topic Re: When should I app for the Barclays Uber Visa again? in Credit Card Applications

When should I app for the Barclays Uber Visa again?

Anonymous — Thu, 11 Oct 2018 14:38:54 GMT

So, I applied for this card in May, and then again in August, and denied both times, reason being too many new accounts. I reconed three times and was each attempt was unsuccessful.

I was told by one of the Credit Analysts that they consider accounts opened at the last 6 months as “new.” However, some DPs on here contradict this.

I was originally going to apply again on Feb. 1, when I will be at 1/6, but still at a staggering 11/12, due to the spree I did between the months of May and July. But now I am wondering if I should wait even longer than that.

I am trying to pick wisely, as my TU is frozen and I will have to pay a small fee to unfreeze it, and because I am trying to minimize unnecessary HPs. What do you guys think? Is 4 more months of gardening enough, or should I garden longer before I pull the trigger again?

Stats:
TU FICO 8: 761
AAoA: 1 year
Inqs: 9 in the last year
Do derogs

Re: When should I app for the Barclays Uber Visa again?

FinStar — Thu, 11 Oct 2018 14:47:39 GMT

Depending on the number of new accounts and/or inquiries I would wait longer OP. The Uber CC isn't going anywhere, at least not anytime soon.

Remember, they can still cite the reasoning of X number of new accounts in the last 24 months as a potential reason. And, if reconsideration attempts failed, it would likely behoove you to wait longer. Try in about 9-12 months from the last time you were denied. Of course, avoid the urge to apply for anything that can set your goal further out.

Re: When should I app for the Barclays Uber Visa again?

Dg1982 — Thu, 11 Oct 2018 15:32:40 GMT

I may be mistaken so please verify this, but freezing and unfreezing your credit report should now be free. I have the transunion app and I can lift a freeze very easily and it does not cost me a dime. Also, I live in New Jersey and it used to cost like $5 or something so I believe that the new rule applies everywhere.

Re: When should I app for the Barclays Uber Visa again?

Anonymous — Fri, 12 Oct 2018 05:21:19 GMT

11/12 is quite a bit for Barclays. If you do get the Uber sometime, I would be careful opening other accounts immediately after your approval.

Re: When should I app for the Barclays Uber Visa again?

Meanmchine — Sat, 13 Oct 2018 04:35:48 GMT

@Anonymous wrote:
11/12 is quite a bit for Barclays. If you do get the Uber sometime, I would be careful opening other accounts immediately after your approval.

11/12 is quite a bit for any lender

Id look to getting as close to 0/24 as possible before apping again Cards open less then 2 years still count as new accounts, just not recently opened accounts

Stay away from Comenity bank as they will shut all your accounts down due to too many new inquiries / new accounts

Re: When should I app for the Barclays Uber Visa again?

blindambition — Sat, 13 Oct 2018 04:51:43 GMT

I agree that it will be wise to wait 9-12 months. Definitely keep your finger off the trigger for awhile. That card I don’t see going away anytime soon.
As for freezes and unfreezing, free as of a couple weeks ago.

Re: When should I app for the Barclays Uber Visa again?

Anonymous — Sat, 13 Oct 2018 18:29:25 GMT

You guys are probably right. I did overdo it pretty badly in May. Guess I will be gardening until Summer ‘19. Thanks guys.

Re: When should I app for the Barclays Uber Visa again?

kdm31091 — Sun, 14 Oct 2018 00:51:03 GMT

I think it's smart to let things sit for 6, 9 or 12 months before trying again. As stated the card isn't going anywhere. Generally when you hear the "too many new accounts" denial from Barclay, they aren't going to budge, and it will benefit you to wait awhile before trying again. This way you aren't wasting more HPs on the same product for the same response.

I would wait until at least April (6 months) preferably longer.

Re: When should I app for the Barclays Uber Visa again?

Shooting-For-800 — Wed, 17 Oct 2018 22:19:11 GMT

@Anonymous wrote:
So, I applied for this card in May, and then again in August, and denied both times, reason being too many new accounts. I reconed three times and was each attempt was unsuccessful.

I was told by one of the Credit Analysts that they consider accounts opened at the last 6 months as “new.” However, some DPs on here contradict this.

I was originally going to apply again on Feb. 1, when I will be at 1/6, but still at a staggering 11/12, due to the spree I did between the months of May and July. But now I am wondering if I should wait even longer than that.

I am trying to pick wisely, as my TU is frozen and I will have to pay a small fee to unfreeze it, and because I am trying to minimize unnecessary HPs. What do you guys think? Is 4 more months of gardening enough, or should I garden longer before I pull the trigger again?

Stats:
TU FICO 8: 761
AAoA: 1 year
Inqs: 9 in the last year
Do derogs

Why do you want Uber so bad?

They are hard to get and when they do approve it is often a ridiculous low limit.

Is there a specific feature you desire that no other card like Savor offers?

Re: When should I app for the Barclays Uber Visa again?

expatCanuck — Wed, 17 Oct 2018 23:11:14 GMT

I'll offer the following Barclay data points. To get my Ring (12-2014), I had to recon. I had 2 INQs on TU, both for a refi. TU was 786 or so. And my youngest card was 7 years old. My aggregate CL was ~40K.

Fast forward to last week, when I applied for the Uber. 6 INQs (2 refi, 4 CCs), with a TU of 818, and almost a year of good history (metronome-steady paying down a 5K BT to the Ring).

Re: When should I app for the Barclays Uber Visa again?

Anonymous — Fri, 19 Oct 2018 02:43:33 GMT

@Shooting-For-800 wrote:
@Anonymous wrote:
So, I applied for this card in May, and then again in August, and denied both times, reason being too many new accounts. I reconed three times and was each attempt was unsuccessful.

I was told by one of the Credit Analysts that they consider accounts opened at the last 6 months as “new.” However, some DPs on here contradict this.

I was originally going to apply again on Feb. 1, when I will be at 1/6, but still at a staggering 11/12, due to the spree I did between the months of May and July. But now I am wondering if I should wait even longer than that.

I am trying to pick wisely, as my TU is frozen and I will have to pay a small fee to unfreeze it, and because I am trying to minimize unnecessary HPs. What do you guys think? Is 4 more months of gardening enough, or should I garden longer before I pull the trigger again?

Stats:
TU FICO 8: 761
AAoA: 1 year
Inqs: 9 in the last year
Do derogs
Why do you want Uber so bad?
They are hard to get and when they do approve it is often a ridiculous low limit.
Is there a specific feature you desire that no other card like Savor offers?

Well, unlike the Savor, the Uber Visa has no AF. Also, it offers cellphone insurance, a perk not many cards on the market have. That'd save me about $10 a month on my phone bill. IMO, it's definitely an essential.

Re: When should I app for the Barclays Uber Visa again?

Shooting-For-800 — Fri, 19 Oct 2018 02:58:18 GMT

@Anonymous wrote:
@Shooting-For-800 wrote:
@Anonymous wrote:
So, I applied for this card in May, and then again in August, and denied both times, reason being too many new accounts. I reconed three times and was each attempt was unsuccessful.

I was told by one of the Credit Analysts that they consider accounts opened at the last 6 months as “new.” However, some DPs on here contradict this.

I was originally going to apply again on Feb. 1, when I will be at 1/6, but still at a staggering 11/12, due to the spree I did between the months of May and July. But now I am wondering if I should wait even longer than that.

I am trying to pick wisely, as my TU is frozen and I will have to pay a small fee to unfreeze it, and because I am trying to minimize unnecessary HPs. What do you guys think? Is 4 more months of gardening enough, or should I garden longer before I pull the trigger again?

Stats:
TU FICO 8: 761
AAoA: 1 year
Inqs: 9 in the last year
Do derogs
Why do you want Uber so bad?
They are hard to get and when they do approve it is often a ridiculous low limit.
Is there a specific feature you desire that no other card like Savor offers?

Well, unlike the Savor, the Uber Visa has no AF. Also, it offers cellphone insurance, a perk not many cards on the market have. That'd save me about $10 a month on my phone bill. IMO, it's definitely an essential.

Savor has a $500 sub. That goes a long way towards AFs.

SavorOne has no AF.

GL!

Re: When should I app for the Barclays Uber Visa again?

Anonymous — Mon, 01 Apr 2019 21:35:23 GMT

Just curious of your outcome? Did you wait and apply? I just got the Uber Visa with a 670 TU score 4 -5 inq. And probably about 5 new accounts in 2-3 months.

1000 temp limit will know my full sl when card comes.

Re: When should I app for the Barclays Uber Visa again?

Shooting-For-800 — Tue, 02 Apr 2019 00:32:47 GMT

Tough card for sure

Re: When should I app for the Barclays Uber Visa again?

Anonymous — Tue, 02 Apr 2019 00:47:38 GMT

Crazy how a 670 score can get an uber Visa but 770 can get denied. I know there is more to it but still seems crazy.

Re: When should I app for the Barclays Uber Visa again?

SecretAzure — Tue, 02 Apr 2019 02:08:47 GMT

Very crazy. Bayclays is really picky. I wonder if having my Ring unused for 9 months hurts or helps my chances at being approved. Thinking of apping in a few days.

Re: When should I app for the Barclays Uber Visa again?

Anonymous — Tue, 02 Apr 2019 12:08:16 GMT

If you do be sure to post back here and update us.