How hard is to get Apple financing???

sammyfire2001 · ‎03-12-2008

I was thinking of financing a macbook and was just wondering about the credit requirments.

As of Jan 2009: EX - 659 EQ - 666 TU - 681

As of 2/13/09: EX - 648 (My last EX Fico)

Datx · ‎05-20-2010

Fairly easy after you recon. Just don't go app happy after you get approved like I did. At least not for the first 6 or so months after being approved.

TU: 603 – EQ: 569 – EX: N/A – May 2010

mross1080 · ‎04-21-2010

The bank that handles the apple cards is Barclays. I apped and was approved a few months ago and they pulled TU and my score was around 620 then with a few inq's and 20% util. I recieved a 1200 limit. I dont think they were a tough bank in my opinion. I think some members have different experiences though. Good Luck!

x9j4j · ‎12-26-2010

If you don't mind me asking, how long is your credit history and do you have any baddie on your credit report. A FICO score would also be helpful.

Also I know this is not the right place to discuss this, but if you are thinking of buying a Macbook, you should wait 2 days because Apple is going to refresh their Macbook Pro lineup this Thursday, just an FYI...

Tazman81 · ‎06-23-2010

Anyone have success getting an Apple card from Barclays after Chapter 7 bankruptcy? If so, about how long? Wasn't sure if they are BK friendly or not.

Starting Score: Eq: 662 Tu: 532 (03/02/2011) CH7BK 01/12/2009 Discharge
Current Score: Eq: 692 (04/03/2013) Tu: 717 (04/03/2013)
Goal Score: Eq: 720 Tu: 740
Wallet: Chartway Visa 10k | AMEX Costco TE (AU) 14.1k | Cap One MC 750 | Cap One Visa 750

AtlantaWill30339 · ‎11-24-2010

They are bankruptcy friendly. I actually called them last week curious about they're requirements. The person I spoke to said after discharge they'd like to see a clean history of atleast 6 months of on time payments and a TU of 550+. They are also very lenient with recons.

Good luck!

Starting Score (Ch7 bk 1/11): EQ 431
Current Score: EQ 670 TU 689
Goal Score: 700's across the board

Take the FICO Fitness Challenge

I didn't mess my credit up over night. I'd be a fool to think I could fix it over night.

Creditaddict · ‎10-23-2007

They are however not friendly with Inq. or very much debt

Waiting is so Overrated!

Breakthecycle2 · ‎09-15-2008

Creditaddict wrote:
They are however not friendly with Inq. or very much debt
What constitutes too many inquiries though? I have 9

Starting Score: 454
Current Score: 690
Goal Score: 750

Take the FICO Fitness Challenge

mauve · ‎02-18-2010

Also, if you're a student, they'll have a student Mac + iPod promotion in the summer. And they'll refresh iPods right before that offer expires.

Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 751 TU98 710 TUauto-enhanced 707 EX auto-enhanced 700
Goal Score: 740+ all around

Take the myFICO Fitness Challenge

ifinet · ‎03-17-2010

MyCreditStinks wrote:
Fairly easy after you recon. Just don't go app happy after you get approved like I did. At least not for the first 6 or so months after being approved.

What did they do to you?

Credit Cards

How hard is to get Apple financing???

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