Uber Visa Credit Card Data Points Thread for Approvals

[Anonymous]

TU is 715; got the 10 day message and was asked to unfreeze TU.

BAM! 15k approval. This after being denied BofA Chase and Citi for too many inquiries.

Should I go for the ring, too? :::slapping own hand::::

ETA: 7 inq
approx 30% util

[joltdude]

Great job,

but No.. I wouldn't go for the Ring right now....

[Anonymous]

Yeah.

I didn’t.

But I applied for the Chase freedom and US Bank Cash plus with all bureaus frozen. Wonder what will happen? 😉

you think I’m kidding, don’t you...

eta: i spent an hour watching ask sebby this morning and was inspired!

[Anonymous]

TU: 636

AAOA: 6yr7mo

Utilization: 6%

Total credit line: 27k

Instant approval for $2500.

Recon to increase limit to $6000

[joltdude]

What will likely happen with you apping with all reports frozen is you get denied or get told to unlock your reports...

Also... its very likely that US Trust will still pull from ARS/SageStream and be denied....

-J

[MidnightKnight]

Chances for approval? Young profile.

Age: 19

TU FICO 08 score: 755 (06/08/18)

No baddies

Utilization: 1%

Total TU Inquiries: 2 (1 from almost 12 months ago, and another from 6 months ago)

New Accounts in last 6 months: 2 (One is Blispay so it doesn't report on TU)

AAoA: 8 months

AoYA: 6 months

AoOA: 12 months

Total number of Accounts on TU: 1 Joint, 3 Individual, 4 AU

[UncleB]

---

@Anonymous wrote:
Yeah.

I didn’t.

But I applied for the Chase freedom and US Bank Cash plus with all bureaus frozen. Wonder what will happen? 😉

you think I’m kidding, don’t you...

eta: i spent an hour watching ask sebby this morning and was inspired!

---

@Anonymous, with all bureaus frozen you should expect a denial.

Also, while it's not clear if you are advocating using this method to drive the issuer to a specific bureau, if you are please be aware that advocating or discussing that on myFICO isn't permitted.

--UB

[Anonymous]

Just applied and was instantly approved, but with a fairly lackluster SL.

SL - $500

3 (4) accounts oppened within the last six months
4 or 5 within the last year
Pulled from TU at 746
Highest limit at $15k on my AMEX BCE
Lowest at $1100 on my BoA Travel Rewards
AAoA 8 months (Longest 1 Yr 5 Mo)

6 cards total (technically 7 as I had just applied and was approved for the Chase Amazon Prime Card about 10 minutes before this one), 5(6) revolving and an AMEX PRG.

Called the recon line to see if I could get the CL raised. The rep asked what I was hoping for and I said around $4k as I frequently travel overseas, and commonly in groups in which I’m in charge of buying airfare, food, transport, lodging, etc.

He asked me some basic questions about my job and income (~$30k) and then after checking he said I had a perfect payment history but was curious as to why I had opened up so many cards in the last year. I responded that I was filling out my credit profile and had selected each of the cards for their various strengths especially in regards to travel and day to day bonuses. Perhaps this was the wrong answer because as soon as I said that he told me that he couldn’t approve my CLI request as I didn’t have enough history. :/

So... approved, but perhaps with the lowest starting limit I’ve seen on any card I’ve app’d for. Hopefully they up my limit soon so I can actually use the card for flights, as I currently can’t even buy myself a ticket overseas with this limit. 😝

As others have said, your miles may definitely vary.

[brandonneur]

Hello Forumites!!  First post here so go easy...

Been wanting this card for the 4/3/2/1 cash back, applied on 7/3 and TU was pulled with following data points:

TU FICO 08 - 689

UTL - 30%

AAoA - 9mo

Oldest Account - 18mo

8/12, 9/24

INQ - 11

Approved for 2k SL, Tier 3 APR, though doesn't bother me because don't typically carry balances.  Will probably call recon for additional CL.

[TheBtide]

TU FICO 08 - 655

UTL - 10%

AAoA - 1.5 years

Oldest Account - 24mo

INQ - 15

I was instantly denied, called the recon line, they asked some questions about a negative on my account. Asked about some balanced that were already PIF, and why I wanted the card. Came back and changed from denied to approved with a $500 CL.... Thinking of calling again for a recon on the limit to be around 2k or so, but not sure if I want to push my luck... I've also been APP heavy for the last 6 months or so with 4 new accounts, going to start gardening again though.