topic Apple Card preapproval? in Credit Card Applications

Apple Card preapproval?

Anonymous — Mon, 30 Nov 2020 18:21:37 GMT

Hey can explain what the shopping cart trick is I got denied 2 months later and I've been thinking of reapply

Re: Apple Card preapproval?

M_Smart007 — Mon, 30 Nov 2020 18:39:14 GMT

@Anonymous wrote:
Hey can explain what the shopping cart trick is I got denied 2 months later and I've been thinking of reapply

Hi @Anonymous and welcome to the forum

I could explain the SCT (shopping cart trick) ..however,

I think @Anonymous or @GApeachy could explain better!

(I am quite sure there are others, well versed in the SCT)

ETA: Here is a pretty big thread on the "SCT" subject...

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533312#M223902

ETA #2: You might list your FICO scores and your reason for denial also what other cards you hold,

so others may better help you?

Re: Apple Card preapproval?

FinStar — Mon, 30 Nov 2020 18:59:20 GMT

@M_Smart007 wrote:
@Anonymous wrote:
Hey can explain what the shopping cart trick is I got denied 2 months later and I've been thinking of reapply
Hi @Anonymous and welcome to the forum
I could explain the SCT (shopping cart trick) ..however,
I think @Anonymous or @GApeachy could explain better!
(I am quite sure there are others, well versed in the SCT)

ETA: Here is a pretty big thread on the "SCT" subject...
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533312#M223902

ETA #2: You might list your FICO scores and your reason for denial also what other cards you hold,
so others may better help you?

@M_Smart007, I believe the OP is interested in the Apple Card pre-approval method (per thread title) that was recently discussed (not Comenity CCs).

Re: Apple Card preapproval?

M_Smart007 — Mon, 30 Nov 2020 19:00:11 GMT

@FinStar, Sorry. Was up late not enough sleep or coffee

Re: Apple Card preapproval?

Doodlebug30 — Mon, 30 Nov 2020 19:20:47 GMT

The apple card can be obtained with the SCT? Im following this bc my sister wants this card in the worst way...I'll pass along whatever i learn LOL

Re: Apple Card preapproval?

coldfusion — Mon, 30 Nov 2020 19:34:01 GMT

@Anonymous wrote:
Hey can explain what the shopping cart trick is I got denied 2 months later and I've been thinking of reapply

Briefly put, go to the Apple site and put an iPad or something into your bag.

Go to check out.

For payment options select to pay monthly at 0% APR. In fine print it will mention Apple Card monthly installments.

Click through, you'll be told that you need a SL of at least $xx.yy to purchase using the card, click through again and you'll be prompted to sign in using your Apple ID and then apply for the card.

Re: Apple Card preapproval?

coldfusion — Mon, 30 Nov 2020 19:34:52 GMT

@Doodlebug30 wrote:
The apple card can be obtained with the SCT? Im following this bc my sister wants this card in the worst way...I'll pass along whatever i learn LOL

No, NOT the SCT.

I briefly outlined the path to follow in my post above,.

Re: Apple Card preapproval?

Matt9543 — Mon, 30 Nov 2020 23:06:04 GMT

I would personally consider that the "Shopping Cart Trick" though. If you apply for financing through the checkout process from Apple.com, you are more likely to get approved than if you were to apply solely through the Wallet app. There's been many people who have been approved this way. It does not work in the way of only get a soft pull for the app. In any capacity of applying, you'll get an Approval Offer if they choose to approve you. This will show your Credit Limit and Interest Rate. This will never result in a hard pull. Once you accept your offer, THEN you will receive the hard pull. I, among others, applied this way and got approved. I had tried numerous times prior within the Wallet app, always got denied.

Re: Apple Card preapproval?

coldfusion — Tue, 01 Dec 2020 00:33:32 GMT

@Matt9543 wrote:
I would personally consider that the "Shopping Cart Trick" though. If you apply for financing through the checkout process from Apple.com, you are more likely to get approved than if you were to apply solely through the Wallet app. There's been many people who have been approved this way. It does not work in the way of only get a soft pull for the app. In any capacity of applying, you'll get an Approval Offer if they choose to approve you. This will show your Credit Limit and Interest Rate. This will never result in a hard pull. Once you accept your offer, THEN you will receive the hard pull. I, among others, applied this way and got approved. I had tried numerous times prior within the Wallet app, always got denied.

The SCT is associated specifically with cards issued by Comenity, as a user you have no visibility in real-time to determine whether or not the process triggered any kind of consideration regarding the possibility of extending you an offer, and in many cases when successful the user ends up with a card without taking a hard pull.

In this case if you follow the steps correctly you know that you're going to be evaluated by Goldman Sachs and that if an offer is extended adn accepted there will be a hard pull. The differences are not all trivial.

Re: Apple Card preapproval?

Mr_Mojo_Risin — Tue, 01 Dec 2020 00:35:21 GMT

Since your question was answered, I'm just here to say I'm diggin that handle!

Re: Apple Card preapproval?

Anonymous — Tue, 01 Dec 2020 16:20:00 GMT

Thanks for the input. Did this trick today and it worked for me. Finally, got an Apple Card after months of trying through the wallet app.