UBER Visa with shocking (for me) SL

[Anonymous]

This was already posted in the Uber Data Points thread. My approval was not instant. Received the "ten-day" message. Anxiously kept checking the status and no change. I finally bit the bullet and called the backdoor number. I was told application was still pending and I would need to speak with another department. After being on hold, the same rep said he cleared some things with the other department and I no longer needed to speak with them directly. He then asked me a few questions about income, job title/history, and then about the balance on one of my cards. Asked if it was under a promotional period. I said no, that I didn't catch it in time before the statement cut before paying. (Truth) He commended me on my payment history (lol -- check out the listed baddies) and then approved me with a SL of $7,500 (I am shocked). 

Data Points:

TU Fico 8: 690  

TU inquiry: 12 (4 in last 6 months)

New Accounts: 8 (or 9?) in the past year

UTI: 17%   

Baddies: 120-day late on SLs as recent as April 2017 & a paid charge off from 2016. 

[Anonymous]

Congrats on the approval and fantastic SL!

[Anonymous]

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@Anonymous wrote:

Congrats on the approval and fantastic SL!

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Thank you! I can't wait to start earning those rewards! I eat out SO much. 

[Gokuva]

Congrats on the approval and nice SL!

[xaximus]

Congrats on the recon and great SL!

[Anonymous]

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@xaximus wrote:
Congrats on the recon and great SL!

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Thanks!! I am honestly not sure that I was ever denied. Was that a recon? The rep said that the application was still under review, so I just assumed it meant that a decision hadn't been rendered yet. Who knows. 

[Anonymous]

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@Anonymous wrote:

This was already posted in the Uber Data Points thread. My approval was not instant. Received the "ten-day" message. Anxiously kept checking the status and no change. I finally bit the bullet and called the backdoor number. I was told application was still pending and I would need to speak with another department. After being on hold, the same rep said he cleared some things with the other department and I no longer needed to speak with them directly. He then asked me a few questions about income, job title/history, and then about the balance on one of my cards. Asked if it was under a promotional period. I said no, that I didn't catch it in time before the statement cut before paying. (Truth) He commended me on my payment history (lol -- check out the listed baddies) and then approved me with a SL of $7,500 (I am shocked). 

Data Points:

TU Fico 8: 690  

TU inquiry: 12 (4 in last 6 months)

New Accounts: 8 (or 9?) in the past year

UTI: 17%   

Baddies: 120-day late on SLs as recent as April 2017 & a paid charge off from 2016. 

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You must be an outlier. ¯\_(ツ)_/¯ Congrats, OP!

[Anonymous]

Congrats on approval and nice SL !!!!

[Anonymous]

Haha thanks! Love that meme!

[Anonymous]

@disstreetcoolkid200, for sure. Can’t deny that in spite of all the data points.