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Uber Visa Approved & Discover CLI!!

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New Contributor

Uber Visa Approved & Discover CLI!!

Hey all,

Just cold apped for an Uber Visa, approved for $500 instantly. Immediately recon'ed over the phone for a new SL of $1500. Asked for $4k but my profile did not support it. I'm pretty happy with the number he came back with, as this will be
used primarily for restaurants when Disco category ends next month.

A little more good news: Recieved a $1500 CLI on my Discover IT card at or around the 90 day Mark to bring it to $5k last week. This card has been my daily driver recently, as I eat out 1-2x a day on average.

Credit build is coming along very nicely! I'm really stoked right now. Going to hit the garden for a bit now.

Data Points:

673 TU FICO 8
AAoA: 7 months
AoOA: 1 year, 2 months
AoYA: 3 months (3 accounts opened in May)
1 paid chargeoff from 8/2016
PayPal 2% MC $10k | Discover IT $13k | WF PLOC $10k
WF Propel $8000 | WF Cash Wise $1500 | Uber Visa $1500
Amex Business Prime $8400 | Amex ED $4800 | Amex Gold
Capital One QS $600

FICO 8 Scores (10/3/19): 708 TU, 784 EQ, 710 EX
11 REPLIES 11
Established Contributor

Re: Uber Visa Approved & Discover CLI!!

Congrats!!..... Getting in with Barclays feels gooooood Smiley Happy.... Discover is solid as well..
Gardening....
Message 2 of 12
Valued Contributor

Re: Uber Visa Approved & Discover CLI!!

Congrats on the approval with a winning recon result!



Message 3 of 12
Valued Contributor

Re: Uber Visa Approved & Discover CLI!!

Great job on the recon, Floyd! Got any specifics on how you argued your case? 

And Congrats! on this nice approval & your Disco CLI. Thanks for sharing the DPs. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 4 of 12
Valued Contributor

Re: Uber Visa Approved & Discover CLI!!

Congrats!  Hats off.gif

 

Way to go!! 




Message 5 of 12
New Contributor

Re: Uber Visa Approved & Discover CLI!!

Thanks, everyone! I owe it to the community here for all that I've learned.

@James_A - My stated argument for the increase was the ability to book international airfare on this card.

When asked about my three new accounts in May, I mentioned having the need for no-FTF cards (Amex, Discover) and the ability to pay for my expenses with checks (WF PLOC). The rep then commended me on my payment history, placed me a brief hold and came back with the counter offer. He seemed aplogetic about their counter offer not being as high as my asking number, and informed me that this card will grow with time and responsible usage.
PayPal 2% MC $10k | Discover IT $13k | WF PLOC $10k
WF Propel $8000 | WF Cash Wise $1500 | Uber Visa $1500
Amex Business Prime $8400 | Amex ED $4800 | Amex Gold
Capital One QS $600

FICO 8 Scores (10/3/19): 708 TU, 784 EQ, 710 EX
Message 6 of 12
Frequent Contributor

Re: Uber Visa Approved & Discover CLI!!

Congrats!!

tenor.gif


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 7 of 12
Valued Contributor

Re: Uber Visa Approved & Discover CLI!!

Congrats on the approval and CLI! I would call Disco and double-dip. Disco is known to leave money on the table.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 8 of 12
Senior Contributor

Re: Uber Visa Approved & Discover CLI!!

COngrats on your approval and nice CLI !!!!

 

 

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 9 of 12
Senior Contributor

Re: Uber Visa Approved & Discover CLI!!

Congratulations on your approval!

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

Current Scores



Message 10 of 12
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