topic Re: Apple Card Approval - no hard pull in Credit Card Approvals

Apple Card Approval - no hard pull

myquestionsfico — Wed, 07 Oct 2020 03:56:18 GMT

So, I applied for the Apple Card, but half-way through the application process, it prompted me for my full SSN. I remembered that I had locked my TransUnion credit report, so I immediately unlocked it, entered the full 9 digit SSN, and waited for the application to process. To my surprised, I was approved for a $10K credit line and 15.99% interest (not the best interest, but I was happy with the approval.

As soon as I saw the approval, I immediately re-locked my TransUnion credit report. That was 3 days ago, and no hard pull has been processed against TransUnion. I did get a notification from TU that someone tried to access my report while locked.

I'm hoping this translates into no hard pull at all. Has anyone else seen this??

Re: Apple Card Approval - no hard pull

AllZero — Wed, 07 Oct 2020 03:58:54 GMT

Congratulations on your approval!

Re: Apple Card Approval - no hard pull

Jnbmom — Wed, 07 Oct 2020 03:59:05 GMT

@myquestionsfico wrote:
So, I applied for the Apple Card, but half-way through the application process, it prompted me for my full SSN. I remembered that I had locked my TransUnion credit report, so I immediately unlocked it, entered the full 9 digit SSN, and waited for the application to process. To my surprised, I was approved for a $10K credit line and 15.99% interest (not the best interest, but I was happy with the approval.

As soon as I saw the approval, I immediately re-locked my TransUnion credit report. That was 3 days ago, and no hard pull has been processed against TransUnion. I did get a notification from TU that someone tried to access my report while locked.

I'm hoping this translates into no hard pull at all. Has anyone else seen this??

They will probably contact you and ask you to unlock for final approval.....................................................

Re: Apple Card Approval - no hard pull

wambeezy — Wed, 07 Oct 2020 04:05:09 GMT

Congrats 🍾 on the approval

Re: Apple Card Approval - no hard pull

mrcraft — Wed, 07 Oct 2020 04:07:03 GMT

Congratulations on your approval!!

Re: Apple Card Approval - no hard pull

M_Smart007 — Wed, 07 Oct 2020 04:23:27 GMT

Congratulations on your Apple Approval..

Re: Apple Card Approval - no hard pull

Credit4Growth — Wed, 07 Oct 2020 05:01:12 GMT

👍Congratulations on the Apple Card approval!😃

Re: Apple Card Approval - no hard pull

gdale6 — Wed, 07 Oct 2020 14:24:58 GMT

Pretty good SL out of Goldman, congrats on it

Re: Apple Card Approval - no hard pull

TSlop — Wed, 07 Oct 2020 14:27:06 GMT

Congrats on your approval!

Re: Apple Card Approval - no hard pull

CreditAggie — Wed, 07 Oct 2020 15:51:17 GMT

Congratulations on your Apple Card approval!

Re: Apple Card Approval - no hard pull

myquestionsfico — Wed, 07 Oct 2020 15:52:05 GMT

Thanks all. Three days later, and no hard pull has shown up and I've got the TransUnion app, and keep generating a new report each day. At this point, I'm pretty sure they are not coming back and putting a HP on my record. I don't know how that happened, but I'll take it.

Re: Apple Card Approval - no hard pull

cashorcharge — Wed, 07 Oct 2020 20:06:05 GMT

Congratulations on your approval! Enjoy that new card!

Re: Apple Card Approval - no hard pull

Loquat — Wed, 07 Oct 2020 23:23:14 GMT

Enjoy that new Titanium card when it arrives!

Re: Apple Card Approval - no hard pull

Anonymous — Thu, 08 Oct 2020 01:48:46 GMT

Grats!!!

Re: Apple Card Approval - no hard pull

Meanmchine — Thu, 08 Oct 2020 01:55:47 GMT

Congrats !!

Re: Apple Card Approval - no hard pull

MrT_521 — Thu, 08 Oct 2020 08:52:04 GMT

@myquestionsfico wrote:
Thanks all. Three days later, and no hard pull has shown up and I've got the TransUnion app, and keep generating a new report each day. At this point, I'm pretty sure they are not coming back and putting a HP on my record. I don't know how that happened, but I'll take it.

Congratulations on your approval!

Apple Card does things differently. They give you approval (or denial) from a soft pull. After the approval, you need to accept it. That is when you get the hard pull. Have you accepted the offer? I didn't see anywhere in this thread where you mentioned that, so I'm curious. Maybe the process is not yet complete.

By the way, the Apple Card, meaning the card itself, is by far the coolest credit card I have. It gives an impressive "clank" when dropped on a hard surface.

Re: Apple Card Approval - no hard pull

myquestionsfico — Thu, 08 Oct 2020 11:57:33 GMT

Great question! I did accept it, 4 days ago. The card is actually on the way to me and the credit line is open and available for use.

So I'm thinking that I got away with just a soft pull this time.

Re: Apple Card Approval - no hard pull

REgnlor — Fri, 09 Oct 2020 03:55:23 GMT

I had the same thing happen to me in Aug!!! Unlocked TU after I accepted and immediately locked it back thinking it would be an instant pull. Received a later notification that an attempted pull was blocked. Have the card and love it! Got a cli after the first month. Yay us.

Re: Apple Card Approval - no hard pull

myquestionsfico — Fri, 09 Oct 2020 05:06:58 GMT

That's great! Congratulations! Do you mind if I ask a question?

How much spend did you put on it during the first month, and was it a soft pull at that point? How much of an increase did they give you?

Re: Apple Card Approval - no hard pull

CreditBones — Fri, 09 Oct 2020 06:36:28 GMT

@REgnlor wrote:
Have the card and love it! Got a cli after the first month. Yay us.

Congrats to you too for your Apple Card approval!
How did you got a CLI; was it automatic, did you req'd via app or website, did you called in?