topic Re: Apple Card application denial in Credit Card Applications

Apple Card application denial

fsalsa2 — Thu, 15 Oct 2020 09:44:34 GMT

Hey guys, I had recently applied for the Apple Card and was put on the path to Apple Card. Just this week I reapplied albeit before the completion date which is next month but have heard that it is possible to get approved before the path to Apple Card program has been completed. From what I understand they pull Transunion Fico Score 9 and my current score sits at 676. The reason it wasn't approved is because it states that I had been late on a payment recently? Has anyone had a similar experience?

Re: Apple Card application denial

Vu — Thu, 15 Oct 2020 13:05:38 GMT

Try the shopping cart trick.

Add a couple of large items like Mac Pro in the tune of $10K into the cart, go to checkout and click on the financing with Apple Card. I have read that people on Path to Apple Card get approved before their completion date that way.

Fill out the app, and if you are approved, it will tell you how much you are approved and cannot continue with the checkout because you don't have enough available credit to buy $10K worth of stuff. So just exit the checkout.

Go back to the wallet, and you'll see the continue your application of the Apple Card, click on that, and you'll see the approved offer in there .

Re: Apple Card application denial

Ficoproblems247 — Thu, 15 Oct 2020 14:01:31 GMT

The reason of recent late payment does not necessarily refer to a timeframe you might think as being recent. Sometimes GS uses that for any missed payment they see anywhere on your report. Lenders are required to give a reason for denial when refusing your credit, therefore they sometimes just throw something out there wether it be pertinent to your current profile or not, just so they can have a reason listed. The actual reason they denied you may be just because they're being more cautious lately (as most lenders are.) So "recent late" may be a missed payment from 7 years ago, or something that happened last month. It's a pretty broad remark. Your best bet is probably going to be following the steps they gave you in path to Apple Card. I've heard mostly success stories for those that did just that. Good luck getting that beautiful slice of titanium into your wallet!

Re: Apple Card application denial

Jordan23ww — Thu, 15 Oct 2020 18:35:12 GMT

@Vu wrote:
Try the shopping cart trick.

Add a couple of large items like Mac Pro in the tune of $10K into the cart, go to checkout and click on the financing with Apple Card. I have read that people on Path to Apple Card get approved before their completion date that way.

Fill out the app, and if you are approved, it will tell you how much you are approved and cannot continue with the checkout because you don't have enough available credit to buy $10K worth of stuff. So just exit the checkout.

Go back to the wallet, and you'll see the continue your application of the Apple Card, click on that, and you'll see the approved offer in there .

Thank you for sharing this tip!

Re: Apple Card application denial

Matt9543 — Thu, 15 Oct 2020 20:18:56 GMT

@Vu wrote:
Try the shopping cart trick.

Add a couple of large items like Mac Pro in the tune of $10K into the cart, go to checkout and click on the financing with Apple Card. I have read that people on Path to Apple Card get approved before their completion date that way.

Fill out the app, and if you are approved, it will tell you how much you are approved and cannot continue with the checkout because you don't have enough available credit to buy $10K worth of stuff. So just exit the checkout.

Go back to the wallet, and you'll see the continue your application of the Apple Card, click on that, and you'll see the approved offer in there .

I'm gonna try this out with a case and see if they still approve me. Apparently any iPhone accessory can be purchased with 12 month installment, like a case is $3.25, so I'll try it out and see if it works. I need a new case soon, anyways.

Re: Apple Card application denial

Matt9543 — Thu, 15 Oct 2020 20:52:14 GMT

Wow, it worked. Holy heck it worked haha

Re: Apple Card application denial

GrabbedByTheGhoulies — Fri, 16 Oct 2020 03:13:04 GMT

@Matt9543 wrote:
Wow, it worked. Holy heck it worked haha

Congrats!

Re: Apple Card application denial

Vu — Thu, 15 Oct 2020 23:30:32 GMT

@Matt9543 wrote:
Wow, it worked. Holy heck it worked haha

LOL. Congratulations

Re: Apple Card application denial

Anonymous — Sun, 01 Nov 2020 23:25:35 GMT

I was getting denied for that same reason, but I hadnt had any late payments in a while. It was showing 11 months since my late payment on my CR last month when I applied. I waited till this month when it showed 12 months since my last late payment and I applied today and was approved. It might be that you just have to wait for the time since last late payment to be a year.

Re: Apple Card application denial

Anonymous — Mon, 02 Nov 2020 02:10:19 GMT

Ok, so has anyone done this and been approved for more than the cost in the cart? I really don't need to have to explain to my wife why I just bought $10k worth of Apple stuff...

I'd like to know whether it's still possible to back out of the purchase of you're approved for more than the total. Alternatively, does adding like $100 to the bag before applying have the same effect?

Also, congrats!!

Re: Apple Card application denial

Anonymous — Mon, 02 Nov 2020 03:04:53 GMT

Ok, well, I answered the question. For any interested, yes, you can still back out of a purchase after you've been approved for an amount greater than the bag total. Added a watch band, one I liked, just in case, approved for $3500 and was able to back out and delete the band from my bag...

Though now, I may go back and buy it. I liked it. I'm tired of the one it came with.

Re: Apple Card application denial

Ficoproblems247 — Mon, 02 Nov 2020 03:06:41 GMT

@Anonymous wrote:
Ok, well, I answered the question. For any interested, yes, you can still back out of a purchase after you've been approved for an amount greater than the bag total. Added a watch band, one I liked, just in case, approved for $3500 and was able to back out and delete the band from my bag...

Though now, I may go back and buy it. I liked it. I'm tired of the one it came with.

Thanks for testing your own theory! 😂 (I was hoping to get an answer to that one.)