Uber Visa Approval!!!!!

ChiTownGirl1 · ‎10-03-2019

Ok guys, so I had to come out of the garden. Now that Discover's Q3 is over, it killed me to know I'd only get 1% + cash back match at the end of my first year on dining expenses. I look at my spending on Discover's analyzer and realized my husband and I dine out every week! 2% would not do it for me plus we travel once per year (not major but it'll help).

I downloaded the Uber app, applied today and got the standard 7-10 day message. I looked up the phone number on this forum (866-205-5973). Asked the rep if there was anything I needed to do, he asked me to hold so he could transfer me to a consultant but came back on the line and said I've been approved for $7,000!!!!

This is my second biggest starting limit ($12,000 SL with Discover)!!!

Data points:

3 late payments (latest occured in January)

Tons of late payments from student loans (currently deferred)

TU score as of last week: 693 but I recently had BK removed (not sure if it went up)

Edit: card arrived on 10/10 (before AMEX arrived though I was approved on the same day). According to the letter, my TU score was 712 so apparently, my score did go up a bit after the BK was removed.

Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym

PutThatMoneyOnTheTable · ‎10-03-2019

Congrats on your approval.

Amex BCP $35k
Chase FU $11.2k
BOA Cash Rewards $35k
Comenity BJs Perks Plus M/C $14k
Cap1 QS $850
(AU), 2020 TU 801, EX 795, EQ 792
INQ ...TU-0, EX-2 EQ-3

ChiTownGirl1 · ‎10-03-2019

Thank you so much!

Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym

user1054596 · ‎10-03-2019

Congrats!!! i'm a fellow Chicagoan and I'm jealous of your approval because I'm blacklisted by Barclay's and thus was denied by them for the Uber Visa. Enjoy!!!

ChiTownGirl1 · ‎10-03-2019

@user1054596 wrote:
Congrats!!! i'm a fellow Chicagoan and I'm jealous of your approval because I'm blacklisted by Barclay's and thus was denied by them for the Uber Visa. Enjoy!!!

Oh no! So sorry to hear! I've never had Barclay's before. Actually, never even heard of them until this forum lol but I'm blacklisted with Chase (they won't even let me open a checking account) if that makes you feel any better

Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym

randomguy1 · ‎10-03-2019

Congrats. I like this card and hope you do too.

ChiTownGirl1 · ‎10-03-2019

@randomguy1 wrote:
Congrats. I like this card and hope you do too.

Thanks so much! I hate that I was so afraid to apply for it because I literally have been thinking about it for months. I was afraid of being turned down (AMEX and USBank denied me back in July).

Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym

M_Smart007 · ‎10-03-2019

Grats on the Uber Visa

ChiTownGirl1 · ‎10-03-2019

Thank you very much!

Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym

creds · ‎10-03-2019

@ChiTownGirl1 wrote:
Ok guys, so I had to come out of the garden. Now that Discover's Q3 is over, it killed me to know I'd only get 1% + cash back match at the end of my first year on dining expenses. I look at my spending on Discover's analyzer and realized my husband and I dine out every week! 2% would not do it for me plus we travel once per year (not major but it'll help).

I downloaded the Uber app, applied today and got the standard 7-10 day message. I looked up the phone number on this forum (866-205-5973). Asked the rep if there was anything I needed to do, he asked me to hold so he could transfer me to a consultant but came back on the line and said I've been approved for $7,000!!!!

This is my second biggest starting limit ($12,000 SL with Discover)!!!

Data points:

3 late payments (latest occured in January)
Tons of late payments from student loans (currently deferred)
TU score as of last week: 693 but I recently had BK removed (not sure if it went up)

congrats!!! how old is your credit history? do you know what the age of your oldest card is, and your AAoA? how many other cards have you got?

Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!

Re: Uber Visa Approval!!!!!