I REALLY want an Apple card because I spend a lot of money at Apple! Whenever I have applied for the Apple Card every time I am denied for recently being past due. Does anyone happen to have any idea what Goldman Sachs considers recently past due? I have a 30 day late missed payment, on my wife's Capital One card that I'm an authorized user on, from May 2017. That's the only late payment on my report. I'm wondering will I have to wait for this late payment to fall off in May 2024 before I can get an Apple card? I wish they would look at my total history! I have a 14 year mortgage with perfect payment history and also I currently have 12 cards, 11 of which have 100% payment history. The only with a missed/late payment is the Capital One Quicksilver, it has 1 infraction which occured 3 years ago!
Since I began trying to get an Apple card in August 2019 I've gotten approvals for a WF Propel card (Dec 2019), NFCU More Rewards (Feb 2020), Chase FU (Feb 2020), Amex BCP (April 2020) and a Discover It (June 2020). Ironically every time I've applied for an Apple card and have gotten denied I went and applied for a different card and was approved (Wells Fargo is the only bank I had a previous relationship with). Still Goldman Sachs won't give me a chance! I wish they'd at least give me a small limit and let me prove myself to them! Sigh!
I don't think you need to have it drop off. I have a 30 late 5.5 yrs ago and was approved just recently for the Apple Card. Just wanted to throw that out there
@Rogue46 wrote:I don't think you need to have it drop off. I have a 30 late 5.5 yrs ago and was approved just recently for the Apple Card. Just wanted to throw that out there
Oh ok! Thank you for letting me know! That's good to know! Hopefully I can get approved then at some point before 7 years pass by too!
I'm not sure if that was sarcasm? I was just sharing my experience relating to your question "When does Goldman Sachs consider recently late?"
@Anonymous wrote:I have a late past due from 6 years ago on an account on TransUnion which they pulled and still got approved 😕
I'm double checking it sounds like you got approved but you put a sad face. It's good you got approved. Congratulations!!'
I guess I just need even more time. To me my 3 years isn't recent but that's probably just my bias since I really want the card. 🙈 I figured if other lenders were willing to give me a shot like Chase and American Express then why not Goldman Sachs?😔
@Rogue46 wrote:I'm not sure if that was sarcasm? I was just sharing my experience relating to your question "When does Goldman Sachs consider recently late?"
Hey sorry for the misunderstanding! I wasn't intending to come off sarcastic. I was genuinely meaning that hopefully I can get the card before my late charge falls off my report like you did. I have wanted this card badly since I first learned about it during their keynote presentation. Sorry if I didn't word it correctly or offended you. I appreciate your comment/ help!
@Remedios wrote:They have approved plenty of people with serious derogs on CR.
In a nutshell, you applying for "something new" after each denial is probably why they are not approving you.
You have too many new accounts, garden instead of revenge apps.
Ok. Thank you for your feedback! Now I could definitely understand that for the times I applied after February. But between August 2019 and February 2020 I applied a few times for the Apple Card and got denied. My most recent account before December 2019 was from July 2013 / 6 plus years. In December 2019 I added the WF Propel card after getting denied again by GS but still I had not had any new cards before that in over 6 years. I had 4 cards before getting the Propel (3 were 12+ years old and one was 6+ years old).
I wish the reason GS gave for denial would've been something that matched my current profile so that I would at least be able to address the issue. I reached out to Goldman Sachs for clarification on their policy as far as what is considered "too recent" concerning me being recently past due and they told me to contact TransUnion. I reached out to TransUnion who of course didn't see anything other than the Capital One late payment from May 2017. The rep said that they wouldn't consider that recent but of course their opinion doesn't change GS' decision.
I also reached out to Capital One and they weren't able to do anything about removing it. So I guess my only choices were to wait more time and keep checking back or move on to other lenders which is what I did. Now though like you said I need to Garden. That just wasn't the case when I started trying to get the Apple Card. It's just disappointing since it's a card that would really benefit my consumer habits.