topic Re: Apple Card in Bankruptcy

Apple Card

sccredit — Tue, 16 Mar 2021 16:20:18 GMT

I think I'm going to give up on the Apple card alotogether. I was reading the BK Friendly Creditors thread and saw a number of Apple Card approvals with BK's newer than mine. I went through the Wallet App. Gave me a denial. TU score 754. Stated reason was "You have recently been past due". Crazy part is I have absolutley zero late payments showing on TU (or anywhere else). Only negative is the BK itself which was discharged 3 years ago. I was looking to replace my BBVA card, will have to think about other options instead. ETA: I did not burn GS in BK

Re: Apple Card

Ficoproblems247 — Mon, 15 Mar 2021 19:25:54 GMT

Have you tried the SCT? A lot of others have had success doing so.

Re: Apple Card

kittycreditmeow — Mon, 15 Mar 2021 22:45:04 GMT

I thought there was a prequalify app for the Apple Card? I know I just tried it and got denied as well but it was without an inquiry I believe through the Apple site directly. I attempted the SCT. No such luck but I'm 16 months Post Bk and way too many inquiries on my report.

Re: Apple Card

Anonymous — Tue, 16 Mar 2021 03:51:49 GMT

I am hoping to get this card too but have decided to garden until next year when I'm 3 years post bankruptcy and hope for an approval. I think the burning/not burning them thing makes a big difference too.

Re: Apple Card

Jordan23ww — Thu, 25 Mar 2021 19:46:55 GMT

I'm sorry for your denial. I've noticed from reading posts on here it has been difficult to get approved for the Apple Card if you have a bankruptcy on your report or issues with a student loan.

I myself had issues with missed payments with a student loan almost 3 years ago. Every time I applied for this card I was denied for recently being past due. What finally worked for me was applying using the Apple Cart Trick (ACT).

Hopefully that can work for you too, if not now then maybe eventually. I was denied 11 times in a row using the wallet app to apply before I finally got approved by using the ACT. Best wishes to you next time you apply!

Re: Apple Card

Honeykissez — Thu, 25 Mar 2021 23:33:40 GMT

I was offered the Path to Apple Card when I applied in January. I'm 7 months post bk now and they gave me steps to follow and I can apply again in June.

Re: Apple Card

Anonymous — Sat, 10 Apr 2021 15:19:01 GMT

My Chapter 7 will be 3 years old in May. After appying about twice a week for the last few months (apple card is a soft pull if you are declined), Apple finally gave me a card. It's weird beacuse nothing had changed on my reports. At time of approval, TU was 660.

Just wanted to add a data point for those interested.

Re: Apple Card

chalupaman — Tue, 13 Apr 2021 19:15:01 GMT

Apple Card is so weird. I even tried the SCT to get it but nothing. Oh well. Now they are saying cause I applied a bunch of times before they don't recognize my info. I'm giving it another several months before trying again.

Re: Apple Card

DoogieBall — Wed, 14 Apr 2021 02:15:38 GMT

I tried back in 07/2020 and was denied with a 9.5 year old BK7 and TU at 745. Got a TU EE in 09/2020 and was approved for $1500 at 23.99%, but I didn't take it. Tried again in 02/21 post BK7 falling off and TU at 816. Preapproved $1500 at 15.99%. Didnt' take it again. Really wanted the card back last summer when I was looking at a new computer.

GS seems to be a tricky one. Plenty of people getting smaller SL but then getting good CLI after a few months of usage. If the rumoured 2021 Macbook Pros are under $1500 USD, I'll take the preapproval and build it up.

Re: Apple Card

Anonymous — Fri, 14 May 2021 04:11:48 GMT

I tried once a month for a year and had a huge list of denial reasons. Had collections.(started credit rebuilt 5 years into the 7 it takes to clear out unpaid collections) Had discover(600 secured, graduated to $1000) for a year and cap1($300cl, increased to $400) for 8 months.

So basically, two car loans(13k,20k), 3 personal loans(about $6k total), 2cc and Valero gas card. All but one month(the one month most were maxed out) paid in full except gas card usually 30-50% paid reported to equifax only. Was never offered the pathway to  card. I guess they just wanted me to keep doing what I'm doing. It said high loan balances which were not much lower by time they accepted me and offered $1500 at 21%apr. credit karma shows 40 on time payments (100%). I always put $41k as income. When I got accepted I had put $43k. 3rd year apprentice electrician. Oh yeah, and it said we are reviewing your file the last time when it didn't automatically say no. Took a day or two before I got the offer.

I also feel like they just accept so many at a time. Or maybe it's the fact I applied later at night on weekend.

Re: Apple Card

tammyjk — Wed, 19 May 2021 00:36:53 GMT

I applied for Apple a week ago and got denied. Today Navy Federal CU gave me a 20k limit. 3 years out of BK 100% on time payments and Credit Score of 670. To heck with Apple!

Re: Apple Card

tammyjk — Wed, 19 May 2021 00:38:39 GMT

I didn't burn them and my score throught Equifax is 670. 100% on time payments. Yet my CU just gave me a 20k credit card today.

Re: Apple Card

Anonymous — Wed, 19 May 2021 02:50:18 GMT

Wow, congrats! That's a pretty juicy credit limit! That is a fairly fresh bk. Maybe keep trying periodically over time if you still want Apple. They will prob have better offers and rewards in future.  and GS are still pretty young in the credit game. they also might notice that credit limit after a couple more tries if you keep it paid down?

I also have 100% on time payments. I had around 640 transunion and 40 on time payments before they approved.

I hope that card has some type of rewards?

Re: Apple Card

tammyjk — Wed, 19 May 2021 03:58:43 GMT

No rewards because I opted for the low interest rate and 0 interest for 18 mos. I have about 400 on a high interest rate card that I'm going to transfer over and get rid of it. So it made more sense. Apple? phhhhht. I don't care anymore.

Re: Apple Card

GrandBay — Thu, 27 May 2021 03:26:19 GMT

@Honeykissez - I see you received it a month early!

Re: Apple Card

babygirl1256 — Thu, 27 May 2021 08:26:37 GMT

Is it possible for you to call the recon department and speak to a representative? Hoping that you are approved!!!

Re: Apple Card

Bmac66 — Sun, 20 Jun 2021 14:02:24 GMT

Each time is a soft pull?

@Jordan23ww wrote:
I'm sorry for your denial. I've noticed from reading posts on here it has been difficult to get approved for the Apple Card if you have a bankruptcy on your report or issues with a student loan.

I myself had issues with missed payments with a student loan almost 3 years ago. Every time I applied for this card I was denied for recently being past due. What finally worked for me was applying using the Apple Cart Trick (ACT).

Hopefully that can work for you too, if not now then maybe eventually. I was denied 11 times in a row using the wallet app to apply before I finally got approved by using the ACT. Best wishes to you next time you apply!

Re: Apple Card

Bmac66 — Sun, 20 Jun 2021 14:02:59 GMT

@Jordan23ww wrote:
I'm sorry for your denial. I've noticed from reading posts on here it has been difficult to get approved for the Apple Card if you have a bankruptcy on your report or issues with a student loan.

I myself had issues with missed payments with a student loan almost 3 years ago. Every time I applied for this card I was denied for recently being past due. What finally worked for me was applying using the Apple Cart Trick (ACT).

Hopefully that can work for you too, if not now then maybe eventually. I was denied 11 times in a row using the wallet app to apply before I finally got approved by using the ACT. Best wishes to you next time you apply!

Each time is a soft pull?

Re: Apple Card

SinCityPaladin — Mon, 21 Jun 2021 18:14:36 GMT

@Bmac66 Yes. Apple Card is soft pull each time you app. Becomes a hard pull if you're approved AND you accept the card.

Re: Apple Card

Lebrunrf — Mon, 12 Jul 2021 18:47:10 GMT

I was just approved today using the apple cart method, previous pre approval attempts have failed. I have a dismissed ch. 13 from 2015 still reporting. The cart trick seems to work...goood luck!

$1500 CL

TUF8-700

*EDIT* they look at TUF9- which is only 622!