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Apple Card denied - DPs

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Frequent Contributor

Re: Apple Card denied - due to "recently been past due"

I have received the same reasoning and have no recent past due account or charge-offs. I called TU already and they said I do not have anything past due recently. The only thing that's past due is an old student loan from 2014 with a (30) day late before it was transferred to Nelnet. I'm not too upset seeing I have NFCU and AMEX cards with high limits but it's funny seeing people get approved on reddit with low 600 and limited credit history lol.
Message 31 of 251
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Regular Contributor

FINALLY GOT THE INVITE FOR THE APPLE CARD!

...declined.

lmao
Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 32 of 251
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Valued Contributor

Re: FINALLY GOT THE INVITE FOR THE APPLE CARD!

What’s on your TU report? Lates, charge off’s, collections, bankruptcy?

Message 33 of 251
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Regular Contributor

Re: FINALLY GOT THE INVITE FOR THE APPLE CARD!

Sorry, I was really drunk and super excited for the application and extremely disappointed when I posted this... hahah.

 

TU came up at a 687. No derogatory marks whatsoever. AAOC is 1.7 years. No charge offs, no collections, no BK. UTI is 49%

Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 34 of 251
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Established Contributor

Apple Card Decline, as expected!

Last evening I was able to apply in Wallet.  I fully expected a decline, and was almost going to wait until September for attempt number one, but went ahead ... for Science!

 

As we know, the score that  GS used is a Fico9 from TU. It is certainly not TU FICO8.  They pulled a 654 for me.  My TU FICO8 is 674. 

 

We also know they don't like past charge offs and recent delinquencies.  Those were my AA reason codes.  I need to look up the date but the (PAID) charge off is over 2 years old, and i do have my most recent late that at 5-6 months old.  

 

I might give it a whirl in September.  I expect another 10-15 points on TU next month, but have not been tracking non FICO8s yet during my rebuild.   If the FICO9 is still lagging so far behind, I may have to wait longer;  650 with bad guys obviously won't cut it! 

 

050719:     
080420:     

Message 35 of 251
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Community Leader
Mega Contributor

Re: Apple Card Decline, as expected!

SorrySmiley Sad Sometimes the ball bounces and hits us in the faceSmiley Wink
Message 36 of 251
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Established Contributor

Re: Apple Card Decline, as expected!


@AverageJoesCredit wrote:
SorrySmiley Sad Sometimes the ball bounces and hits us in the faceSmiley Wink

I saw it coming and jumped in its way!

 

(Seriously, the SP method these applications follow made it a no brainer to apply even though I expected rejection).

050719:     
080420:     

Message 37 of 251
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Valued Contributor

Re: Apple Card Decline, as expected!

Sorry about the denial, but thanks for the DPs
Message 38 of 251
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Regular Contributor

Re: FINALLY GOT THE INVITE FOR THE APPLE CARD!

Untitled.png
Here's the breakdown of my credit profile currently... the majority of those 54 inquiries are auto loans from essentially 4 different vehicles. The decline reasons listed too many inquiries and too many recent installment trade lines.

Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 39 of 251
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Valued Contributor

Re: FINALLY GOT THE INVITE FOR THE APPLE CARD!


@jordandhale95 wrote:

Untitled.png
Here's the breakdown of my credit profile currently... the majority of those 54 inquiries are auto loans from essentially 4 different vehicles. The decline reasons listed too many inquiries and too many recent installment trade lines.


You shoot for the moon with those inquiries like a rockstar!  I think that might be a contributing factor to the denial- but I could be wrong. 




"Your ego is writing checks your body can't cash".
Message 40 of 251
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