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Uber Visa and Paypal Mastercard Approval Odds

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luxlight
Regular Contributor

Uber Visa and Paypal Mastercard Approval Odds

Hello fellow FICOers, what are the odds of me being able to get the Uber Visa card and the Paypal 2% mastercard? My credit scores and current cards are in my signature along with my AAoA. I applied for the Paypal 2% mastercard back in March and was denied for too many inquiries. Only had 4 inquiries when i was denied for it but my AAoA at that time was 6 months and i think it was due to my short credit history that Synchrony denied me. What would be my odds for both of these cards when i let my oldest account reach 1 yr?



FICO 8 Scores

TU: 743 [2 Inquiry] | EQ: 742 (FAKO) [0 Inquiry] | EX: 753 [4 Inquiries]


AAoA = 2 years, AAoOA = 3 year 1 months

Message 1 of 10
9 REPLIES 9
Meanmchine
Super Contributor

Re: Uber Visa and Paypal Mastercard Approval Odds

Wait 6 months.

Good luck

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 2 of 10
Anonymous
Not applicable

Re: Uber Visa and Paypal Mastercard Approval Odds

You may have a good chance for Uber. They are inquiry sensitive and looking at yours, you don’t have a lot. Took me a few tries before I got the Uber card.
I have a score of 760 and 15 inqs when I got approved.
Message 3 of 10
Batsamandrobin
Regular Contributor

Re: Uber Visa and Paypal Mastercard Approval Odds

I'd wait a few more months, but then you should have good approval odds for both. Even with a short history, I'm surprised you were denied for the PayPal 2% MC in March. I applied around the same time with a TU score of ~680 and was approved with a 2k SL. AAoA was around 15 months at the time. With your scores, I think you'll be in line for a nice approval on the PayPal when the time comes. 

 

Message 4 of 10
luxlight
Regular Contributor

Re: Uber Visa and Paypal Mastercard Approval Odds

That's the only explanation that i've thought of. Because at that time, i had low 700s across all the bureau and exactly 6 months AAoA. Also they pulled Experian instead of Transunion in my case and Experian had most of my inquiries on it



FICO 8 Scores

TU: 743 [2 Inquiry] | EQ: 742 (FAKO) [0 Inquiry] | EX: 753 [4 Inquiries]


AAoA = 2 years, AAoOA = 3 year 1 months

Message 5 of 10
BH1985
Regular Contributor

Re: Uber Visa and Paypal Mastercard Approval Odds

Here's a link to a thread I made when I was approved last month.

 

Uber VISA Approval


Good luck!

Message 6 of 10
Anonymous
Not applicable

Re: Uber Visa and Paypal Mastercard Approval Odds

How long did you wait until you called to recon? I applied yesterday and received the dreaded "request pending" email.

Congrats on the approval!
Message 7 of 10
BH1985
Regular Contributor

Re: Uber Visa and Paypal Mastercard Approval Odds

I reconed almost immediately after submitting the application and getting a 7-10 day message.

 

I went to use the restroom and then called the backdoor number. It was around 4:00 PM on a Tuesday.

Message 8 of 10
Anonymous
Not applicable

Re: Uber Visa and Paypal Mastercard Approval Odds

Thanks for responding. I just got off with a rep and they said I was denied because i needed to submit more docs or something. Gave me a PO Box to send copies of DL, SS#, and utils/bank statement.

 


@BH1985 wrote:

I reconed almost immediately after submitting the application and getting a 7-10 day message.

 

I went to use the restroom and then called the backdoor number. It was around 4:00 PM on a Tuesday.


 

Message 9 of 10
BH1985
Regular Contributor

Re: Uber Visa and Paypal Mastercard Approval Odds

That’s an approval most likely. They need to verify your identity, that’s all.
Message 10 of 10
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