topic Re: Was denied Apple Card with 740 fico. in Credit Card Applications

Was denied Apple Card with 740 fico.

Anonymous — Mon, 09 Mar 2020 14:58:36 GMT

What gives? I have a great or seemingly great score in 740 fico. Experian. I applied for the Apple Card. And was denied for income? How do they know I work or don't? Uh can't they tell I have a good score and work my butt off?

anyway. What should I do dear friends.

Re: Was denied Apple Card with 740 fico.

snickerpedia — Mon, 09 Mar 2020 15:03:23 GMT

when you apply it asks for your income, did you input the wrong amount?

Re: Was denied Apple Card with 740 fico.

donkort — Mon, 09 Mar 2020 15:13:50 GMT

They do ask for your income.

I was approved for only $5,000 at 26.89% interest with a 794 TransUnion FICO 9 score. And my income is $72,000 a year.

At least they didn't do a hard pull on you. I'm not sure if you can call them to "reconsider," like some people do with other cards.

Sorry for the disapproval.

Re: Was denied Apple Card with 740 fico.

Remedios — Mon, 09 Mar 2020 15:18:03 GMT

Sorry about your denial ☹

In your other thread, you stated your income as "null", with some cash on the side, and you stated you're not currently employed, or no steady employment

What did you put on application income wise? Do you know how many Chexsystem inquiries you have, and are there any overdrafts or negative info on Chexsystem? Any negatives on TU?

What's your utilization like on your other cards

Re: Was denied Apple Card with 740 fico.

Anonymous — Mon, 09 Mar 2020 15:51:24 GMT

Yes I did.

Re: Was denied Apple Card with 740 fico.

Anonymous — Mon, 09 Mar 2020 15:52:50 GMT

No negatives. I'd say I make or actually bring in after adding 1200 a month.

Re: Was denied Apple Card with 740 fico.

Anonymous — Mon, 09 Mar 2020 15:53:29 GMT

Would you happen to know the recon number to Apple card? Or is it just the Apple support people.

Re: Was denied Apple Card with 740 fico.

Anonymous — Mon, 09 Mar 2020 15:54:40 GMT

I said null due to an actual paycheck stub from employer. I work doing hauling truck around town. Prettt consistently for years.

Re: Was denied Apple Card with 740 fico.

kerplunk — Mon, 09 Mar 2020 15:59:06 GMT

What is your gross annual income?

What income did you list on the application?

Re: Was denied Apple Card with 740 fico.

Anonymous — Mon, 09 Mar 2020 16:29:26 GMT

1200 a month

Re: Was denied Apple Card with 740 fico.

donkort — Mon, 09 Mar 2020 16:39:10 GMT

Before, or after, taxes?

They want your income BEFORE taxes.

Re: Was denied Apple Card with 740 fico.

FAMUGrad2001 — Mon, 09 Mar 2020 17:20:49 GMT

My hard pull didn't show until the next day.

Re: Was denied Apple Card with 740 fico.

donkort — Mon, 09 Mar 2020 17:27:07 GMT

No hard pull until the offer by Goldman Sachs is accepted.

Re: Was denied Apple Card with 740 fico.

Anonymous — Mon, 09 Mar 2020 17:48:30 GMT

1500 or so

before taxes a month.

Is there a RECON number to Apple Card?

Anonymous — Mon, 09 Mar 2020 17:58:14 GMT

Title says it all. Was denied. Need to explain income. Thanks.

Re: Is there a RECON number to Apple Card?

Anonymous — Mon, 09 Mar 2020 18:06:17 GMT

No there is no recon. Wait 30 days and try again.

Re: Is there a RECON number to Apple Card?

Remedios — Mon, 09 Mar 2020 18:20:10 GMT

@Anonymous I've merged your other thread asking for recon phone number.

Please avoid cross posting with identical topics, it's easier for our members to help you if all pertinent info is consolidated in one thread.

Thank you

Re: Is there a RECON number to Apple Card?

donkort — Mon, 09 Mar 2020 19:01:01 GMT

Your income was definitely a factor, to be honest.

It's really a tribute to you that you've kept your credit score so high with such an income. That means you're very thrifty with your money.

I make quite a bit more than you----but I can't budget as well as you can. I had almost maxed out credit cards for 13 years.

I'm sorry you didn't get approved for the card.

Re: Is there a RECON number to Apple Card?

Anonymous — Mon, 09 Mar 2020 19:51:21 GMT

Thanks. But I figure I don't need Apple.

Re: Was denied Apple Card with 740 fico.

Anonymous — Mon, 09 Mar 2020 19:52:27 GMT

@Anonymous wrote:
... What should I do dear friends.

Sorry, Heisenberg. It might be too late for you but I know what I would do -- I'd call Saul.