topic Re: Rebuild Continues - Apple Card Approval in Credit Card Approvals

Rebuild Continues - Apple Card Approval

Lurker22 — Tue, 02 Jan 2024 20:37:10 GMT

Been trying for the Apple Card every month or so for the past year and they always come back with "too many recent lates" or "can't verify the information" and deny the application

About a week and a half ago I tried again and it asked for my full social so I pulled the application thinking it would be another decline

Yesterday I applied and again it asked for my full social so I decided to try my luck and move forward, received the "we'll let you know" message and expected a decline

A bit later in the day I was going through my email junk folder and noticed an email from Apple Card that was different, requesting additional information - clicked the link and they simply needed me to submit a front/back pick of my ID, instantly approved for $3K (not great but eh, rebuilding)

Today I received an email that they increased the limit to $5500

Re: Rebuild Continues - Apple Card Approval

M_Smart007 — Tue, 02 Jan 2024 20:39:58 GMT

Congratulations on your Approval 🎉

Re: Rebuild Continues - Apple Card Approval

JoeRockhead — Tue, 02 Jan 2024 20:43:49 GMT

Nice, congratulations on your Apple approval, and CLI!

Re: Rebuild Continues - Apple Card Approval

CYBERSAM — Tue, 02 Jan 2024 22:47:26 GMT

Congrats on your 🍏 CLI 👍

Re: Rebuild Continues - Apple Card Approval

elboullee — Wed, 03 Jan 2024 00:54:01 GMT

Congrats.

Curious - what do you think spurred the same-day CLI?

Re: Rebuild Continues - Apple Card Approval

KingRue8500 — Wed, 03 Jan 2024 02:59:07 GMT

Congrats on your Apple Card approval & CLI

Re: Rebuild Continues - Apple Card Approval

nytokyobred79 — Wed, 03 Jan 2024 03:16:06 GMT

Congrats on your rebuild and approval.

Re: Rebuild Continues - Apple Card Approval

cashorcharge — Thu, 04 Jan 2024 01:01:58 GMT

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Rebuild Continues - Apple Card Approval

pc01user — Thu, 04 Jan 2024 01:31:55 GMT

@Lurker22 Woo Hoo! That's awesome news!

Re: Rebuild Continues - Apple Card Approval

youngandcreditwrthy — Thu, 04 Jan 2024 18:28:44 GMT

congrats...

do you know what your score was? any other data points you'd like to share for those considering the card?

@Lurker22

Re: Rebuild Continues - Apple Card Approval

Lurker22 — Thu, 04 Jan 2024 19:50:49 GMT

@youngandcreditwrthy wrote:
congrats...

do you know what your score was? any other data points you'd like to share for those considering the card?

@Lurker22

EQ Fico8 709 (been around +/- here for the past 6 months)

Had a BK 13 discharged 12/28/22

For the past year everytime I had applied for the card I was told I had "too many recent lates"....my most recent late was 2017 so I always found this odd but whatever, as of 1/24 all accounts with lates have fallen off my TU report

During 13 approvals with date/CL

10/21 USB Cash+ Secured

2/22 NFCU nRewards (graduated 8/22 to CashRewards, upgraded to Flagship 2/23) current CL $7K

2/22 USB Alti Go Secured

Post 13 approvals with date/CL

1/23 CO QS $10K CL

1/23 WF Active Cash $3K CL

1/23 Verizon Visa $4K CL Current CL $8K

2/23 Ally Everyday Cash $4500 CL current CL $4800

3/23 Target RedCard $1200 CL

3/23 Amazon Store Card $1700 CL Current CL $6K

8/23 DiscoverIT $13K CL

12/23 CO SavorOne $3K CL

1/24 NFCU CashRewards $8600 CL

Re: Rebuild Continues - Apple Card Approval

SouthJamaica — Thu, 04 Jan 2024 21:02:44 GMT

@Lurker22 wrote:
Been trying for the Apple Card every month or so for the past year and they always come back with "too many recent lates" or "can't verify the information" and deny the application

About a week and a half ago I tried again and it asked for my full social so I pulled the application thinking it would be another decline

Yesterday I applied and again it asked for my full social so I decided to try my luck and move forward, received the "we'll let you know" message and expected a decline

A bit later in the day I was going through my email junk folder and noticed an email from Apple Card that was different, requesting additional information - clicked the link and they simply needed me to submit a front/back pick of my ID, instantly approved for $3K (not great but eh, rebuilding)

Today I received an email that they increased the limit to $5500

Well that is a nice story, persistence paid off Congratulations on the approval, and the CLI.

Re: Rebuild Continues - Apple Card Approval

CreditAggie — Fri, 05 Jan 2024 20:43:00 GMT

Congratulations on your Apple Card approval!

Re: Rebuild Continues - Apple Card Approval

Lurker22 — Fri, 05 Jan 2024 23:26:52 GMT

@elboullee wrote:
Congrats.

Curious - what do you think spurred the same-day CLI?

not a clue....strange but I'll take it

Re: Rebuild Continues - Apple Card Approval

Ontherise2020 — Sat, 06 Jan 2024 01:35:58 GMT

Congrats on your CLI from Apple and your rebuild journey!!!

Re: Rebuild Continues - Apple Card Approval

NoMoreDebt — Sat, 20 Jan 2024 14:23:19 GMT

Congrats on the approval

Re: Rebuild Continues - Apple Card Approval

NoMoreE46 — Mon, 22 Jan 2024 20:10:00 GMT

Congrats on getting that Apple Card. You may want to Garden for 6, 12 months.

@Lurker22 wrote:
EQ Fico8 709 (been around +/- here for the past 6 months)
Had a BK 13 discharged 12/28/22

For the past year everytime I had applied for the card I was told I had "too many recent lates"....my most recent late was 2017 so I always found this odd but whatever, as of 1/24 all accounts with lates have fallen off my TU report

During 13 approvals with date/CL
10/21 USB Cash+ Secured
2/22 NFCU nRewards (graduated 8/22 to CashRewards, upgraded to Flagship 2/23) current CL $7K
2/22 USB Alti Go Secured

Post 13 approvals with date/CL
1/23 CO QS $10K CL
1/23 WF Active Cash $3K CL
1/23 Verizon Visa $4K CL Current CL $8K
2/23 Ally Everyday Cash $4500 CL current CL $4800
3/23 Target RedCard $1200 CL
3/23 Amazon Store Card $1700 CL Current CL $6K
8/23 DiscoverIT $13K CL
12/23 CO SavorOne $3K CL
1/24 NFCU CashRewards $8600 CL

Re: Rebuild Continues - Apple Card Approval

captainsensation — Tue, 23 Jan 2024 16:27:09 GMT

Congrats on your approval