Applying for Uber Card with Previous Negative History with Barclays (Rebuilt Credit)

[Anonymous]

Hello all,

I am interested in applying for an Uber credit card from Barclays. I have a card closed by Barclays during a difficult financial period in 2015 where I missed payments but ended up paying them back for the full amount. I have since rebuilt my credit (714 on Credit Karma) and have cards from Amex, Discover, Capital One and Bank of America. Is it worth even applying for the Uber credit card or would I most likely be denied?

[Anonymous]

Depends more on your TU FICO which Disco and BOA provide monthly... why post your CK score?

I think you have a better chance w/ Uber than their other cards as it's less stringent UW requirements.  

[FinStar]

OP, this might have a trivial outcome. Often times, even if the account was paid, any new applications may be declined due to the prior history or relationship. It would likely depend how it was coded internally (satisfactory vs unsatisfactory).

Of course, the only way to find out is when you pull the trigger.

[Anonymous]

I applied for the card and received a message that they would review my application. I called to recon and explained the situation but was told that it was denied due to my prior relationship with them. There was no hard pull, they didn't even have my credit score available to them, just a denial. I asked them how long the previous history would prevent me from obtaining a card and they were unable to answer. If anyone has any insight into how long the history is held in this regard, I would love your advice!

[kiea]

You have to ask the representative to do a manual review of your report.  He or she will pull your report and approval it over the phone if you qualify.  I'm not sure why you wasn't given the option when you called but it is available.

[FinStar]

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@kiea wrote:

You have to ask the representative to do a manual review of your report.  He or she will pull your report and approval it over the phone if you qualify.  I'm not sure why you wasn't given the option when you called but it is available.

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Not in this instance.  When an application is flagged for a previous negative relationship, the decision cannot be overturned.   A majority of individuals remain on the blacklist for an undetermined period, unfortunately.   And, while there's been some rare success stories, Barclays is simply a lender that isn't as forgiving. 

[kiea]

I don't think that's true. I included Barclays in my bankruptcy I applied shortly after that. When I applied I was denied for prior relationship with no credit pull. I called and representative was able to manually review my report. At that time I had too many inquiries so I was denied.

A few people on this forum have been able to get approved after a denial but I think it's only possible if your report wasn't actually pulled during the first application

[FinStar]

How long ago was this because they have tightened a lot of the UW here recently.

Recent DPs with similar stats as the OP have not yielded approvals despite contacting UW to reconsider their applications.

[Robert0769d]

How did you apply? Through the app? When did the offer show up? I can't find a way to apply

[FinStar]

It appears the online link is no longer available. The option to apply may be accessed through the Uber app.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Tried-to-apply-for-Uber-Visa/td-p/5658393