@nuohlac wrote:Instant approval 4K SL and 15.99% APR
DP's
TU:752
UTI: 5%
AoYA: 8 months AAoA: 2yrs 10 months
Inq: 10/24
New accounts: 0/6 & 5/12
Income: $161K reported
While I am not over the moon about the SL I am very aware of the current financial climate and happy to see I was given a lower APR than I have seen on the forums. I also have no previous relationship with GS. I have 8K falling off my CR's within the next couple days. Should I wait and re-apply in 30 days hoping for a larger SL or recognize this is where we are in the world at the moment. This is on hold until I app for an Altitude Reserve when the above mentioned balance is reported paid.
@M_Smart007 wrote:
@nuohlac wrote:Instant approval 4K SL and 15.99% APR
DP's
TU:752
UTI: 5%
AoYA: 8 months AAoA: 2yrs 10 months
Inq: 10/24
New accounts: 0/6 & 5/12
Income: $161K reported
While I am not over the moon about the SL I am very aware of the current financial climate and happy to see I was given a lower APR than I have seen on the forums. I also have no previous relationship with GS. I have 8K falling off my CR's within the next couple days. Should I wait and re-apply in 30 days hoping for a larger SL or recognize this is where we are in the world at the moment. This is on hold until I app for an Altitude Reserve when the above mentioned balance is reported paid.
I think we both know it's a done deal. I'll get a shiny metal 🏆 out of this hunt that will look great in my sock drawer.
@AllZero wrote:
@nuohlac wrote:Should I wait and re-apply in 30 days hoping for a larger SL or recognize this is where we are in the world at the moment. This is on hold until I app for an Altitude Reserve when the above mentioned balance is reported paid.
I guess going for the AR first would be priority? Dress up your CR perhaps would yield better results too?
@CreditCuriosity wrote:Just a FYI each time you check your apple pre-qual on GS you are getting hit with a chexs inquiry although not a DDI inquiry an inquiry none the less and not sure how that plays out on the whole scheme of things. last time i saw my chexs report i had several inquiries from GS on my checks reports which i found a bit odd.
When I pulled my Chexs report and I got it in the mail, it did show the inquiries from Goldman Sachs for the apple card, but it was listed under a section that said that these inquries were not visible to other lenders that pulled my report. I'm sure I could find the exact wording, but it definitely said they were kind of like "soft" inquries.
