A credit score of 760 contrasted with a high credit card balance of $10,996.87.

The video opens with a woman in a closet, pointing to two screens. One shows a credit score of 760, and the other shows a credit card balance of $10,996.87. She expresses frustration about having good credit but a high APR. She then moves to a bedroom, holding up clothes and discussing how life is expensive. The ad transitions to show her sitting on a bed, explaining how Upstart can help consolidate high-interest debt into a single payment. The video concludes with an end card displaying the Upstart logo and information about their loan services.