Apple Financing (Barclay Card)

Anonymous · ‎10-22-2017

We're considering applying for the husband. His scores are fair after a recent drop due to high usage (our fault because we missed to pay back a bunch before statement day). I don't have FICO scores for him, but CreditKarma says 679 for TU. However, as I mentioned at least for now the util is pretty high (combined 42%). Do you think we still have a shot? I know it would be better to lower the util, first (which we will do, of course), but I'd really like to get him a new iPhone for his birthday and the card doesn't report in time, unfortunatly.

Average age of credit history is only 8 months due to a new CC at the beginning of July.

Two CCs total.

No baddies. Never late. Always in full.

UncleB · ‎10-22-2017

Hi @Anonymous, the thread you posted to was started well over a year ago and it's possible some of the information might be outdated, so I moved your post to a new thread.

--UB

MrDisco99 · ‎10-22-2017

This is probably the easiest card to get in Barclays product line. He's probably OK to apply.

Affinity Cash Rewards VSig $25,000 prime +9.25%

Amex Hilton Surpass $20,000 prime+17.49%

Amex Blue Business Plus $30,000 prime+12.99%

Barclays Wyndham Earner VSig $22,800 prime+11.99%

Cap1 Quicksilver WEMC $10,000 prime+14.74%

Chase Freedom Flex WEMC $10,000 prime+17.49%

Chase Freedom Unlimited VSig $10,000 prime+17.49%

Chase IHG Select WMC $5,000 prime+19.74%

Chase Sapphire Preferred VSig $10,000 prime+12.74%

Citi DoubleCash WEMC $10,000 prime+16.24%

Citi Custom Cash WEMC $11,200 prime+12.74%

Renasant (Elan) Max Cash Preferred VSig $25,000 prime+11.24%

Renasant (Elan) Everyday Rewards+ VSig $4,000 prime+11.24%

Synchrony Verizon VSig $15,000 prime+18.49%

Anonymous · ‎10-23-2017

Thank you!

I will probably try it.

One question I have, though, which I really haven't thought about before. Is the 0% APR period defined by the purchase amount at the moment of purchase or the cumulative amount during those first 30 days? I.e., if I have two <$900 (12mo) purchases within the first 30 days, to I get 18 months because >$1000?

MrDisco99 · ‎10-23-2017

I think it only applies to a single Apple Store purchase.

Anonymous · ‎10-24-2017

But it is additive within one purchase? I.e., if I buy an iPhone (<$1000) and something together I'll be >$1000, I'll get the 18 month as opposed to the 12 mo (for iPhone <$1000)?

mkhan1093 · ‎10-24-2017

It applies to one transaction, not one product. So if you buy the iphone and something else together, then that $1000+ purchase will be financed at 0% APR for 18 months.

MrDisco99 · ‎10-24-2017

Ankaa yes that would be one purchase.

disney2 · ‎10-24-2017

I applied for this one recently and was denied due to too many recent cards. Do I stand a chance if I recon?

Anonymous · ‎10-24-2017

You won't know until you try.