Apple Card Denial - To Many Inquiries

[Anonymous]

Kind of disheartening but not a mystery.  Guess I need to sit back and let things age off..

Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because:

• You have made too many recent applications for credit - these have resulted in hard inquiries on your credit file

Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions.

Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score as of October 3, 2020: 708

Scores range from a low of 300 to a high of 850.

[Ficoproblems247]

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@Anonymous wrote:

Kind of disheartening but not a mystery.  Guess I need to sit back and let things age off..

Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because:

• You have made too many recent applications for credit - these have resulted in hard inquiries on your credit file

Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions.

Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score as of October 3, 2020: 708

Scores range from a low of 300 to a high of 850.

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For the sake of DPs, how many INQs do you have on TU? 

[rostrow416]

Got the same message a month ago.  It was only a soft pull so no biggie.

At least you get a free TU9 score in the decline.

[Anonymous]

Sorry for the denial. But like you said just let things age a bit. 

[Loquat]

That sucks OP. Seems like the Apple Card is so hit or miss for some. I thought about it for a moment when it was announced and later decided against it as I'd never use it anyway.

[Anonymous]

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@Ficoproblems247 wrote:

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For the sake of DPs, how many INQs do you have on TU? 

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24 in the last 12 months

[blindambition]

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@Anonymous wrote:

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@Ficoproblems247 wrote:

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For the sake of DPs, how many INQs do you have on TU? 

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24 in the last 12 months

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I'm sorry for the denial, but 24 inq will produce a definite denial from GS. Hopefully some of those related to car/home, and large blocks drop together.

[Anonymous]

24 inquires is not too many to be denied for the Apple Card. I have 39 on my TU from auto financing, loans and cards. They denied my with a score of 660 and a credit utilization of 15% but approved me when my score dropped to 624 with a utilization of 45%. With this information, honestly there is no telling what you could do or not do to get approved. Just keep trying if you want the card. It's a SP anyway.