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Uber VISA Card - Approved, but.....

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Uber VISA Card - Approved, but.....

How am I only getting $500 CL? My Discover It has $6.7k and Chase freedom Unltd 6.7k as well. Anyone experiencing the same thing? Thinking about requesting an increase but its been 4 months since getting the card now.

 

TU - 717

EQ - 718

Avg Age - 1.4 Yrs,

 

Not to sound entitled, but I think at least 2k would've been acceptable. Haven't tried contacting them though bc I dont want them to open my report again. Not to mention im earning almost 6 figures a year before taxes and debt free.

9 REPLIES 9
Community Leader
Senior Contributor

Re: Uber VISA Card - Approved, but.....

Approvals and SLs depend on a lot more than just scores. As for scores, since you’re quoting EQ and TU, am I right in assuming that’s from Credit Karma, Credit Sesame, or some other such monitoring service? If so, those are vantagescores, not FICOs, and are meaningless in the decisions of the lender. You need your real FICO scores to know where you stand, and the difference between the two scoring models can be vast.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 2 of 10
Frequent Contributor

Re: Uber VISA Card - Approved, but.....

@gatot_kaca -

 

The best way to "ask" for a CLI for your Uber Visa

is to use your other higher limit cards and sock drawer

the Uber Visa. They'll get the message. On a monthly

basis, they'll be monitoring all of your credit card usage.

So when you put a $5 Starbucks charge on the Uber Visa

and pay it off right away while pumping 100's of dollars

thru your other cards, don't be surprised if an unexpected

CLI shows up in your Uber Visa account. Let your money

do the talking. That's the only language banks understand. Smiley Very Happy

 

Message 3 of 10
Community Leader
Mega Contributor

Re: Uber VISA Card - Approved, but.....

Easy, it BarclaysSmiley Wink. One thing we cant do is compare credit cards with limits given by others. Every card has different underwriting and risk factors. Its great to have 6 figure income but that doesnt mean you get high limits off the bat. A great majority visiting myFico seem to have high income yet many have found credit trouble and have to work their way up to high limits. It will come just needs time.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 10
Established Contributor

Re: Uber VISA Card - Approved, but.....

I've often wondered how they decide how much to start you out with, I have had starting limits of $1000 on one then the next card $8000, I think overall look at it this way, they gave you something so it's all good.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 5 of 10
Senior Contributor

Re: Uber VISA Card - Approved, but.....

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 6 of 10
Valued Contributor

Re: Uber VISA Card - Approved, but.....

Congrats on the approval. The CL is often a combination of multiple things and also the UW - depending how conservative they are. For some lenders, they don't look at or hold alot of weight to what other lenders give. They give what they feel they are comfortable with and that's that. I would use the card as is and see about getting CLI's.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 7 of 10
Senior Contributor

Re: Uber VISA Card - Approved, but.....

Congrats on your approval !!!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 10
Valued Contributor

Re: Uber VISA Card - Approved, but.....

Congratulations_misti NOT MOVE.jpg

Message 9 of 10
Established Contributor

Re: Uber VISA Card - Approved, but.....

You got the "AJC Special."  Don't complain.  You're now part of a select club.  Relish your status.  Rumor has it that there are ALC Special tee-shirts and hoodies for sale in the myFico Gift Shop.

Message 10 of 10
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