topic Re: Question about the Apple Card in Credit Card Applications

Question about the Apple Card

FireMedic04 — Tue, 13 Sep 2022 00:01:14 GMT

Hi guys,

I recently got approved for a Chase Sapphire Preferred. I got curious and checked the Apple Card soft pull and it says I am approved for $10,000 at a good APR.

my question is would it be ok to pull the trigger on the Apple Card? Or will Chase ding me for applying for a card after their approval? I am under the 5/24 rule.

Re: Question about the Apple Card

NoMoreE46 — Tue, 13 Sep 2022 03:05:03 GMT

In general, you should be okay getting the Apple Card. How's your utilization?

Re: Question about the Apple Card

FireMedic04 — Tue, 13 Sep 2022 10:25:51 GMT

Thank you for your response. My utilization is 2%. I pay all cards off before statement closes except one card which I leave about $30 of a balance.

Re: Question about the Apple Card

NoMoreE46 — Tue, 13 Sep 2022 13:49:28 GMT

Excellent.

If I were you, I would go for it. Chase shouldn't be too concerned about one new account afterwards.

Re: Question about the Apple Card

CYBERSAM — Tue, 13 Sep 2022 16:08:29 GMT

@FireMedic04 wrote:
Hi guys,

I recently got approved for a Chase Sapphire Preferred. I got curious and checked the Apple Card soft pull and it says I am approved for $10,000 at a good APR.

my question is would it be ok to pull the trigger on the Apple Card? Or will Chase ding me for applying for a card after their approval? I am under the 5/24 rule.

You should be fine! One card is not going to make a big deal, they just don't like you to go on app spree after getting their card!

Re: Question about the Apple Card

M_Smart007 — Tue, 13 Sep 2022 18:55:13 GMT

@FireMedic04 wrote:
Hi guys,

I recently got approved for a Chase Sapphire Preferred. I got curious and checked the Apple Card soft pull and it says I am approved for $10,000 at a good APR.

my question is would it be ok to pull the trigger on the Apple Card? Or will Chase ding me for applying for a card after their approval? I am under the 5/24 rule.

@FireMedic04,

Just providing my DP's, as in ALL things credit YMMV!

Many accounts opened before "Chase" on 12/26/2021

Then "DCU" on 1/1/2022

No Adverse Action by Chase.

I waited 8 months for my next approval.

I would NOT go on any so called "APP" spree's after a Chase Approval,

as there are many "DP's of people being shut down by Chase."

Re: Question about the Apple Card

SDMarik — Wed, 14 Sep 2022 14:32:11 GMT

You should be fine, if the Apple card makes sense for you go for it. Chase should not have any problems with one new account after theirs, especially if the rest of your profile makes sense for them.