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I was interested in trying for the Uber Visa card because of the cash back on eating out but I heard they are picky about who they approve. The UA upgrade spreadsheet I've put together which lists the various upgrade successes proves that it's possible to secure GPU upgrades on even the more difficult routes. There may also be a maintenance fee which depends on the type of card and money transfer plan you choose, although some cards waive monthly maintenance fees under certain conditions. If anyone to whom you know is going through to this embarrassing situation then advise him to go by Installment loans. Some lenders might be more flexible than others, some might have bigger late fees but lower interest rates (or vice versa), and some might let you have a bigger principal, while others might have the lower monthly payment.
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