02-22-2011 12:52 PM
I was thinking of financing a macbook and was just wondering about the credit requirments.
02-22-2011 03:36 PM
02-22-2011 03:38 PM
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!
02-22-2011 03:39 PM
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...
02-23-2011 11:29 AM
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.
02-23-2011 12:23 PM - edited 02-23-2011 12:24 PM
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.
02-23-2011 01:32 PM
What constitutes too many inquiries though? I have 9
They are however not friendly with Inq. or very much debt
02-23-2011 01:50 PM
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.
02-23-2011 03:00 PM
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?
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