topic Re: Apple Card underwhelmed in Credit Card Approvals

Apple Card underwhelmed

zerbherb — Thu, 22 Aug 2019 15:46:06 GMT

Why is goldman being conservative with me.

7.5k credit midrange apr of 17.9..

mid 700s across the board

90k income

Re: Apple Card underwhelmed

Anonymous — Thu, 22 Aug 2019 15:48:52 GMT

@zerbherb wrote:
Why is goldman being conservative with me.

7.5k credit midrange apr of 17.9..

mid 700s across the board
90k income

I am not sure. I was felling the same. I was approved for 6.5K with 17.99 APR. Scores are little above 750's across the boards.

Re: Apple Card underwhelmed

zerbherb — Thu, 22 Aug 2019 15:52:20 GMT

glad im not the only one. Yeah my scores are like 775 765 759

Re: Apple Card underwhelmed

Anonymous — Thu, 22 Aug 2019 16:00:29 GMT

@zerbherb wrote:
glad im not the only one. Yeah my scores are like 775 765 759

yeah. Maybe they are being conservative because I believe they want to approve a wider number of audiences. Ideally, all the customers using iPhone 7 and above.

Re: Apple Card underwhelmed

DrZoidberg — Thu, 22 Aug 2019 16:05:58 GMT

After looking through posts about starting CL, APR, and approvals. I think the starting CL has a lot to do with income than score.

Re: Apple Card underwhelmed

Anonymous — Thu, 22 Aug 2019 16:21:06 GMT

Congrats on your approval and very nice card !!!!

Re: Apple Card underwhelmed

RickNATL — Thu, 22 Aug 2019 16:58:06 GMT

I agree that income plays a big part...and maybe the average of card limits on credit file...

I am north of $250K year, with most limits between $20-30K, and across all 3 bureaus I am 750 up each...I was approved by Apple for $20K. Who knows!

Re: Apple Card underwhelmed

Ammer — Fri, 23 Aug 2019 01:09:15 GMT

I got 15K and 12.99% which is actually kind of low for me since my highest CL is 65K and 8 other cards over 15K. The card didn't really make sense for me but I'm an Apple fan boy. What can you do? :-)

Re: Apple Card underwhelmed

AverageJoesCredit — Fri, 23 Aug 2019 01:30:00 GMT

Congrats in line with your other cards

Re: Apple Card underwhelmed

EW800 — Fri, 23 Aug 2019 03:34:21 GMT

I was underwhelmed as well, therefore declined. I was approved for $10K 12.99%, with perfect credit scores, no inquiries on TU and income well north of $120K. While not a bad SL, I just felt it wasn’t worth a HP for what would have been one of my lower limits.

Re: Apple Card underwhelmed

zerbherb — Fri, 23 Aug 2019 15:53:43 GMT

I kept the card for itunes usage thought. Its on my family itunes account which is like 90-120 a month.

Re: Apple Card underwhelmed

Jccflat — Fri, 23 Aug 2019 22:11:30 GMT

Can’t wait to see what their credit increas system will be

Re: Apple Card underwhelmed

Meanmchine — Fri, 23 Aug 2019 23:15:07 GMT

Congrats on your approval.