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Garden Life: 4.01.20
Leaving Garden: 1.15.22
Updated: 4.15.20
This thread was very helpful, thank you all! I applied and got the 10-day message presumably because I hadn't applied for a new card in several years. I called the next day and was approved right away after simply verifying ID. $12k SL Visa Signature at the lowest APR of 17.24%. Barclays pulled TU. I have no other Barclays cards.
CreditKarma: 804 TU, 804 EQ
FICO 8: 763 EX, 789 TU
Income: $65k
No debt, no baddies, low utilization, 0 HPs in the past 6 months, 2 HPs in the past 12 months (both were for auto loans that I didn't take).
Update: I can confirm you get 4% when using services like GrubHub, not just UberEats.
Found this thread as I have been wanting to pull the trigger on this card for a while now.
I applied on May 16th and was instantly approved for $4500 with a APR of 17.24%. (I always PIF so the APR doesn't matter to me just thought I would post it for reference). I called to recon the SL as I wanted the Visa Signature version, but was denied because they believe that $4500 is sufficient for my needs (which it is plenty but worth the try). I received the card today May 20th (Only 4 days after I was approved and only 2 business days later) and I did not rush the card. Im super pumped to start using it at restaurants and bars to get that 4% back. Also the $100 signup bonus will be nice as I need to purchase my textbooks for my summer courses with that and my car insurance payment ill easily meet the $500 minimum in 90days.
It only pulled TU.
I also wanted to note that I am a 21YO Student who makes about $15,000 a year.
Here are my data points for TU when I apped:
TU Credit Score: 778
TU Inqs: 3 (2 in the last year)
Payment History: 100% On-time
Utilization: 2% overall, (0 - 6% per card)
Derogatory Marks: 0
Average Age of Credit History WITH AU accounts: 2.8 years
Average Age of Credit History without AU accounts: ~1 Year
Total Accounts Open: 7
Total Account Opened in the last 6 Months: 1
Total Account Opened in the last Year: 3
Accounts Open:
Paypal MasterCard - CL $3,000
Citi Bank AAdvantage Mileup - CL $5,200
Bank Of America Travel Rewards - CL $2,700
Discover It Student Cashback - CL $5,500 (now $7,000)
US Bank Auto Loan - Balance ~$7,200 left of $10,000
AU CC - Chase Freedom - CL $25,900
AU CC - Capital One Quicksilver - CL $20,000
Congrats on the new card. Was it a second HP for the recon CLI?
I can not find the application in the app either. Here is the link to apply from Barclays.
Uber Visa Credit Card Application