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ACT (Apple Cart Trick) Apple Card with derogs

LaHossBoss
Senior Contributor

ACT (Apple Cart Trick) Apple Card with derogs

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!

 

Note:

I added a $6k iMac to my cart and spun the wheel!

 

No ID verification. App was super easy!



DPs:

Scores:

TU F8 716

TU F9 684

TU BC8 725

TU BC9 700

Debt:

~$88k in SLs (>100% util)

<1% agg util

4% individual util

AZEO

Current credit limits:

See siggy

Apps:

0/6, 1/12, 2/24

Accounts (Revolvers only):

0/6, 0/12, 3/24

 

Derogs:

CAs:

3 unpaid (most "recent" added exactly 3 years ago and all 3 update monthly)

Lates:

# of lates:

(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

COs:

*None*



Approved!

$2500 SL

Unknown terms 

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!

 

Good luck!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 1 of 6
5 REPLIES 5
HiiiPoWeR
Regular Contributor

Re: ACT (Apple Cart Trick) Apple Card with derogs

Congrats! 

 

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.

Message 2 of 6
Jordan23ww
Established Contributor

Re: ACT (Apple Cart Trick) Apple Card with derogs

Congratulations on your progress and approval!  Thank you for sharing all these data points! 

 




Message 3 of 6
M_Smart007
Epic Contributor

Re: ACT (Apple Cart Trick) Apple Card with derogs

Congratulations on your approval! ...

 

" for the good laugh: I am a Samsung user!  .. smiley-laughing021.gif

Message 4 of 6
CreditAggie
Senior Contributor

Re: ACT (Apple Cart Trick) Apple Card with derogs

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. 

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 5 of 6
Papa_Bear
Regular Contributor

Re: ACT (Apple Cart Trick) Apple Card with derogs

Congratulations!






Message 6 of 6
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