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Thanks for the data points. I took the auto shotgun myself back in May so I feel your pain.
Declined for "recent past due". Score showed as 736. Copy of my TU report dated today shows ZERO past due on any account for the entire history of the report. Chap 13 BK filed in Jan 2012 due to come off report 12/19. But again, ZERO past dues on the entire report for any account. And no, you don't have to have past dues to file BK.
Sorry for the denial. Just pay down your balances down to 8.9% then re-app.
I applied for Apple credit a couple of weeks ago and I believe it was still through Barclays. I was also denied due to being "recently past due." I don't have any baddies, currently have a barclays card without any lates (3-4 year old card), and my score is 680 because I have higher utilization on a few cards. I was sent a letter saying that credit bureaus weren't pulled. I'm confused, but didn't care much so I didn't bother looking into it. I'll try calling tomorrow to find out more info and I'll update.
@Anonymous wrote:Declined for "recent past due". Score showed as 736. Copy of my TU report dated today shows ZERO past due on any account for the entire history of the report. Chap 13 BK filed in Jan 2012 due to come off report 12/19. But again, ZERO past dues on the entire report for any account. And no, you don't have to have past dues to file BK.
If you try again this December after the BK falls off, let us know.
Update:
After I spoke with supervisor, they escalated my request for them to look into this. I got a reply and called back and submitted my feedback, requesting them to be more clear in the rejections. Speaking of lates, I never had any late payments leading up to BK. All my accounts show on time, always, until BK7 filed, all accounts turned into IIB. I've never let any accounts go unpaid, only my student loans, which is already excluded from my CR.
Here's the two same replies I got:
Your correspondence regarding your Apple Card account was received. Although this matter is in regards to your Apple Card account, it is being handled by Goldman Sachs Bank USA, who is the issuer of Apple Card.
We apologize we were not able to approve your application at this time. When you decide to apply, we verify your current credit history, outstanding debt, and credit score. Based on your current credit information, as well as additional information you provided, we confirm your creditworthiness, assess your ability to repay, and then determine your eligibility for an account.
Please accept our sincere apologies for any inconvenience you may have experienced.
If you have any further questions, please reach out to an Apple Card Specialist.
Applied for the Apple card and was denied due to too many recent late payments. I haven't been late on anything over two years. I'm not sweating it though. I just wanted that adamantium in my wallet lol. No real use for it at the moment.
DPs for those interested:
702 Exp
700 TU
700 EQ
6% Utilization, 100k income.
I'll just continue to live through everyone else lol.
I tried for the new apple card today.
Scanned my id, entered last (4) of my SSN, DOB, etc.
Came back as Not approved due to insufficient credit history, which i know is not correct.
I think they are trying to be as polite as possible when they deny applications.
Says they pulled Transunion. Must have been a soft pull, since my credit monitoring service reported no hard pulls.
Guess ill stay in the garden for a while, hopefully in 1-2 years ill be able to get one.
They also use CoreLogic and Chex Systems FYI ....