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Upgrade visa signature Card long list of requirements!

tag
Credit-hoarder
Valued Contributor

Re: Upgrade visa signature Card long list of requirements!

I was approved for mine a month ago and didn't have to provide any of those docs. All they did was verify some things with me over the phone and the whole process from app to approval only took a couple of days. Them wanting those docs must be based on scores and/or overall profiles and income. Also IIRC AOD makes you jump most of those same hoops for their 3% card.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 11 of 23
babygirl1256
Senior Contributor

Re: Upgrade visa signature Card long list of requirements!

Wow, that’s a lot of information that Disco requested . . . my concern is whether recipients will share the gathered information with other business partners. Consider, Equifax's data breach and I read somewhere they were the ones handling the tax documents for Disco . . . I will certainly pass on giving all that information.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 12 of 23
Jnbmom
Credit Mentor

Re: Upgrade visa signature Card long list of requirements!


@coldfusion wrote:

If I were approached with this intrusive a request I wouldn't be able to post the response here verbatim as it would trigger the naughty-word filter.  This is worse than an AMEX financial review.

 

 


I agree I feel the same, this isn't an application process, this is so beyond intrusive for a darn credit card. 

EXP 780 EQ 796 TU 810
Message 13 of 23
babygirl1256
Senior Contributor

Re: Upgrade visa signature Card long list of requirements!

Exactly . . . 

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 14 of 23
babygirl1256
Senior Contributor

Re: Upgrade visa signature Card long list of requirements!

@coldfusion Thank you for posting, "intrusive" is the exact word I was thinking of.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 15 of 23
Anonymous
Not applicable

Re: Upgrade visa signature Card long list of requirements!

Lol @coldfusion .  #thatpart.

 


@coldfusion wrote:

If I were approached with this intrusive a request I wouldn't be able to post the response here verbatim as it would trigger the naughty-word filter.  This is worse than an AMEX financial review.

 

 


 

Message 16 of 23
BillCollectorsHateMe
Established Member

Re: Upgrade visa signature Card long list of requirements!

I was just approved for this card about 5 days ago and they did not ask for anywhere near that much information. The interest rate is a little high but so far I love the account. I'm still waiting on my card to arrive in the mail, but I have already taken out a 3K line of credit from their website.

Message 17 of 23
Maker_Bayfield
Valued Member

Re: Upgrade visa signature Card long list of requirements!

I was approved for one and so was my daughter.  They didn't ask me for anything, they asked her for a voided check.  That was it for either of us.

Message 18 of 23
Steveo777
Contributor

Re: Upgrade visa signature Card long list of requirements!

I was floored to have gotten this card so soon after BK7 discharge, let alone that they did not ask me for any supporting docs or even interview me on the phone. Seems like the hard inquiry didn't happen for about a week and a half, right before they shipped the card. I was given a credit line of $10k.

BK7 Discharged 08/2021 Household Income 95k
Scores: Fico9 Equifax 663 | TU 694 | Experian 628 Vantage 3.0 TU 737 | EQ 726
Cards:
Tri-CU $3k
Capital One Quicksilver One $3K
Mercury Master Card $3.3k
Upgrade Visa $10k
NFCU Visa Platinum $2000
Alphaeon Card $3600
Dell Preferred $4500
WM Mastercard $1000
Credit One AMEX $1000
Kohl's $800
Ollo Mastercard $2000
Target Red Card $1200
Cabela's Mastercard $3k
Message 19 of 23
bachi607
New Contributor

Re: Upgrade visa signature Card long list of requirements!

Thanks much for the information, I decided to not to go with it after this...

DCUSantander-UltimateBECUBECU VISAAmexUS BankPenFedPenFed_GoldSantander-SphereAppleDiscover ItSynchrony
Message 20 of 23
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