Uber or WF Propel?

[firefox100]

My FICO is 802 as of today.Y would. Like to get as many cards possible with out getting. Turned down. Have 12 cards with total cl 95k and owe 1500.want to get. Most bang.

[FinStar]

Well, getting turned-down is part of the process in some cases, it's all profile dependent.

Seems like your utilization is fairly low and FICO score is definitely optimal. Just keep in mind that your score may fall off its cradle, but can easily recover with time.

What is your AAoA and AoYA? How many inquiries overall per CRA and how many recent accounts opened in the past 6-12 months?

[firefox100]

I have 3 inquirys in the last 2 years and have open 2 accounts summer td bank and blispay visa. if I do 2 inquirys for 2 accounts in the same day how much will my fico score go down?

[RonM21]

Op, if there is no particular benefit you are looking for with these choices, I say maybe go for a card that is with a lender you don't have, just to spread it around. It looks like you don't have anything tied to Amex for example. They are a good one to get in with, especially with the scores you have. Assuming you don't have an excessive amount of recent inquiries, to me, you have many options.

[Anonymous]

Good thing about Uber card, is it's a Visa card.

Good thing about propel, is you can get 4.5points per dollar if you combine it with wf signature visa (you cannot apply for this with propel at the same time) , it is an Amex card, so little bit less accepted.

[FinStar]

Sounds like you should be good to apply for any of them (or all of them if that's what you want).

As far as the biggest bang, that would really depend on what you want rewards-wise short-term or long-term. There's no way to know for sure what impacts this will have score-wise, but it should be negligible, unless you are applying for a big ticket item in the foreseeable future. Over time, scores will recover.

Explore the benefits of each card, compare them side by side and decide what makes more sense to your spending patterns.

[staticvoidmain]

What's a " US visa pluse card"? I am not 100% sure which card you are referring to.

Propel and Uber has a lot of overlaps, so I'd only get one of these and not both. My vote would be for the Propel, because I have the Uber and am very much unhappy with it. If I could rewind time, I'd get the Propel. The propel has a lot more covered, looks better too. Although there is a lot of other better cards out there as well — I am curious, why narrow it down to these?

[Anonymous]

Why about Uber that make you unhappy? Just wondering.

[Anonymous]

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@staticvoidmain wrote:

What's a " US visa pluse card"? I am not 100% sure which card you are referring to.

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My guess is USB Cash Plus.

[staticvoidmain]

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@Anonymous wrote:
Why about Uber that make you unhappy? Just wondering.

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Barclays, mostly.

It has been a really rocky start with them. Also, cheap physical card. I mentioned this before, but really cannot get over the fact that my name is overlapping, under the VISA logo. Easiest card to scratch. Lowest limit card. I am over the threshold for Visa Signature, but they'll never upgrade to it (I got "technical" CLI). One of the most uninformed CSRs ever. Not so easy redemption of rewards, comparatively. Even their free "FICO" score has not been updating for two months now. And the worse one? The ongoing fear of getting a surprise CLD, which they seem to do a significantly more than most other banks. Plenty of threads about this issue, really, so I am not alone.