topic Apple Card denied in Credit Card Applications

Apple Card denied

balu548 — Wed, 15 Sep 2021 23:51:42 GMT

Hello,

I recently applied for apple card 2 times, first time they rejected saying my DL is expired, second time I applied with other id and unfortunately they didn’t accept the id. Today I got my renewed DL and when I applied, it is saying I applied multiple times and they couldn’t verify my identity (in this attempt, it didn’t prompted me for ID verification at all, straight away reject.)

I have 725 TU, 732 EX, 711 EQ scores

What are my chances of getting card in the future? When can I reapply?

Thanks

Surendra

Re: Apple Card denied

Yasselife — Thu, 16 Sep 2021 00:15:12 GMT

@balu548 I've read on here that they use the same application for 3 months so even if your profile changes you get same results. I'd take that with a grain of salt though.
Have you tried the car trick?

Re: Apple Card denied

dcp0524 — Thu, 16 Sep 2021 04:08:06 GMT

@Yasselife wrote:
@balu548 I've read on here that they use the same application for 3 months so even if your profile changes you get same results. I'd take that with a grain of salt though.
Have you tried the car trick?

I've heard of many people applying, getting denied for closing a bank account recently, turned around froze ChexSystems and then applied again minutes later and was approved. All in the same day.

I applied twice within a few days 04/09/2021 & 04/15/2021 bc I was being impatient. First time denied for unpaid collections, second time same reason, even though a collections had fallen off in between each application. Then on 04/27 my last collection account was removed by early exclusion so I switched to a 100% clean profile and got a 65 point boost on TU to 758. Applied, was denied again. Looking back in my emails the denial reason that time was "You have applied a number of times and we cannot verify the information you have provided at this time." On 5/25/21 I applied again and was finally approved.

He/She shouldn't have to wait anywhere close to 90 days. I believe the magic number is 2 times within a 30 day period. So 30 days from the last application @balu548 should be golden to apply again.