topic Re: Apple Card in Credit Card Approvals

Apple Card

sto0pyd — Tue, 06 Aug 2019 23:01:36 GMT

So yeah... have no need for another card, not an Apple fan, but the thought of a cooler looking metal card which will never be used somewhat amused me. I applied and was approved with a whopping $2,500 limit with an APR of 17.99%. This limit matches my lowest limit card, which is the old Platinum PenFed Cash card which earns 5% on gas (limit was by choice since there's no need to have a high limit on a card that is strictly being used for gas). Stats are:

LMFAO, ROFL/24 (I think I'm at 15)
FICO > 715 across the board
**bleep**/ of inquiries in the last 24 months
2% utilization with ~575,000 available

Re: Apple Card

nuohlac — Tue, 06 Aug 2019 23:02:37 GMT

Congratulations on your approval!!! Who did they pull?

Re: Apple Card

Anonymous — Tue, 06 Aug 2019 23:03:57 GMT

@sto0pyd wrote:
So yeah... have no need for another card, not an Apple fan, but the thought of a cooler looking metal card which will never be used somewhat amused me. I applied and was approved with a whopping $2,500 limit with an APR of 17.99%. This limit matches my lowest limit card, which is the old Platinum PenFed Cash card which earns 5% on gas (limit was by choice since there's no need to have a high limit on a card that is strictly being used for gas). Stats are:

LMFAO, ROFL/24 (I think I'm at 15)
FICO > 715 across the board
**bleep**/ of inquiries in the last 24 months
2% utilization with ~575,000 available

Did you get an invite to apply for the card? I’m waiting to see the SL’s on this card before I decide if I want to apply or not.

Re: Apple Card

BallBounces — Tue, 06 Aug 2019 23:07:11 GMT

@sto0pyd wrote:
So yeah... have no need for another card, not an Apple fan, but the thought of a cooler looking metal card which will never be used somewhat amused me. I applied and was approved with a whopping $2,500 limit with an APR of 17.99%. This limit matches my lowest limit card, which is the old Platinum PenFed Cash card which earns 5% on gas (limit was by choice since there's no need to have a high limit on a card that is strictly being used for gas). Stats are:

LMFAO, ROFL/24 (I think I'm at 15)
FICO > 715 across the board
**bleep**/ of inquiries in the last 24 months
2% utilization with ~575,000 available

grats. Questions:

Did they pull TU?

When did you receive the email to apply?

When did you ask to be added to the email notification list?

Have you used Apple Wallet in the past?

Re: Apple Card

Andypanda — Tue, 06 Aug 2019 23:07:50 GMT

Congrats, especially being first person that I know of to post an approval for the new Apple card.

Re: Apple Card

sto0pyd — Tue, 06 Aug 2019 23:11:56 GMT

I did get an invite to apply via email this morning. I'm guessing they pulled Equifax since I didn't get an alert from Wallet (Transunion), Credit Karma (Transunion), or Experian. I do use Apple pay.

Re: Apple Card

M_Smart007 — Tue, 06 Aug 2019 23:20:48 GMT

Congrats!!!

Re: Apple Card

Anonymous — Tue, 06 Aug 2019 23:36:08 GMT

Congrats on the approval!

Re: Apple Card

gdale6 — Tue, 06 Aug 2019 23:57:01 GMT

Well, well, the first post on an approval, congrats

Re: Apple Card

audio-disabled — Wed, 07 Aug 2019 00:25:39 GMT

@BallBounces wrote:
@sto0pyd wrote:
So yeah... have no need for another card, not an Apple fan, but the thought of a cooler looking metal card which will never be used somewhat amused me. I applied and was approved with a whopping $2,500 limit with an APR of 17.99%. This limit matches my lowest limit card, which is the old Platinum PenFed Cash card which earns 5% on gas (limit was by choice since there's no need to have a high limit on a card that is strictly being used for gas). Stats are:

LMFAO, ROFL/24 (I think I'm at 15)
FICO > 715 across the board
**bleep**/ of inquiries in the last 24 months
2% utilization with ~575,000 available
grats. Questions:

Did they pull TU?
When did you receive the email to apply?
When did you ask to be added to the email notification list?
Have you used Apple Wallet in the past?

There is a subreddit on Apple Card, many says Transunion. Anything more than that is still unknown.

People do get a very wide range of SLs. Some with 750s, I think 500 too?

Someone with mid700 scores and 24k income was approved for 4,900 SL.

Looks like they're loose on critera on approving people. Right now it's just by invite, you will get email to apply, then at the end of month, everyone should be able to apply. I'm guessing by invite = soft pull, no hard pulls yet. I might be wrong. I signed up to be notified and I have not been notified or invited yet to apply.

Re: Apple Card

Matt9543 — Wed, 07 Aug 2019 02:41:38 GMT

It's only a hard pull if you accept the offer.

Re: Apple Card

Anonymous — Wed, 07 Aug 2019 05:09:02 GMT

Congrats on your new Apple card!

Re: Apple Card

tbque — Wed, 07 Aug 2019 11:28:00 GMT

Congrats on scoring the new Apple Card!

Re: Apple Card

Anonymous — Wed, 07 Aug 2019 18:20:07 GMT

I received the offer yesterday and applied. I got a SL of $3000. My scores are hovering around 700 with a utilitulization of 29%.

I have not received an alert for a hard pull as of yet.

@tbque wrote:
Congrats on scoring the new Apple Card!

Re: Apple Card

kaw943 — Wed, 07 Aug 2019 19:46:16 GMT

@nuohlac wrote:
Congratulations on your approval!!! Who did they pull?

Hi @nuohlac , not sure who the originals information was pulled from, but I received my email yesterday and I applied was approved for 10k 15.99% . Goldman Sachs pulled TransUnion for me. I hope this helps answer your question.

Re: Apple Card

Anonymous — Wed, 07 Aug 2019 19:53:51 GMT

Already posted this yesterday on the Apple Card thread in the main Credit Cards forum, but:

FICOs all in the 800s, less than 1% util (over $250k in available credit), income around $80k. Starting limit of $8,500 despite most of my cards being in the $10-25k range, 17.99%. Had 2 TU HPs that were about to age to a year, and had I realized I had 30 days to accept the offer, I would have waited for that to happen. No recon... they won't discuss CLIs until the account has been open for 6 months.

They pull TU, and it took 7 hours to get notification of the pull, so if you haven't gotten one yet, you will.

Re: Apple Card

Bonzoled — Wed, 07 Aug 2019 20:48:00 GMT

Got my invite e-mail today. Applied, pretty fast and straightforward process. Scores in the 740s across the board, got a 5K SL.

Phisical card will get here in 5-6 days according to Apple.

Re: Apple Card

kaw943 — Wed, 07 Aug 2019 21:05:41 GMT

@Bonzoled wrote:
Got my invite e-mail today. Applied, pretty fast and straightforward process. Scores in the 740s across the board, got a 5K SL.
Phisical card will get here in 5-6 days according to Apple.

congrats!

Re: Apple Card

CreditInspired — Wed, 07 Aug 2019 21:09:24 GMT

@Bonzoled wrote:
Got my invite e-mail today. Applied, pretty fast and straightforward process. Scores in the 740s across the board, got a 5K SL.
Phisical card will get here in 5-6 days according to Apple.

Congratulations and what was the APR?

Re: Apple Card

Anonymous — Wed, 07 Aug 2019 21:10:06 GMT

Update

I just got my first alert, about 24 hours after applying. They pulled TU