Credit Cards

[brcamacho]

I have a 657 TU score (from here) and was thinking apping for the Apple card.  Ive had 3 inquires this year last one 6 months ago.  Do you think i have a chance at getting approved for this card?

Thanks

[iMacDrew]

why do you want this card? im just curious.

[brcamacho]

Im just crawling out of subprime land and this seems like a "more prime" card.  That and I would like to take advantage of the 0% for 12 months. 

[iMacDrew]

0% interest on initial purchases meaning spent within the first 30 days. there are other better 0% cards out there that you may qualify for. This card just looks cool really. every other purchase is 22.99% apr. its not that great.

[brcamacho]

What would you recommend?

[iMacDrew]

citi simplicity, chase slate. any 0% intro apr. some are easier to get than others.

[LS2982]

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iMacDrew wrote:

citi simplicity, chase slate. any 0% intro apr. some are easier to get than others.

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OP might not be ready for Chase/Citi, and 22.9 APR only stands if you leave balances. PIF and your fine.

[iMacDrew]

maybe idk i just think that this card might be a waste of a HP. Its limited to Apple and only lasts on purchases in the first 30 days. I just assumed OP was planning on purchasing an apple product.

[LS2982]

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iMacDrew wrote:

maybe idk i just think that this card might be a waste of a HP. Its limited to Apple and only lasts on purchases in the first 30 days. I just assumed OP was planning on purchasing an apple product.

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AFAIK this is not true. I've been told by a rep. in the past you can still get the financinbg offer anytime you just need to callin and request it first before purchase.

[iMacDrew]

i was told something different then, i asked through their email messaging system on their site.