Apple Card Shopping Cart Trick Fail

[BronzeTrader]

I followed the "trick" to apply for Apple card at Apple Store.  Approved instantly.  But got credit alert from TransUnion.  Not very happy about that.  I thought there won't any hard pull or credit impact.

Will wait to see if the new account shows up too.  This is not what I expected.  Do not really need the Apple card.  Fancy, but won't put much spending on it.

[Anonymous]

It is a SP to see your terms and CL. It becomes a HP if you accept the terms and open the account.

[Anonymous]

Yup, they did a HP on me too for this card at TU. I need to get used to the card. Since it does not have an account number on the card itself.

Thanks

Mark

[SoCalGardener]

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@Anonymous wrote:

It is a SP to see your terms and CL. It becomes a HP if you accept the terms and open the account.

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Is that specific to Apple, or the SCT in general? It's been several years since I used the SCT, but as I recall its biggest selling point was no hard pulls. I used it for.... four(?) of the cards I still have now, and none resulted in a hard pull. Apple wasn't one of them, though.

[dragontears]

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@SoCalGardener wrote:

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@Anonymous wrote:

It is a SP to see your terms and CL. It becomes a HP if you accept the terms and open the account.

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Is that specific to Apple, or the SCT in general? It's been several years since I used the SCT, but as I recall its biggest selling point was no hard pulls. I used it for.... four(?) of the cards I still have now, and none resulted in a hard pull. Apple wasn't one of them, though.

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Different banks. 

The original "SCT" was with Comenity and could result in a SP approval 

The apple "SCT" is more to get the preapproval to show up and/or have a higher SL. In every case I have read about it results in a HP when you accept. 

Really unfortunate that it has been labeled as a "SCT" on this forum as it causes confusion for people familiar with Comenity's SCT. 

[Anonymous]

As others have mentioned, the initial application for approval is a SP, but once you accept the offer it performs the hard pull. I recently was approved for the Apple Card and just received it in the mail. It's the nicest looking card in my wallet, but SL was much lower than I had hoped for.

[coldfusion]

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@SoCalGardener wrote:

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@Anonymous wrote:

It is a SP to see your terms and CL. It becomes a HP if you accept the terms and open the account.

---

Is that specific to Apple, or the SCT in general? It's been several years since I used the SCT, but as I recall its biggest selling point was no hard pulls. I used it for.... four(?) of the cards I still have now, and none resulted in a hard pull. Apple wasn't one of them, though.

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The Apple trick is independent of the SCT.

To add to the confusion, over the last 2.5 years or so the SCT has itself become a no longer reliable means of approvals via just a soft pull.  Quite a few members here found themselves the recipient of an unpleasant surprise when an application triggered a HP.   There are a couple of longish threads on the site that had data points as to which cards still were available via SP and those which were more likely to trigger a hard pull. 

[SoCalGardener]

Thanks @dragontears and @coldfusion for clearing that up! You're both right on target. Every time I see "Apple card" and "shopping cart trick" mentioned together, I'm actually thinking about the Comenity SCT. Hence the confusion!

Maybe some other term could be used for Apple to differentiate it from the 'real' SCT.

[coldfusion]

There was a thread at one point where someone suggested "ACT" but I guess it didn't catch on.

[SoCalGardener]

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@coldfusion wrote:

There was a thread at one point where someone suggested "ACT" but I guess it didn't catch on.

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Must have been while I was gone. Pity it didn't catch on! It sure would clear up the confusion.