@Anonymous wrote:I don't need an Apple Card, although it would be nice to have one as my PayPal MasterCard doesn't support the wallet. I check in once a month or so to see if they'll have me, but for the past few months they've wanted a Driver's License.
Today was the first time they didn't ask for one (I don't have a US license) so I got my free Fico 9 score of 719! WooHoo! Along with my denial for too much credit seeking behaviour. (If they think I'm bad on TU, they should see my Experian!)
Man 42 inquiries! Are you butt applying? 
I have this tendancy to over-apply when they show me some love, and last fall after getting PC from Cap1 Plat to QS, PayPal Credit, PayPal Mastercard, Savor One and two more Amexes over a few months last fall I REALLY started applying in bulk. 
The Apple card is desirable to me for the main reason of my daily driver (the PayPal MC) not being usable in the Apple Wallet. Since I'm based in Canada, and I really hate "Chip and Signature" I'd like to replace the PayPal MC with another 2% no FTF MasterCard that works with Apple Wallet.
@Anonymous wrote: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 recently been past due
- You have recently experienced a charge off
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 March 7, 2020: 719
Scores range from a low of 300 to a high of 850.
Unfortunately due to any negatives, you'll see some denials. Your score is a way to sum things up in a general way. It is what's in your file, and how they have the algorithms setup to review applications.
I have been applying for a Citi Costco card for almost a year, my file gets better every time I apply. But they want 0 negatives at all before they will approve me.
@Mv350 wrote:
@Anonymous wrote: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 recently been past due
- You have recently experienced a charge off
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 March 7, 2020: 719
Scores range from a low of 300 to a high of 850.
Unfortunately due to any negatives, you'll see some denials. Your score is a way to sum things up in a general way. It is what's in your file, and how they have the algorithms setup to review applications.
I have been applying for a Citi Costco card for almost a year, my file gets better every time I apply. But they want 0 negatives at all before they will approve me.
Aw man Costco Card is my #1 goal card. I've been reading all old threads on them and I'm sure I've seen people approved with some baddies.
Do you have any Citi cards? I'm hoping since they approved me for their secured card I'll have a better chance when I'm done rebuilding.
So I was bored, and decided to see if Apple Card would accept me into their family (SP no worries). Was not going to accept, no matter what they offered. Alas, they didn't even give me a chance to get my foot in the door.
They told me my TU score is a: 715
Reason for rejection: "You have recently been past due"
This is most definitely not the case as I have not had anything past due.
DP: Cards on Sig.
1% Util of 96K Total Credit Line
1 HP on TU 10/2019
Wasn't going to take it, but hate to hear generic false reasons for rejection. At least if they would have stated my BK in 2014. But "recently past due?" Seriously?
That is unfortunate. Hope you get better results in the future!
