topic Re: Apple Financing? in Credit Card Applications

Apple Financing?

amclaughlin42 — Sat, 14 Mar 2015 23:09:30 GMT

I started building my credit just 3 short months ago. Now, my wife's computer broke and I am wanting to get her a new one, but I don't have $1500 just lying around to buy her a new one. So I was curious about their financing. I know I can go through PayPal credit or BarClay Visa with Apple Rewards. I am wanting that Barclay card anyways. I don't have a credit score yet, I have a lot of inquiries on my report because of my car loan. However, Credit Karma says I have fair approval odds. Is this accurate?

Re: Apple Financing?

Anonymous — Sat, 14 Mar 2015 23:17:52 GMT

@amclaughlin42 wrote:
I started building my credit just 3 short months ago. Now, my wife's computer broke and I am wanting to get her a new one, but I don't have $1500 just lying around to buy her a new one. So I was curious about their financing. I know I can go through PayPal credit or BarClay Visa with Apple Rewards. I am wanting that Barclay card anyways. I don't have a credit score yet, I have a lot of inquiries on my report because of my car loan. However, Credit Karma says I have fair approval odds. Is this accurate?

No, CK is not accurate. It's a marketing tool. If you don't have a credit score yet, you won't get approved with Barclays

Re: Apple Financing?

taxi818 — Sun, 15 Mar 2015 01:20:59 GMT

But if you got a car loan. you had to do it with a credit score. unless it was a buy here pay here. what is it?

Re: Apple Financing?

Anonymous — Sun, 15 Mar 2015 02:01:46 GMT

@amclaughlin42 wrote:
I started building my credit just 3 short months ago. Now, my wife's computer broke and I am wanting to get her a new one, but I don't have $1500 just lying around to buy her a new one. So I was curious about their financing. I know I can go through PayPal credit or BarClay Visa with Apple Rewards. I am wanting that Barclay card anyways. I don't have a credit score yet, I have a lot of inquiries on my report because of my car loan. However, Credit Karma says I have fair approval odds. Is this accurate?

please please please.............take what ck saids with a grain of salt. remember that is your vantage 3.0 score and not a fico score. ck is up and down when they reccomend their cc partner offers. ime they reccomended me cards with bad chances but i got approved for, and with good chances, that i didnt get approved for. you have to make a judgement call and consider what banks look at, like AAoA, inquires, and then your score. Barclay is very iffy on alot of things, as im still waiting for an approval or denial with their apple finaicing and its been a month since i verified myself. if you dont have all your ducks in a row with them, then do not apply and waste a hp. wait to your cr gets strong, so u wont get a denial.

Re: Apple Financing?

SecretAzure — Sun, 15 Mar 2015 02:49:16 GMT

@Anonymous wrote:
@amclaughlin42 wrote:
I started building my credit just 3 short months ago. Now, my wife's computer broke and I am wanting to get her a new one, but I don't have $1500 just lying around to buy her a new one. So I was curious about their financing. I know I can go through PayPal credit or BarClay Visa with Apple Rewards. I am wanting that Barclay card anyways. I don't have a credit score yet, I have a lot of inquiries on my report because of my car loan. However, Credit Karma says I have fair approval odds. Is this accurate?
please please please.............take what ck saids with a grain of salt. remember that is your vantage 3.0 score and not a fico score. ck is up and down when they reccomend their cc partner offers. ime they reccomended me cards with bad chances but i got approved for, and with good chances, that i didnt get approved for. you have to make a judgement call and consider what banks look at, like AAoA, inquires, and then your score. Barclay is very iffy on alot of things, as im still waiting for an approval or denial with their apple finaicing and its been a month since i verified myself. if you dont have all your ducks in a row with them, then do not apply and waste a hp. wait to your cr gets strong, so u wont get a denial.

Think of Credit Karma as a credit teacher. It teaches you good habits even if you don't know why the habits are good. I am super thankful for Credit Karma for making me conscious of credit and teaching me the order I had to app for cards in and which were good and which weren't. For score though, don't completely go by it. Ignore the number it gives you but completely pay attention to what it says is causing that score to go up and down because in this, it is accurate.

Re: Apple Financing?

amclaughlin42 — Sun, 15 Mar 2015 04:29:08 GMT

@taxi818 wrote:
But if you got a car loan. you had to do it with a credit score. unless it was a buy here pay here. what is it?

You don't have to have a credit score to get a car loan, but you do have to prove income elegibility. It was hard to get a loan without a score but not impossible. We had a $2500 downpayment along witth $300 trade in. So we were able to get a car loan, it takes 6 months to generate a credit score, I should have a score come July.

Re: Apple Financing?

amclaughlin42 — Sun, 15 Mar 2015 04:31:54 GMT

CK shows me with fair approval odds, but if you think I wont get approved what about a recon? Some people get denied, call backdoor numbers and then get approved.

Re: Apple Financing?

SecretAzure — Sun, 15 Mar 2015 05:14:56 GMT

@amclaughlin42 wrote:
CK shows me with fair approval odds, but if you think I wont get approved what about a recon? Some people get denied, call backdoor numbers and then get approved.

Sad to say I don't think that'll work in your favor. I think you should wait. Which apple product you looking to buy?

Re: Apple Financing?

amclaughlin42 — Sun, 15 Mar 2015 05:18:50 GMT

@SecretAzure wrote:
@amclaughlin42 wrote:
CK shows me with fair approval odds, but if you think I wont get approved what about a recon? Some people get denied, call backdoor numbers and then get approved.
Sad to say I don't think that'll work in your favor. I think you should wait. Which apple product you looking to buy?

A MacBook for my wife. I accidently broke her computer, and I am needing to replace it.

Re: Apple Financing?

SecretAzure — Sun, 15 Mar 2015 05:25:28 GMT

This might sound horrible but I think you should slowly save up to get one. You should look at the refurbished ones from best buy or apple directly, they're usually in very good condition and somewhat cheaper. To get approved for these, especially Barclay, it takes a very above average credit score.

Re: Apple Financing?

Anonymous — Sun, 15 Mar 2015 18:21:01 GMT

here is a strategy that worked for my brother;. he got a secured card fo 300. Didn't use it at all for 12 months. At 12 months he applied for the apple barclay card for 5k, got it after a phone call to verify identity. Same day he applied for an amazon card instant approval at 2,500. Waited two months for it to report applied for virgin air credit card and was approved at 6k, same day southewest chase (6,500), nexty day walmart mastercard approved 700, one week later chase slate (5k). Now he is done. I think this is a better strategy than trying small cards and building up--he got three visa signature cards, and slate all within one year. no other tradelines

Re: Apple Financing?

SecretAzure — Sun, 15 Mar 2015 18:51:25 GMT

@Anonymous wrote:
here is a strategy that worked for my brother;. he got a secured card fo 300. Didn't use it at all for 12 months. At 12 months he applied for the apple barclay card for 5k, got it after a phone call to verify identity. Same day he applied for an amazon card instant approval at 2,500. Waited two months for it to report applied for virgin air credit card and was approved at 6k, same day southewest chase (6,500), nexty day walmart mastercard approved 700, one week later chase slate (5k). Now he is done. I think this is a better strategy than trying small cards and building up--he got three visa signature cards, and slate all within one year. no other tradelines

Wow this seems miraculous...and dangerous lol. I'd say that not everyone might have the same luck.