Upgrade Credit Card feedback

gingerflower · ‎02-01-2023

Hello FICO Friends hope everyone is doing well. Anyway, I have a question on the Upgrade Cc does anyone give me some feedbacks on this credit card appreciate the info. Thks.

TRC_WA · ‎02-01-2023

It doesn't report as a traditional credit card... it reports as a LOC. You can use it as a credit card or request draws to be transferred to your checking account.

There are much better cards out there... this one has high interest and I have one that doesn't see any use.

FICO8 current as of : 2-11-25 EQ: 734 TU: 717 EX: 713
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 2
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 32% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

gingerflower · ‎02-01-2023

Thank you for the feedback @TRC_WA I got an offer in the mail and was not sure if it was a credit card or Loc. Thks!

Bill77 · ‎02-01-2023

I saw reports where it seems it is difficult to not pay interest on these accounts.

Bill77 · ‎02-01-2023

@gingerflower wrote:

Thank you for the feedback @TRC_WA I got an offer in the mail and was not sure if it was a credit card or Loc. Thks!

Credit Karma has a $400 offer if you open up a new "credit card" and a checking account.

ptatohed · ‎02-01-2023

Between the generous intro bonus, the above average 2.2% cash back, the "EarlyPay", and my 'Excellent' approval odds (for what that's worth), I have had my eye on the upgrade Cash Rewards Elite Visa. AOD 3.0% won't last forever.

They offer a pre-qual too.

https://www.creditkarma.com/creditcard/Upgrade06

[ Signature in dire need of updates. It's on my to-do list.

]

5% CB rotating:

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Everyday 3% CB:

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Everyday 5%:

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Companion Card:

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Everyday 2.2% CB:

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Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo):

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On my radar:

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Still Waiting for an Invite:

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No hope:

CreditCuriosity · ‎02-01-2023

@ptatohed wrote:
Between the generous intro bonus, the above average 2.2% cash back, the "EarlyPay", and my 'Excellent' approval odds (for what that's worth), I have had my eye on the upgrade Cash Rewards Elite Visa. AOD 3.0% won't last forever.

They offer a pre-qual too.

https://www.creditkarma.com/creditcard/Upgrade06

AOD might last forever since they clamped down fairly quickly.. Fingers crossed as approaching 3 years on mine I think

Credit-hoarder · ‎02-01-2023

@CreditCuriosity---Didn't AOD get nerfed back to 2% or something like that?

BUSINESS

Rewards Pts.-Miles: UR-MR-TYP-Venture

CreditCuriosity · ‎02-01-2023

@Credit-hoarder wrote:
@CreditCuriosity---Didn't AOD get nerfed back to 2% or something like that?

Nope not that I know of it is still 3%.. I just lost my card and hit replace today and disconnected my current account so can't pull up last statement, but was still 3% last I knew or heard just not available to applicants for quite awhile now..

gingerflower · ‎02-01-2023

@Bill77

Thank you for feedback and info appreciate it.