topic Re: Uber or WF Propel? in Credit Card Applications

Uber or WF Propel?

firefox100 — Tue, 04 Dec 2018 07:51:42 GMT

Which is easer to get the Uber card of the wells fargo Amex co branded card have fico score of 798 total cl of 87500 out stand credit of $1500. what do you think can I get both cards.

Re: Uber or WF Propel?

luxlight — Tue, 04 Dec 2018 14:24:35 GMT

It would seem like you have a good shot at either of those cards. You just need to determine which card better matches your spending. Their reward tiers are pretty similar and they also have similar redemption. I know with the Wells Fargo propel, if you combine that with their cash wise credit card, you can get a bonus on your points when you use it for travel. Again, its more important to find a card that matches your spending as you have a pretty good shot at either of those credit cards. And posting a little more datapoints would help as a FICO score alone doesn't tell the whole story to banks or for us to be able to help you.

Re: Uber or WF Propel?

JR_TX — Tue, 04 Dec 2018 18:10:42 GMT

They’re about the same in almost every category. The major difference would be the network they use. Uber is Visa which has a global acceptance advantage over the Propel which uses Amex which has a really low acceptance rate abroad. Uber has a $100 SUB on a $500 spend in 90 days and Propel has 30K points (about $300 value) with $3K spend in 90 days.
Also be mindful about Barclay which issues the Uber Card... They so hate constantly opening new credit card accounts and they will shut you down instantly without warning.
If you’re not planning on using the card overseas then I would suggest the Propel for the sole reason that it’s NOT a Barclays product!

uber or wf american express co branded.

firefox100 — Wed, 05 Dec 2018 00:58:55 GMT

Hi again sorry to post again. Here is my info fico score of 7798 with 12 accounts total cl of 87.5k income of 72k year.

have 3 iq on my report 2 will drop of in next couple of weeks.

dixcover 21.5k, barclay ring master 8k bac 10k walmart 8k jcp 4.7k citi 9.6k

cap 1 4.7k cap 1 bus card 2k merick bank visa 3150 blispay 2k total owe 1.5k oldest cl 20years avg 5.4 years. never been late.

dDo you guys think I could aply for both cards in same day. thanks for any input.

Re: uber or wf american express co branded.

JR_TX — Wed, 05 Dec 2018 03:17:34 GMT

Why not? You’ll most likely be approved for both! Just know that when both report to the CRAs, Barclay might feel jealous that you two-timed on them and just dump you!

which 2 creditcard should I get uber , wf american express or us v pluse cash?

firefox100 — Wed, 05 Dec 2018 15:31:26 GMT

Hi again I am trying to decide to get. I here that Barclay's may shout you down if you get to many cards. I am looking at uber card wf american express from WF and the US visa pluse card. will aply for 2 of the cards on same day.

would like to know what you guys would do. here is my info.

Fico score around 798, total income of 72K year. 12 open accounts with total cl of 89.K. owe 1500 on them.

list of my credit cards. wall mart 8k, tdbank visa cash 14k, discover 21.5k, jcp 4.7k, citi 9.6k master card, bac master card 10k, blispay 2k,

cap one 4.7k, cap one bus card 2k, merick bank 3150 visa. today walmart gave me 2k increase with soft pul. never been late open 3 cards in last years. What should I do go for it and what cards should I get Yes I have ring master card with cl of 8k. thanks again.

Re: which 2 creditcard should I get uber , wf american express or us v pluse cash?

Anonymous — Wed, 05 Dec 2018 15:36:27 GMT

Do you need them, you're so close to the 800's. If you're getting them regardless, I would suggest placing the benefits side by side and estimating which is most conducive to your lifestyle or plays with your current cards well.

Uber visa Wf American Express or UX visa cash.

firefox100 — Fri, 07 Dec 2018 16:27:32 GMT

which two card would.you apply for.I am having hard time making my mind.Would like from. Guys you think.(

Re: Uber visa Wf American Express or UX visa cash.

FinStar — Fri, 07 Dec 2018 17:03:06 GMT

What is your ultimate goal for getting any of these CCs OP?

There's lack of concrete information to provide any insight.

Otherwise, I could honestly say go for all of them, but hopefully you have some strategy in mind.

Start with your DPs so folks can assist.

Re: Uber visa Wf American Express or UX visa cash.

firefox100 — Fri, 07 Dec 2018 17:36:12 GMT

@firefox100 wrote:
which two card would.you apply for.I am having hard time making my mind.Would like from. Guys you think.(

Re: Uber visa Wf American Express or UX visa cash.

firefox100 — Fri, 07 Dec 2018 18:15:28 GMT

My FICO is 802 as of today.Y would. Like to get as many cards possible with out getting. Turned down. Have 12 cards with total cl 95k and owe 1500.want to get. Most bang.

Re: Uber visa Wf American Express or UX visa cash.

FinStar — Fri, 07 Dec 2018 19:18:40 GMT

Well, getting turned-down is part of the process in some cases, it's all profile dependent.

Seems like your utilization is fairly low and FICO score is definitely optimal. Just keep in mind that your score may fall off its cradle, but can easily recover with time.

What is your AAoA and AoYA? How many inquiries overall per CRA and how many recent accounts opened in the past 6-12 months?

Re: Uber visa Wf American Express or UX visa cash.

firefox100 — Fri, 07 Dec 2018 22:36:01 GMT

I have 3 inquirys in the last 2 years and have open 2 accounts summer td bank and blispay visa. if I do 2 inquirys for 2 accounts in the same day how much will my fico score go down?

Re: which 2 creditcard should I get uber , wf american express or us v pluse cash?

RonM21 — Fri, 07 Dec 2018 23:05:13 GMT

Op, if there is no particular benefit you are looking for with these choices, I say maybe go for a card that is with a lender you don't have, just to spread it around. It looks like you don't have anything tied to Amex for example. They are a good one to get in with, especially with the scores you have. Assuming you don't have an excessive amount of recent inquiries, to me, you have many options.

Re: which 2 creditcard should I get uber , wf american express or us v pluse cash?

Anonymous — Fri, 07 Dec 2018 23:24:15 GMT

Good thing about Uber card, is it's a Visa card.

Good thing about propel, is you can get 4.5points per dollar if you combine it with wf signature visa (you cannot apply for this with propel at the same time) , it is an Amex card, so little bit less accepted.

Re: Uber visa Wf American Express or UX visa cash.

FinStar — Fri, 07 Dec 2018 23:38:55 GMT

Sounds like you should be good to apply for any of them (or all of them if that's what you want).

As far as the biggest bang, that would really depend on what you want rewards-wise short-term or long-term. There's no way to know for sure what impacts this will have score-wise, but it should be negligible, unless you are applying for a big ticket item in the foreseeable future. Over time, scores will recover.

Explore the benefits of each card, compare them side by side and decide what makes more sense to your spending patterns.

Re: which 2 creditcard should I get uber , wf american express or us v pluse cash?

staticvoidmain — Sat, 08 Dec 2018 05:05:39 GMT

What's a " US visa pluse card"? I am not 100% sure which card you are referring to.

Propel and Uber has a lot of overlaps, so I'd only get one of these and not both. My vote would be for the Propel, because I have the Uber and am very much unhappy with it. If I could rewind time, I'd get the Propel. The propel has a lot more covered, looks better too. Although there is a lot of other better cards out there as well — I am curious, why narrow it down to these?

Re: which 2 creditcard should I get uber , wf american express or us v pluse cash?

Anonymous — Sat, 08 Dec 2018 05:11:38 GMT

Why about Uber that make you unhappy? Just wondering.

Re: which 2 creditcard should I get uber , wf american express or us v pluse cash?

Anonymous — Sat, 08 Dec 2018 05:14:18 GMT

@staticvoidmain wrote:
What's a " US visa pluse card"? I am not 100% sure which card you are referring to.

My guess is USB Cash Plus.

Re: which 2 creditcard should I get uber , wf american express or us v pluse cash?

staticvoidmain — Sat, 08 Dec 2018 05:50:04 GMT

@Anonymous wrote:
Why about Uber that make you unhappy? Just wondering.

Barclays, mostly.

It has been a really rocky start with them. Also, cheap physical card. I mentioned this before, but really cannot get over the fact that my name is overlapping, under the VISA logo. Easiest card to scratch. Lowest limit card. I am over the threshold for Visa Signature, but they'll never upgrade to it (I got "technical" CLI). One of the most uninformed CSRs ever. Not so easy redemption of rewards, comparatively. Even their free "FICO" score has not been updating for two months now. And the worse one? The ongoing fear of getting a surprise CLD, which they seem to do a significantly more than most other banks. Plenty of threads about this issue, really, so I am not alone.