be strange, They love my GF that uses them for 0% BT offers and goes to 85% util with them with no ill effects.. time after time.. never really used the card other than for that purpose..... And then there is me, who had them as the jealous lover.. I ran 10-12% util and I got a CLD because they didnt like the fact that I had opened a bunch of new accts... LOL

I appreciate the feedback. Fortunately, I opened my AMEX and Citi before them, they just aren't reporting at the moment. I thought about a store card, but went with this because of how much I dine out. (Bachelor life, woohoo!) I don't intend to open any other accounts until some INQ fall off, especially EQ. Hopefully they will enjoy all the card swipe fees they collect from my dining habits. :-)

Re: Uber by Barclays result

dsotm76 — Wed, 24 Jan 2018 03:05:22 GMT

@Anonymous wrote:
Congrats.. Way to utilize that recon feature. Keep it up.

Thanks! Let me tell you, that was STRESSFUL! I hope I don't have to recon anything else for a LONG time, if ever! SHEESH! Steve really was incredibly nice though.

Re: Uber by Barclays result

AverageJoesCredit — Wed, 24 Jan 2018 03:19:28 GMT

Lol, you say Steve and all i can do is picture the monkey from Cloudy With A Chance of Meatballs STEEEEVVVVE!!!

Re: Uber by Barclays result

dsotm76 — Wed, 24 Jan 2018 03:20:56 GMT

@AverageJoesCredit wrote:
Lol, you say Steve and all i can do is picture the monkey from Cloudy With A Chance of Meatballs STEEEEVVVVE!!!

HAHAHAHA!! I keep thinking of the line in Steel Magnolias where all gay men are named Mark, Rick, or Steve. HAHA

Re: Uber by Barclays result

dsotm76 — Thu, 25 Jan 2018 01:45:34 GMT

Wow, was checking my Experian report and I see where Barclays is already reporting the card with the SL. I haven't even received it in the mail yet and just applied yesterday!!

Re: Uber by Barclays result

SunriseEarth — Thu, 25 Jan 2018 23:17:09 GMT

Congrats on a successful recon!

As for CLIs, Barclays usually does HP if you request. However, you may want to call after 6-7 statements to see if you have any offers on your account, as there are sometimes SP CLIs available.

Re: Uber by Barclays result

dsotm76 — Fri, 26 Jan 2018 05:11:28 GMT

@SunriseEarth wrote:
Congrats on a successful recon!

As for CLIs, Barclays usually does HP if you request. However, you may want to call after 6-7 statements to see if you have any offers on your account, as there are sometimes SP CLIs available.

Yeah, he told me it's usually an HP. You mentioned offers on my account, can you elaborate? And would I call the same number for the credit analyst or the one on my card? Thanks!!

Re: Uber by Barclays result

SunriseEarth — Fri, 26 Jan 2018 09:43:48 GMT

@dsotm76 wrote:
@SunriseEarth wrote:
Congrats on a successful recon!

As for CLIs, Barclays usually does HP if you request. However, you may want to call after 6-7 statements to see if you have any offers on your account, as there are sometimes SP CLIs available.

Yeah, he told me it's usually an HP. You mentioned offers on my account, can you elaborate? And would I call the same number for the credit analyst or the one on my card? Thanks!!

What most people typically do is to call the regular CS line and ask if they have any offers to lower their APR. If the CSR sees something, they'll transfer you to a credit analyst. Once you get them, you can ask if you have any other offers on your account. If you have an SP CLI available, they'll advise you.

Re: Uber by Barclays result

Anonymous — Fri, 26 Jan 2018 11:21:07 GMT

Yup, Barclaycard is probably the quickest to report new accounts followed by Synchrony.

Congrats!

Re: Uber by Barclays result

dsotm76 — Sat, 27 Jan 2018 00:49:11 GMT

wrote:
@dsotm76 wrote:
@SunriseEarth wrote:
Congrats on a successful recon!

As for CLIs, Barclays usually does HP if you request. However, you may want to call after 6-7 statements to see if you have any offers on your account, as there are sometimes SP CLIs available.

Yeah, he told me it's usually an HP. You mentioned offers on my account, can you elaborate? And would I call the same number for the credit analyst or the one on my card? Thanks!!
What most people typically do is to call the regular CS line and ask if they have any offers to lower their APR. If the CSR sees something, they'll transfer you to a credit analyst. Once you get them, you can ask if you have any other offers on your account. If you have an SP CLI available, they'll advise you.

That's awesome information. Thank you so much for enlightening me! I will make a note to do this around September or so. :-) It's only my "food" card, but would be nice to have more wiggle room.

Re: Uber by Barclays result

Anonymous — Tue, 08 May 2018 19:10:54 GMT

Is there anyway to PC to this from Sallie Mae (Which Is no longer useful to me....)

Re: Uber by Barclays result

FinStar — Wed, 09 May 2018 00:38:00 GMT

@Anonymous wrote:
Is there anyway to PC to this from Sallie Mae (Which Is no longer useful to me....)

IIRC, that's not currently an option. I believe they could PC to the Rewards version but not UBER. You can call them if anything, but Barclay's isn't really known for PCs, upgrades/downgrades to the same product or family of cards, yes.

Re: Uber by Barclays result

dsotm76 — Sat, 08 Sep 2018 16:59:19 GMT

@SunriseEarth
What most people typically do is to call the regular CS line and ask if they have any offers to lower their APR. If the CSR sees something, they'll transfer you to a credit analyst. Once you get them, you can ask if you have any other offers on your account. If you have an SP CLI available, they'll advise you.

I followed through on this and they did lower my APR by 1%. Not that it makes a big difference since I PIF each month, but it was nice that I at least had that offer. I inquired about other offers and sadly, no offer to raise my CL from the $500.00 mark. I was given the scripting of that they do review accounts from time to time, but otherwise, it would be a HP and subject credit approval. I didn't go for it. I'll just keep using it for all my food and reaping the wonderful 4% rewards on it. I don't use it for anything else.

Re: Uber by Barclays result

Anonymous — Sat, 08 Sep 2018 17:05:27 GMT

Congrats on your approval !!!

Re: Uber by Barclays result

dsotm76 — Sat, 08 Sep 2018 17:07:52 GMT

Hehehe, well it was a while ago and no SP offer, but I do like saving a percent because at least they like me a little. LOL