topic Re: Score for Apple Card in Credit Cards

Score for Apple Card

CS800 — Wed, 12 Oct 2011 14:32:33 GMT

What kind of score one should expect to have when apping for the Apple card. it seems like Barclays issues this card. Waht do they check for bureau?

Re: Score for Apple Card

RockinRay — Wed, 12 Oct 2011 15:04:24 GMT

I think high 6's to low 7's would be good.

For me, they pulled TU... They are picky about INQ's so make surre you do not have too many when you app. If you are approved and do not get the CL you want, call the back door number and tell them you want to buy a MacBook Pro or another product for a higher amount. Most likely, they will increase on the spot.

I did this and it worked perfectly. Their Reps are super nice to work with.

Good luck!

Ray

Re: Score for Apple Card

wwinter — Wed, 12 Oct 2011 14:59:51 GMT

I just got the Barclay Apple card about 2 months ago. They pulled my TU report which was / is 660. I had cc utilization of about 25% at the time. They gave me a $2000 CL initially but I called and asked for an increase which they granted (up to $3000 total) after asking a few basic questions.

Re: Score for Apple Card

CreditCrusader — Wed, 12 Oct 2011 15:05:50 GMT

A word about Apple/Barclay:

Be very, very careful about the number of inquiries you have when applying for this card. They flat-out told me they would have approved me had I not had several inquiries over the preceding weeks - and my scores are in the low-to-mid 600s.

Re: Score for Apple Card

Anonymous — Wed, 12 Oct 2011 15:34:15 GMT

Soo, 6 inqs is too much right, to apply?

@CreditCrusader wrote:
A word about Apple/Barclay:

Be very, very careful about the number of inquiries you have when applying for this card. They flat-out told me they would have approved me had I not had several inquiries over the preceding weeks - and my scores are in the low-to-mid 600s.

Re: Score for Apple Card

wwinter — Wed, 12 Oct 2011 15:38:10 GMT

It wasn't in my experience. I had more than that in the past year as I was shopping around for a mortgage. They asked me that when I was talking to them about the CLI and I explained it exactly that way... they had no beef with it. They didn't question it at all prior to my CLI request.

Re: Score for Apple Card

CreditCrusader — Wed, 12 Oct 2011 15:56:28 GMT

@Anonymous wrote:
Soo, 6 inqs is too much right, to apply?
@CreditCrusader wrote:
A word about Apple/Barclay:

Be very, very careful about the number of inquiries you have when applying for this card. They flat-out told me they would have approved me had I not had several inquiries over the preceding weeks - and my scores are in the low-to-mid 600s.

Keep in mind this was MY experience, and not necessarily indicative of what you might experience.

I applied...was turned down...called the backdoor number...and told point-blank "If you didn't have these recent inquiries, I would approve you now" (verbatim). Again, my experience only.

Re: Score for Apple Card

Smug — Wed, 12 Oct 2011 16:13:48 GMT

720 here 5k starting limit.18 inq....

Re: Score for Apple Card

CS800 — Wed, 12 Oct 2011 17:09:29 GMT

I have 2 ins in the last year on my TU.

I guess your CL is highly proportional to your income as well as TU FICO.

Lets say you have two people with the same score and credit profile and one makes 40k a year and the other makes 100k. I would tend to thnk that the one with the 100k might get more in CL?

Re: Score for Apple Card

Smug — Wed, 12 Oct 2011 19:45:46 GMT

My income is 30k

Re: Score for Apple Card

CS800 — Wed, 12 Oct 2011 19:47:49 GMT

@Smug wrote:
My income is 30k

Do you know your TU FICO when you applied?

Re: Score for Apple Card

eparker — Wed, 12 Oct 2011 20:15:55 GMT

Do they pull TU only? I am in Texas....

Re: Score for Apple Card

Smug — Thu, 13 Oct 2011 11:31:52 GMT

Yes 720.....

Re: Score for Apple Card

Anonymous — Thu, 13 Oct 2011 17:08:56 GMT

I received my apple card over the summer and they pulled Transunion which was 615 at the time. They gave me an initial credit limit of 750k I called the back door number and said I wanted the mac book pro and they gave me 1500. She just asked me what was my annual income and if I planned on paying it off before a year. LOL.

Re: Score for Apple Card

CS800 — Thu, 13 Oct 2011 17:14:40 GMT

@Anonymous wrote:
I received my apple card over the summer and they pulled Transunion which was 615 at the time. They gave me an initial credit limit of 750k I called the back door number and said I wanted the mac book pro and they gave me 1500. She just asked me what was my annual income and if I planned on paying it off before a year. LOL.

750k ?? What did you tell them you were buying? An apple store franchise? j/k

The CL is highly dependant on the income which makes sense. I actually planned on getting 2 mac book pro and PIF before the statement.

Wonder if I can get them to give me 5k

Re: Score for Apple Card

CreditCrusader — Thu, 13 Oct 2011 17:39:49 GMT

@Anonymous wrote:
Soo, 6 inqs is too much right, to apply?

Let me put it to you this way...I called Apple/Barclay yesterday to verify what the other rep told me. A completely different rep told me if I lay off the apps for the next 6 months and re-apply, I'll get somewhere from $2,000-2,500 when I apply again. I asked if there was anything else that was factoring into the decision...she said no. BTW, I have 6 inqs as well.

Re: Score for Apple Card

Anonymous — Thu, 13 Oct 2011 18:08:21 GMT

@CS800 wrote:
@Anonymous wrote:
I received my apple card over the summer and they pulled Transunion which was 615 at the time. They gave me an initial credit limit of 750k I called the back door number and said I wanted the mac book pro and they gave me 1500. She just asked me what was my annual income and if I planned on paying it off before a year. LOL.

750k ?? What did you tell them you were buying? An apple store franchise? j/k

The CL is highly dependant on the income which makes sense. I actually planned on getting 2 mac book pro and PIF before the statement.

Wonder if I can get them to give me 5k

LOL LOL okay I definitely didn't mean 750k LOL ... but could you imagine? LOL .. But nonetheless I was surprised I got the 750 and when she Recon'd for 1500 I was well satisfied. I really did just want a computer and that's it .... The PC i had was dying asap! lol .. So it was totally a blessing. ..

Re: Score for Apple Card

hyprble — Thu, 13 Oct 2011 19:31:52 GMT

I had around a 720 fico when I applied at the Apple store last year - no recent inquiries, 37% debt to credit and around 50k salary and got "approved" for a whopping $500. The only reason I applied for the card was to purchase an iMac interest free for a year, and they didn't give me enough to get interest free (or maybe it was 6 months if under $500). I called the backdoor number, and they didn't raise my limit. Sad face.

Re: Score for Apple Card

Ortz33__ — Thu, 13 Oct 2011 21:25:53 GMT

what about some of the other barclay's cards? are the standards similiar? i heard the priceline card gives out a higher limit. is that true?

i want the priceline card but not sure about having that dude on it. : ) : )

Re: Score for Apple Card

Anonymous — Thu, 13 Oct 2011 21:29:27 GMT

@Ortz33__ wrote:
what about some of the other barclay's cards? are the standards similiar? i heard the priceline card gives out a higher limit. is that true?

i want the priceline card but not sure about having that dude on it. : ) : )

LOL you don't like capt kirk of the starship enterprize?