Barclaycard (Apple Financing)

[rameses]

I want to apply for Apple Financing and just wondering if they do any hard-inquiries on credit? If they do a hard inquiry, I may not apply for it and save myself getting hit by few points and hard-inquiry report for 2 years.

[myjourney]

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@rameses wrote:

I want to apply for Apple Financing and just wondering if they do any hard-inquiries on credit? If they do a hard inquiry, I may not apply for it and save myself getting hit by few points and hard-inquiry report for 2 years.

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Welcome to the forum 

Yes HP

[kimmiller112]

Yes, it's a hard pull.

[09Lexie]

Welcome to the forum!

HP AFAIK, it's thru Barclays.

[rameses]

Thank you all for your responses! I'll not be applying, saving myself some points

[kilj0y]

IMHO, instead of applying for the barclays card just apply for any 0% intro APR card as you can use it on more than just Apple products. I thought about doing the same myself.

[mauwow0682]

+1 apple card is only good when they offer 0% offers. Other than that it's a meh..card. Find a better card with an intro promo.

[Zahnrosen]

Well, there's a little mis-information in this thread and since I have the card, I thought I'd post and see if I can help.

1) It's a Visa card offered from Apple through Barclay's. You can use it to purchase anything, anytime, anywhere that accepts Visa.

2) The 0% apr is offered when you're going through checkout, at least, that's when I saw it. I've spoken to Barclay's a few times about it and they've volunteered it's a limited time offer but anytime I'm planning a large Apple purchase to call and they'll usually grant it. So, next time you want a new MacBook just call and ask, they'll usually do it.

3) This is a great card. When I got it my credit was high 500's and they extended me a $1200 credit line. I used it responsibly and in 18 months I've had 2 auto-cli's and my credit line is now $3900 with them. Thanks to this, a few days ago I go my first American Express card.

I wouldn't be afraid of the temporary loss of a few points on your Fico score. If you think it's a card you'll have some use for, do it. A couple of points here or there isn't going to change your life.

[gstq34]

Yes HP transunion.  They don't use so much the Fico but more body of report if you call backdoor.  0% offers on Apple stuff PLUS got BT checks in mail for 14 months at 0%.  Called for CLI so I could use BT checks, doubled CL.  Worth a HP IMO

[Zahnrosen]

Oh ya, they give me those balance transfer checks all the time. It's a great added benefit.