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So I don't really need cards at the moment but was curious after seeing that upgrade signature visa preapproval popping up for $7000. I completed the form and send it all. (No notice of HP at any moment and didn't get any after 4 days).
everything was good and at first no documentation needed but had to be reviewed. An hour later I got an email for requested documentations....
The way that card works (loan payments etc....) I was mostly curious about it but not curious enough to provide all that! I didn't lie on the app and had discover asking for tax return but I don't feel sharing that much info for a "basic" credit card product.
just wanted to share the application process.
Yes, purchases are categorized as loans on reports, which are than subtracted from initial limit. Muuuch better cards out there. I'd deter anyone from Upgrade!
Good grief way too much information requested , me I would pass on that one .
DH was looking at this card after receiving a few emails. I'm sure he'll pass. Thanks for the info!
@Anonymous wrote:So I don't really need cards at the moment but was curious after seeing that upgrade signature visa preapproval popping up for $7000. I completed the form and send it all. (No notice of HP at any moment and didn't get any after 4 days).
everything was good and at first no documentation needed but had to be reviewed. An hour later I got an email for requested documentations....
- 4506-T Upgrade will follow up with you via email on next steps for submitting your 4506T form
- W-2
- Full 2 years tax returns (include relevant schedules, e.g. Schedule K-1, Schedule C, Schedule F, Schedule E)
- Most recent bank statement
- Photo of Yourself (Use Mobile Device)
- Government Issued ID - Back (Use Mobile Device)
- Government Issued ID - Front (Use Mobile Device)
The way that card works (loan payments etc....) I was mostly curious about it but not curious enough to provide all that! I didn't lie on the app and had discover asking for tax return but I don't feel sharing that much info for a "basic" credit card product.
just wanted to share the application process.
There will also be a follow up box containing a syringe. Follow the blood sample instructions exactly.
@Anonymous LMAO! 😂😂
Yikes. Too much personal info they want.
Whoa. I didn't think twice about signing off on the Discover 4506-T, but all this for a credit card? That's a hard nope right there.
Wow, that's a lot! I'm already prepared to let my Discover go in case I don't feel like submitting a 4506-T whenever they ask for it. Certainly I won't be going anywhere near that Upgrade Visa.
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.