topic Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!! in Credit Card Applications

Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Jordan23ww — Sat, 03 Oct 2020 15:34:24 GMT

So for those unfamiliar I have wanted the Apple Card badly since it first was announced in the Spring of 2019! Once it came out I was denied time and time again, 11 times total to be exact! So you can imagine my excitement this morning when I applied at 3 am and got the message "You've been approved"! Someone had told me they felt odds of approval were improved if you buy something at the time of applying. I went on the Apple website and bought an iPad and chose to do the installment plan and applied for the Apple Card. I had planned to pay the card off once the purchase posted.

So the Apple card never showed up in my wallet. After multiple attempts I went to bed. I called Goldman Sachs this morning who then transferred me to Apple. It was discovered that I used the wrong Apple ID when I applied. See I've had an Apple ID since 2004 linked to my iTunes, all my music, movies and apps were linked to it which is why I still use it. When iCloud came out they wouldn't let me use that Apple ID and I had to make a separate Apple ID specifically for iCloud.

The only options I now had were to keep the account open, but doing this I would never be able to add the card to my phone. I'd only get 1% for the life of the card. The other option was to close the account and apply using my icloud email, but I'd have to cancel my iPad order and wait 30 days to reapply. This created some major concern since it already took me 12 attempts to be approved. They couldn't guarantee me that I'd be approved in 30 days either. They said they'd document a lot of notes in case things didn't go well when I reapply and needed to call in. I'm extremely disappointed right now! After 13 months of trying I literally only had the card for 7 hours!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

AllZero — Sat, 03 Oct 2020 15:42:16 GMT

That is unfortunate. Hopefully, you'll be fully approved in 30 days.

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Credit4Growth — Sat, 03 Oct 2020 15:45:37 GMT

Congrats on the Apple Card approval and ... 👏👏👏

Am I supposed to take that back, uhh.

Seriously though, best of luck to you if and when you decide to reapply for the card 🤙

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

blindambition — Sat, 03 Oct 2020 15:55:03 GMT

That's a bummer!!! This scenario, along with a few others, really show some deficiencies in card implementation.

I remember them telling @Anonymous to reapply, because of extra income benefit to him. I'd tell you to pass. The card really hasn't been that special. Good luck to you!!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

UH_HUH — Sat, 03 Oct 2020 16:04:26 GMT

Well I would focus on the positives. They approved you

after 11 denials :-) So congratulations on that part.

Good luck on the other part of the story.

Doesn't look like a quick fix there.

Let us know how it turns out :-)

Cheers

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

M_Smart007 — Sat, 03 Oct 2020 16:15:39 GMT

Congratulations on your Approval..

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Jordan23ww — Sat, 03 Oct 2020 16:19:46 GMT

@AllZero wrote:
That is unfortunate. Hopefully, you'll be fully approved in 30 days.

Thank you! I appreciate it! I really hope so too!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Jordan23ww — Sat, 03 Oct 2020 16:20:33 GMT

@Credit4Growth wrote:

Congrats on the Apple Card approval and ... 👏👏👏

Am I supposed to take that back, uhh.

Seriously though, best of luck to you if and when you decide to reapply for the card 🤙

Thank you! I appreciate it!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Jordan23ww — Sat, 03 Oct 2020 16:25:57 GMT

@blindambition wrote:
That's a bummer!!! This scenario, along with a few others, really show some deficiencies in card implementation.
I remember them telling @Anonymous to reapply, because of extra income benefit to him. I'd tell you to pass. The card really hasn't been that special. Good luck to you!!

Thank you for your feedback! I hear you! This card just makes a lot of sense for me personally since I spend sooooooo much on Apple stuff! I'd be lying if I said the thought hasn't crossed my mind a few times though to just pass on this card, especially with how many times Goldman Sachs has denied me. I'm basically begging them to take my money when they don't deserve it. I just know that I'm leaving money on the table if I pass on this card. I'll likely reapply in November and hopefully they'll approve me again! Only negative change I expect is the hit from today's inquiry!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Jordan23ww — Sat, 03 Oct 2020 16:31:00 GMT

@UH_HUH wrote:
Well I would focus on the positives. They approved you
after 11 denials :-) So congratulations on that part.
Good luck on the other part of the story.
Doesn't look like a quick fix there.
Let us know how it turns out :-)
Cheers

Thank you! I appreciate it! I will definitely keep y'all posted! I hope to have more good news in a month!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Jordan23ww — Sat, 03 Oct 2020 16:32:32 GMT

@M_Smart007 wrote:
Congratulations on your Approval..

Thank you!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

OmarGB9 — Sat, 03 Oct 2020 21:56:50 GMT

Sorry they pulled the rug out from under you. Hope it all works out in the end!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Jordan23ww — Sun, 04 Oct 2020 00:21:38 GMT

@OmarGB9 wrote:
Sorry they pulled the rug out from under you. Hope it all works out in the end!

Thank you so much! I really appreciate the kind words!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

cashorcharge — Sun, 04 Oct 2020 00:41:38 GMT

Best wishes on your next attempt!!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Jordan23ww — Sun, 04 Oct 2020 01:45:34 GMT

@cashorcharge wrote:
Best wishes on your next attempt!!

Thank you!

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Loquat — Sun, 04 Oct 2020 05:22:53 GMT

Random question for those who may have the Apple card. I know its a MasterCard but is it a World/World Elite? Reason I ask is that at least if one gets stuck in a situation like this and don't want to immediately close the card then it can be useful for the cell phone protection maybe.

I know I'm reaching...just sucks to take the hit on points for an account being opened.

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

blindambition — Sun, 04 Oct 2020 05:32:56 GMT

@Loquat wrote:
Random question for those who may have the Apple card. I know its a MasterCard but is it a World/World Elite? Reason I ask is that at least if one gets stuck in a situation like this and don't want to immediately close the card then it can be useful for the cell phone protection maybe.

I know I'm reaching...just sucks to take the hit on points for an account being opened.

Yes, it is World Elite.

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

Loquat — Sun, 04 Oct 2020 05:41:12 GMT

@blindambition wrote:
@Loquat wrote:
Random question for those who may have the Apple card. I know its a MasterCard but is it a World/World Elite? Reason I ask is that at least if one gets stuck in a situation like this and don't want to immediately close the card then it can be useful for the cell phone protection maybe.

I know I'm reaching...just sucks to take the hit on points for an account being opened.
Yes, it is World Elite.

@blindambition Thanks for chiming in. I know it may not be of interest to the OP but if it's World Elite and does come with the MasterCard cell phone product then I guess there's something to be had there. Just really hate to see folks take an HP or ding in points due to a new accoun reporting and walk away with nothing. But I also understand that having a card that will never be able to take advantage of it's highest multiplier isn't something one would want to entertain. Just a sucky situation.

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

blindambition — Sun, 04 Oct 2020 05:57:37 GMT

I honestly feel GS should scrap HP and remove account. The fact that they have no REAL solution for situation. There's a few hiccups in implementation being so tied to phone and specific Appleid.

OP made a mistake, but many people have multiple appleid. They should have accounted for this scenario at some point.

Re: Grand Opening / Grand Closing! I had the Apple Card for 7 hours!!!

sxa001 — Sun, 04 Oct 2020 18:46:14 GMT

The other thing that comes to mind here are cases where someone's Apple ID MUST change, there have been cases of people's Apple ID's getting hacked, perhaps less so now that they have gone to 2FA so maybe less of a concern but there are cases where someone has to change their Apple ID. Seems really annoying to have to get a new card to add it to your phone if your Apple ID had to change for any reason.

For the OP, it sounds like the additional benefits are important for wanting the card, I suppose they could keep fighting but of course it could be futile so probably closing and re-applying in 30 days is the best approach. Good luck OP in getting approved again in 30 days!