My TU has bumped up quite a bit (unlike EQ or EX...yet lol) and I wanted to give some DPs for the ACT and dirty credit profiles and maybe give a little hope to some!
So, first for the good laugh: I am a Samsung user! I have no Apple products these days, so the Apple Card is worthless to me, and I will not accept the offer, but the ACT is a SP and I wanted to see where I stood with a more conservative-ish bank with my dirty credit profile and newly "ok" credit score. It took some work to find my old Apple ID and to unlock the account!
I added a $6k iMac to my cart and spun the wheel!
No ID verification. App was super easy!
TU F8 716
TU F9 684
TU BC8 725
TU BC9 700
~$88k in SLs (>100% util)
<1% agg util
4% individual util
Current credit limits:
0/6, 1/12, 2/24
Accounts (Revolvers only):
0/6, 0/12, 3/24
3 unpaid (most "recent" added exactly 3 years ago and all 3 update monthly)
# of lates:
8 (most "recent" 6y 5m ago according to MyFico and EX (for TU), but TU CR shows most "recent" late listed as 3y 11m ago)
Severity of lates:
120d for all 8 lates
Since I do not have an apple device, I do not have a "wallet" to view the terms. I scoured the Apple approval page, but could not find the interest rate listed anywhere.
I felt good about this because my highest CL is $1k and while $2.5k is not amazing, it is clearly better than $1k lol
Just thought some would be curious about DPs of a dirty profile getting an approval!
You can find an used iPhone 6 for under 100 bucks so you can keep track of everything much easier than using the webportal.
I wouldn't recommend an Apple Card without first having an iPhone. You won't reap the 2% cash back w/ Apple Pay.
Congratulations on your progress and approval! Thank you for sharing all these data points!
Congratulations on your Apple Card offer! It's a great card if you're in the Apple ecosystem and CLIs can be generous with spend.