Uber Visa Credit Card Data Points Thread for Approvals

[Anonymous]

Applied and application was pending. Called after 3 days and was approved instantly for $500, no questions asked. I accepted but was not too happy with the $500 CL. I have opened 3 cards in the past 12 months so maybe that's why. I may call again tomorrow to see if they can raise it.

EX Fico 8: 741

Utilization: 1%

Credit history: 20 months

AAoA: 11 months

Newest account: 2 months old

3 TU inquiries in past 24 months

Total CL: $13k ($5k on Citi Thankyou Preferred + $8k on Amex Everyday + no preset limit on Amex PRG)

Update: Called in to ask for a higher credit limit. The guy asked how much I wanted and why. I replied I need $1500 to at least pay for airfare. He then asked me about my income, job and how long I have been at my job. After putting me on hold, he came back and said there is a $800 balance on my Amex PRG and asked if I paid it in full or carried the balance. I said I paid it in full. Then I was approved for $2000. Presumably there was a mix up between how much an increase I wanted and how much total credit limit I wanted, but I don't mind.

[Anonymous]

Approved late June 2018. I initially received the 10-day pending notice after applying online. Spoke to a rep and told me to mail identification docs. A week pass and a day after the docs were received, I got a call from a Barclay rep- asked me more identification qs like income, household expense, and prior residency. Continued evaluation while on the phone and  approved with SL $9000.

TU F8- 744

Oldest account- 9yrs

AAoA- 3.6yrs

Utilization- 7%

[MidnightKnight]

Ended up applying

TU FICO 08 score: 762

Utilization: 1%

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

AAoA: 9 Months

SL (Intant Approval): $7500

APR: Mid tier (22.49%)

[Sema-J]

App'd last night after getting denied for Chase MP Explorer (previous derog relationship from 2010 - yeah, Chase has a long memory)...

DP's:

EX Fico 8: 703

TU Fico: 699

Utilization: 1%

Credit history: 22y 11m

AAoA: 6y 8m

Newest account: 11 months

Total new accounts last 24 months: 4

Total new accounts last 12 months: 1

3 EX inquiries in past 24 months; 1 in past 12; 0 in past 6

8 TU inquiries in past 24 months; 6 in past 12; 1 in past 6

Income: 115,000

Instant approval for $9,000 SL. Mid-tier APR (22.49%) I don't carry a balance, so NBD.

Take that CHASE!! LOL

Edited to add APR.

[Anonymous]

Didn't think I would be approve for this card, but I decided to pull the trigger anyway. It's been a good week with approval of Amex PRG and NFCU Cash Rewards. Instant approval for SL of $2k. 

Data Point:

TU Fico 8: 654   (pulled)

TU inquiry: 1/24, 1/6

UT: 43%   (bunch of charge off with balances 5.5 years old)

Baddies: 3 Collections 2-4 years old

[joltdude]

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@Anonymous wrote:

Didn't think I would be approve for this card, but I decided to pull the trigger anyway. It's been a good week with approval of Amex PRG and NFCU Cash Rewards. Instant approval for SL of $2k. 

Data Point:

TU Fico 8: 654   (pulled)

TU inquiry: 1/24, 1/6

UT: 43%   (bunch of charge off with balance 5.5 years old)

Baddies: 3 Collections 2-4 years old

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Its been so good can you ditch the OpenSky?

[Anonymous]

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@joltdude wrote:

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@Anonymous wrote:

Didn't think I would be approve for this card, but I decided to pull the trigger anyway. It's been a good week with approval of Amex PRG and NFCU Cash Rewards. Instant approval for SL of $2k. 

Data Point:

TU Fico 8: 654   (pulled)

TU inquiry: 1/24, 1/6

UT: 43%   (bunch of charge off with balance 5.5 years old)

Baddies: 3 Collections 2-4 years old

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Its been so good can you ditch the OpenSky?

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Yep, difinitely will get rid of the OpenSky. It has serve its purpose for 2.5 years as my first rebuilder card. 

[arkane]

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@Anonymous wrote:

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@joltdude wrote:

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@Anonymous wrote:

Didn't think I would be approve for this card, but I decided to pull the trigger anyway. It's been a good week with approval of Amex PRG and NFCU Cash Rewards. Instant approval for SL of $2k. 

Data Point:

TU Fico 8: 654   (pulled)

TU inquiry: 1/24, 1/6

UT: 43%   (bunch of charge off with balance 5.5 years old)

Baddies: 3 Collections 2-4 years old

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Its been so good can you ditch the OpenSky?

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Yep, difinitely will get rid of the OpenSky. It has serve its purpose for 2.5 years as my first rebuild card. 

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Congrats! Always glad to hear an OpenSky success story. Way too many horror stories regarding predatory lenders like CreditOne and Last Inferior First Premier on here.

[Anonymous]

I was just approved. It was not instant. Received the "ten-day" message. Anxiously kept checking the status and no change. I finally bit the bullet and called the backdoor number. I was told application was still pending and I would need to speak with another department. After being on hold, the same rep said he cleared some things with the other department and I no longer needed to speak with them directly. He then asked me a few questions about income, job title/history, and then about the balance on one of my cards. Asked if it was under a promotional period. I said no, that I didn't catch it in time before the statement cut before paying. (Truth) He commended me on my payment history (lol -- check out the listed baddies) and then approved me with a SL of $7,500 (I am shocked). 

Data Points:

TU Fico 8: 690  (pulled)

TU inquiry: 12 (4 in last 6 months)

New Accounts: 8 (or 9?) in the past year

UT: 17%   

Baddies: 120-day late on SLs as recent as April 2017 & a paid charge off from 2016. 

[Anonymous]

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@Anonymous wrote:

I was just approved. It was not instant. Received the "ten-day" message. Anxiously kept checking the status and no change. I finally bit the bullet and called the backdoor number. I was told application was still pending and I would need to speak with another department. After being on hold, the same rep said he cleared some things with the other department and I no longer needed to speak with them directly. He then asked me a few questions about income, job title/history, and then about the balance on one of my cards. Asked if it was under a promotional period. I said no, that I didn't catch it in time before the statement cut before paying. (Truth) He commended me on my payment history (lol -- check out the listed baddies) and then approved me with a SL of $7,500 (I am shocked). 

Data Points:

TU Fico 8: 690  (pulled)

TU inquiry: 12 (4 in last 6 months)

New Accounts: 8 (or 9?) in the past year

UT: 17%   

Baddies: 120-day late on SLs as recent as April 2017 & a paid charge off from 2016. 

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Congratz! May I know if you received the Visa Signature variant?