topic Re: How hard is to get Apple financing??? in Credit Cards

How hard is to get Apple financing???

sammyfire2001 — Tue, 22 Feb 2011 20:52:34 GMT

I was thinking of financing a macbook and was just wondering about the credit requirments.

Re: How hard is to get Apple financing???

Datx — Tue, 22 Feb 2011 23:36:37 GMT

Fairly easy after you recon. Just don't go app happy after you get approved like I did. At least not for the first 6 or so months after being approved.

Re: How hard is to get Apple financing???

mross1080 — Tue, 22 Feb 2011 23:38:47 GMT

The bank that handles the apple cards is Barclays. I apped and was approved a few months ago and they pulled TU and my score was around 620 then with a few inq's and 20% util. I recieved a 1200 limit. I dont think they were a tough bank in my opinion. I think some members have different experiences though. Good Luck!

Re: How hard is to get Apple financing???

Anonymous — Tue, 22 Feb 2011 23:39:21 GMT

If you don't mind me asking, how long is your credit history and do you have any baddie on your credit report. A FICO score would also be helpful.

Also I know this is not the right place to discuss this, but if you are thinking of buying a Macbook, you should wait 2 days because Apple is going to refresh their Macbook Pro lineup this Thursday, just an FYI...

Re: How hard is to get Apple financing???

Tazman81 — Wed, 23 Feb 2011 19:29:42 GMT

Anyone have success getting an Apple card from Barclays after Chapter 7 bankruptcy? If so, about how long? Wasn't sure if they are BK friendly or not.

Re: How hard is to get Apple financing???

Anonymous — Wed, 23 Feb 2011 20:24:28 GMT

They are bankruptcy friendly. I actually called them last week curious about they're requirements. The person I spoke to said after discharge they'd like to see a clean history of atleast 6 months of on time payments and a TU of 550+. They are also very lenient with recons.

Good luck!

Re: How hard is to get Apple financing???

Creditaddict — Wed, 23 Feb 2011 20:39:24 GMT

They are however not friendly with Inq. or very much debt

Re: How hard is to get Apple financing???

Breakthecycle2 — Wed, 23 Feb 2011 21:32:24 GMT

@Creditaddict wrote:
They are however not friendly with Inq. or very much debt
What constitutes too many inquiries though? I have 9

Re: How hard is to get Apple financing???

Anonymous — Wed, 23 Feb 2011 21:50:28 GMT

Also, if you're a student, they'll have a student Mac + iPod promotion in the summer. And they'll refresh iPods right before that offer expires.

Re: How hard is to get Apple financing???

Anonymous — Wed, 23 Feb 2011 23:00:28 GMT

@MyCreditStinks wrote:
Fairly easy after you recon. Just don't go app happy after you get approved like I did. At least not for the first 6 or so months after being approved.

What did they do to you?

Re: How hard is to get Apple financing???

Anonymous — Wed, 23 Feb 2011 23:50:23 GMT

I was approved today but I call the recon because I need a huge line of credit and BAM approved

CHECK APPLICATION STATUS

Congratulations! On 02/23/2011 you were approved for the
Barclaycard Financing Visa Card with a Credit Line of $4,500.00

You'll receive your card, pin, and cardmember agreement within the next 10 days. Set up online access now. Select GO to create a username and password.

Click here to return to your list of recent applications.

Re: How hard is to get Apple financing???

Creditaddict — Wed, 23 Feb 2011 23:57:06 GMT

@Anonymous wrote:
I was approved today but I call the recon because I need a huge line of credit and BAM approved

CHECK APPLICATION STATUS

Congratulations! On 02/23/2011 you were approved for the
Barclaycard Financing Visa Card with a Credit Line of $4,500.00

You'll receive your card, pin, and cardmember agreement within the next 10 days. Set up online access now. Select GO to create a username and password.

Click here to return to your list of recent applications.

What did you initially get approved for? what's your score, util, and inq's?

Re: How hard is to get Apple financing???

Anonymous — Thu, 24 Feb 2011 00:01:45 GMT

I was denied at first so I call the recon number and they only ask me my named and income and he said OK 2500 so I told him can

the bank match my bank of American 5000 and he said NO we can give you 4500 and I told him OK that great. My score are 610 and

the pull transunion.

Re: How hard is to get Apple financing???

redhed831 — Thu, 09 Feb 2012 15:55:04 GMT

Anyone apply lately? What's the deal? I'm looking at getting a couple MacBooks for my husband and I. TU 650ish, FICO 621. Very low debt/income ratios. Thanks

Re: How hard is to get Apple financing???

Anonymous — Thu, 09 Feb 2012 16:38:47 GMT

I applied yesterday at the store and was denied, immediately i called to recon and after a few questions income, purchase amt i was approved foe $1500. Had been xenied twice before online i say go to the store bcz the recon dept can see the app coming from the store. I felt like the credit analyst did more to recon since i mentioned i was at the store. They pull tu 627. Good luck

Re: How hard is to get Apple financing???

CS800 — Thu, 09 Feb 2012 18:40:10 GMT

@Anonymous wrote:
I was denied at first so I call the recon number and they only ask me my named and income and he said OK 2500 so I told him can
the bank match my bank of American 5000 and he said NO we can give you 4500 and I told him OK that great. My score are 610 and
the pull transunion.

Thats a very nice CL..congrats

Re: How hard is to get Apple financing???

Tommy5746 — Thu, 09 Feb 2012 19:25:08 GMT

What was the phone number that you called?

Re: How hard is to get Apple financing???

Creditaddict — Thu, 09 Feb 2012 19:29:08 GMT

@Anonymous wrote:
I applied yesterday at the store and was denied, immediately i called to recon and after a few questions income, purchase amt i was approved foe $1500. Had been xenied twice before online i say go to the store bcz the recon dept can see the app coming from the store. I felt like the credit analyst did more to recon since i mentioned i was at the store. They pull tu 627. Good luck

I don't think they can tell you are at the store, you are simply logging into the internet and applying like you were sitting at home on the internet.... The computer approval system Barclay uses is really weird, almost seems pointless... you hear about a 10-20% instant approval and sometimes they are just stupid approvals like $320 I have heard before.... I got the security questions when I applied a couple months ago which with other banks I have gone through that part of the application and that has meant I was approved if I could get the answers right... with Barclay I got 1 wrong and it went into processing which of course I then called and was instantly approved... No mention of in store or how much I needed for purchase etc..

Re: How hard is to get Apple financing???

Tommy5746 — Thu, 09 Feb 2012 20:04:15 GMT

Found the backdoor number and called.. they asked me a bunch of questions about income, credit card limits... what my job title was etc.. They said they couldn't approve me today but if I paid down some of my credit card debt I could call back and ask them to give it another look and they would most likely give me the approval. This was for the Apple itunes card by the way.. Both cards apple offers are Visa's but for me the itunes card would be more beneficial. I'm going to call back at the end of the month when I've paid down some credit cards and see what they say.

Re: How hard is to get Apple financing???

Anonymous — Thu, 09 Feb 2012 20:09:57 GMT

How are they on doing PCs?

I have the Apple Financing card but I was thinking I'd prefer the ITunes card or something like that.