topic Re: Apple Card - Approved 20k @ 12.99% - No HP? in Credit Card Approvals

Apple Card - Approved 20k @ 12.99% - No HP?

Anonymous — Sat, 10 Aug 2019 19:18:14 GMT

I applied yesterday for the Apple Card and was offered 20k limit @ 12.99%, which I accepted!

Now for the interesting part... Before one accepts the offer, there's a PDF to review and it shows one's credit score. They pulled Transunion and used FICO 9 (my FICO 9 with TU is 804); however, here we are nearly 24 hours later, and I still haven't received any monitoring alerts that HP was pulled. My scores are still the same and HP still not showing up on my report.

Anyone else experiencing the same?

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Marz2002 — Sat, 10 Aug 2019 19:23:45 GMT

YOU...

HUGE CONGRATS @SketchyScore on your Apple Card approval, the LEGENDARY SL, and Welcome to the FORUMS!!!

Re: Apple Card - Approved 20k @ 12.99% - No HP?

DJRobbieD — Sat, 10 Aug 2019 19:25:38 GMT

@Anonymous wrote:
I applied yesterday for the Apple Card and was offered 20k limit @ 12.99%, which I accepted!

Now for the interesting part... Before one accepts the offer, there's a PDF to review and it shows one's credit score. They pulled Transunion and used FICO 9 (my FICO 9 with TU is 804); however, here we are nearly 24 hours later, and I still haven't received any monitoring alerts that HP was pulled. My scores are still the same and HP still not showing up on my report.

Anyone else experiencing the same?

I first tried applying with my TU report locked, got to the end of the application, received a message that I needed to reapply with the lock/freeze lifted. Immediately unlocked my TU report and reapplied, approved for $15k @ 12.99% and I accepted. I immediately relocked my TU report, then got a credit alert about 3 hours later that Goldman tried a HP that failed. So far, no one from Goldman has come looking for me and my card is active and in use *crosses fingers*

Re: Apple Card - Approved 20k @ 12.99% - No HP?

CreditCuriosity — Sat, 10 Aug 2019 19:24:32 GMT

Did you accept the offer? Offer is SP once you take it, they have been doing a HP shortly there after.

Congrats on nice limit and the best APR

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Anonymous — Sat, 10 Aug 2019 19:31:21 GMT

Thank you, especially for the warm welcome to this supportive community!!

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Anonymous — Sat, 10 Aug 2019 19:35:49 GMT

Congrats on your approval, too!! That's interesting about the lock -- I'm crossing my fingers for you, too (and looking into how to lock my reports going forward).

Re: Apple Card - Approved 20k @ 12.99% - No HP?

DJRobbieD — Sat, 10 Aug 2019 19:40:05 GMT

Thank you! And congrats on your approval as well.

Yes, I’d highly recommend signing up for EQ’s Lock & Alert and TU’s TrueIdentity free credit lock services. Unfortunately, Experian makes you pay for one of their services to get the ability to credit lock.

If you don’t mind sharing, what are your DPs that got you the $20k SL?

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Anonymous — Sat, 10 Aug 2019 19:54:59 GMT

@CreditCuriosity wrote:
Did you accept the offer? Offer is SP once you take it, they have been doing a HP shortly there after.

Congrats on nice limit and the best APR

Thank you, and yes, I accepted the offer right away and have already began using the card with Apple Pay. I did read some other posts where people mentioned 2-3 hours for the HP to show, but I'm just surprised that nearly 24 hours later, nothing is showing up for me. See what happens!

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Anonymous — Sat, 10 Aug 2019 20:04:59 GMT

@DJRobbieD wrote:
Thank you! And congrats on your approval as well.

Yes, I’d highly recommend signing up for EQ’s Lock & Alert and TU’s TrueIdentity free credit lock services. Unfortunately, Experian makes you pay for one of their services to get the ability to credit lock.

If you don’t mind sharing, what are your DPs that got you the $20k SL?

Annual income is 225k, FICO 8 with TU is 796 and FICO 9 is 804. My revolving credit utilization per the latest reports is at 10%. My Equifax and Experience scores are much higher, so I wonder if they were pulled, would that have resulted in a higher limit? The biggest drag on my TU score is avg age of accounts. For some reason, my oldest accounts aren't reported to TU.

Re: Apple Card - Approved 20k @ 12.99% - No HP?

nuohlac — Sat, 10 Aug 2019 20:20:08 GMT

Congratulations on your approval and great SL!!!

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Anonymous — Sat, 10 Aug 2019 20:41:14 GMT

@Anonymous wrote:
@DJRobbieD wrote:
Thank you! And congrats on your approval as well.

Yes, I’d highly recommend signing up for EQ’s Lock & Alert and TU’s TrueIdentity free credit lock services. Unfortunately, Experian makes you pay for one of their services to get the ability to credit lock.

If you don’t mind sharing, what are your DPs that got you the $20k SL?
Annual income is 225k, FICO 8 with TU is 796 and FICO 9 is 804. My revolving credit utilization per the latest reports is at 10%. My Equifax and Experience scores are much higher, so I wonder if they were pulled, would that have resulted in a higher limit? The biggest drag on my TU score is avg age of accounts. For some reason, my oldest accounts aren't reported to TU.

You received the maximum limit they are offering and the lowest APR so pulling your better reports would have made no difference. Congrats!

Re: Apple Card - Approved 20k @ 12.99% - No HP?

CreditInspired — Sat, 10 Aug 2019 21:30:50 GMT

Congratulations on your approval, SL, and low APR. Thanks for sharing DPs.

Re: Apple Card - Approved 20k @ 12.99% - No HP?

CardsLifeLine — Sun, 11 Aug 2019 06:20:27 GMT

I am in same boat. Approved with 10K and 12.99% APR and no hard hit to TU so far. No alert as well. Waiting to see what will happen.

Re: Apple Card - Approved 20k @ 12.99% - No HP?

LittleSal — Sun, 11 Aug 2019 11:57:07 GMT

I was approved for $15k - No HP

Very happy!

Re: Apple Card - Approved 20k @ 12.99% - No HP?

JR_TX — Sun, 11 Aug 2019 13:53:36 GMT

Congrats and Thanks for the DP on that TU F9 being used.

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Hockeypnc1 — Sun, 11 Aug 2019 23:22:20 GMT

the apple card is not out yet-- their website says "coming soon"

Re: Apple Card - Approved 20k @ 12.99% - No HP?

LittleSal — Sun, 11 Aug 2019 23:57:57 GMT

You have to get an invite to apply

Gen pop is coming soon

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Anonymous — Mon, 12 Aug 2019 23:41:46 GMT

Approved no HP, as well...Did you guys ever get your HPs?

Re: Apple Card - Approved 20k @ 12.99% - No HP?

CreditInspired — Tue, 13 Aug 2019 00:05:40 GMT

@Anonymous wrote:
Approved no HP, as well...Did you guys ever get your HPs?

Congratulations on a nice SL and APR.

Re: Apple Card - Approved 20k @ 12.99% - No HP?

LittleSal — Tue, 13 Aug 2019 00:09:22 GMT

No HP for me. I was approved ($15k) on Friday and used the card many times now.

My TU is now locked again. Not sure how they could do HP now.