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Uber by Barclays result

dsotm76
Frequent Contributor

Uber by Barclays result

Hi everyone!

 

So, I figured with my high TU score, I would apply for the Uber Barclays card and end my applying for a little while after getting the BCE Amex and the DC by Citi.  I filled everything out and it went to pended for 10 days.  I also, at the same time, received a decline email.  I was very disheartened since I sought this one for the meals percentage and the TU pull.

But, once again this board has been amazing!  I used the backdoor number for the credit analyst at Barclays and did a recon.  Steve was very kind, let me know it was because of my short credit history, and asked some really good questions about income, employment, and why I waited until 2015 to start with my credit.  I explained to him that I had a bank account with my PayPal debit drawing off of it that gave me 1%, which I thought was pretty good until I went to a credit building seminar that talked about rewards cards and getting the most bang for your buck.  He was very nice to overturn the computer's decision.  While the $500 SL isn't much, he said to keep on my path and that would grow.  I can ask later for increases after showing them how I manage my new card.  This is definitely going to be my food card!!

DP - TU = 762 (which Steve confirmed), 37K income, 21% Util reporting at the moment (will drop once new cards report).  

I would have never known to recon or had the guts to try without this board.  Thank you all so much for everything!!  YOU ROCK!!!!

And if anyone has tips with Barclays, please feel free to share.  I've never used them before.

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Apple Card ($6000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Chase Freedom Flex ($5700) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000)

Closed - Capital One Secured ($500) - It is not in my wallet. :-) - Sony/Sync ($2400)

May 2021 EQ 778 - - May 2021 TU 804 - - May 2021 EX 788

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 1 of 20
19 REPLIES 19
AverageJoesCredit
Mega Contributor

Re: Uber by Barclays result

Congrats on your reconSmiley Happy

Tip one, dont get a bunch of cards near this approval. Sir Barclays is a jealous lover who will take back their present if they feel slighted in the leastSmiley Wink
Message 2 of 20
dsotm76
Frequent Contributor

Re: Uber by Barclays result


@AverageJoesCredit wrote:
Congrats on your reconSmiley Happy

Tip one, dont get a bunch of cards near this approval. Sir Barclays is a jealous lover who will take back their present if they feel slighted in the leastSmiley Wink

Oh, I'm going to garden for a while, especially until my Auto INQs fall off.  That EQ INQ of 13 isn't sitting well with me.  I'm content with my three new ones and have it mapped out who gets spent where with what rewards.  Smiley Very Happy  Thanks for that awesome heads up though.  

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Apple Card ($6000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Chase Freedom Flex ($5700) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000)

Closed - Capital One Secured ($500) - It is not in my wallet. :-) - Sony/Sync ($2400)

May 2021 EQ 778 - - May 2021 TU 804 - - May 2021 EX 788

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 3 of 20
fltireguy
Valued Contributor

Re: Uber by Barclays result


@AverageJoesCredit wrote:
Congrats on your reconSmiley Happy

Tip one, dont get a bunch of cards near this approval. Sir Barclays is a jealous lover who will take back their present if they feel slighted in the leastSmiley Wink

+1 to what AJC said

 They can be strange,  They love my GF that uses them for 0% BT offers and goes to 85% util with them with no ill effects.. time after time.. never really used the card other than for that purpose.....   And then there is me, who had them as the jealous lover.. I ran 10-12% util and I got a CLD because they didnt like the fact that I had opened a bunch of new accts... LOL

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 4 of 20
Scott2696
Established Contributor

Re: Uber by Barclays result

Congrats.. Way to utilize that recon feature.  Keep it up. 

 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 5 of 20
dsotm76
Frequent Contributor

Re: Uber by Barclays result


@fltireguy wrote:

@AverageJoesCredit wrote:
Congrats on your reconSmiley Happy

Tip one, dont get a bunch of cards near this approval. Sir Barclays is a jealous lover who will take back their present if they feel slighted in the leastSmiley Wink

+1 to what AJC said

 They can be strange,  They love my GF that uses them for 0% BT offers and goes to 85% util with them with no ill effects.. time after time.. never really used the card other than for that purpose.....   And then there is me, who had them as the jealous lover.. I ran 10-12% util and I got a CLD because they didnt like the fact that I had opened a bunch of new accts... LOL


I appreciate the feedback.  Fortunately, I opened my AMEX and Citi before them, they just aren't reporting at the moment.  I thought about a store card, but went with this because of how much I dine out.  (Bachelor life, woohoo!)  I don't intend to open any other accounts until some INQ fall off, especially EQ.  Hopefully they will enjoy all the card swipe fees they collect from my dining habits.  :-)

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Apple Card ($6000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Chase Freedom Flex ($5700) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000)

Closed - Capital One Secured ($500) - It is not in my wallet. :-) - Sony/Sync ($2400)

May 2021 EQ 778 - - May 2021 TU 804 - - May 2021 EX 788

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 6 of 20
dsotm76
Frequent Contributor

Re: Uber by Barclays result


@Scott2696 wrote:

Congrats.. Way to utilize that recon feature.  Keep it up. 

 


Thanks!  Let me tell you, that was STRESSFUL!  I hope I don't have to recon anything else for a LONG time, if ever!  SHEESH!  Steve really was incredibly nice though.

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Apple Card ($6000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Chase Freedom Flex ($5700) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000)

Closed - Capital One Secured ($500) - It is not in my wallet. :-) - Sony/Sync ($2400)

May 2021 EQ 778 - - May 2021 TU 804 - - May 2021 EX 788

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 7 of 20
AverageJoesCredit
Mega Contributor

Re: Uber by Barclays result

Lol, you say Steve and all i can do is picture the monkey from Cloudy With A Chance of MeatballsSmiley Happy STEEEEVVVVE!!!Smiley Wink
Message 8 of 20
dsotm76
Frequent Contributor

Re: Uber by Barclays result


@AverageJoesCredit wrote:
Lol, you say Steve and all i can do is picture the monkey from Cloudy With A Chance of MeatballsSmiley Happy STEEEEVVVVE!!!Smiley Wink

HAHAHAHA!!  Smiley Very Happy  I keep thinking of the line in Steel Magnolias where all gay men are named Mark, Rick, or Steve.  HAHA

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Apple Card ($6000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Chase Freedom Flex ($5700) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000)

Closed - Capital One Secured ($500) - It is not in my wallet. :-) - Sony/Sync ($2400)

May 2021 EQ 778 - - May 2021 TU 804 - - May 2021 EX 788

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 9 of 20
dsotm76
Frequent Contributor

Re: Uber by Barclays result

Wow, was checking my Experian report and I see where Barclays is already reporting the card with the SL.  I haven't even received it in the mail yet and just applied yesterday!!

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Apple Card ($6000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Chase Freedom Flex ($5700) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000)

Closed - Capital One Secured ($500) - It is not in my wallet. :-) - Sony/Sync ($2400)

May 2021 EQ 778 - - May 2021 TU 804 - - May 2021 EX 788

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 10 of 20
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