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

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Established Member

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

Interesting...I wonder what GS' algorithm is like for approving people...

 

I was also denied, but only because they couldn't verify my identity from my driver's license for some reason. I have 3 lates from a little over 2 years ago, but the lack of identity verification was the only reason that they denied me, apparently.

 

Oh well, NBD; wasn't planning on accepting it. Only applied for it for the adrenaline rush Smiley LOL

Current Cards:
Goal Cards:


Message 191 of 198
Established Member

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

They denied me today. Pulled a report for oct 3rd. Called they wouldn’t do anything. I have a great tu. Ridiculous
EQ 699| EX720| TU740| Navy federal 25,000 | Dillard’s 600| Bob’s store 2,100|Macy’s 700| target 700| Amex delta gold 1000 |cap one silver & one 5000
officially gardening until 2021

Message 192 of 198
Regular Contributor

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

Wow I'm really sorry to hear that. :-(
Message 193 of 198
Valued Member

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

Well I’m my case I got denied having my fico as of today
Exp 745
Eqfx 742
Trans 750
Under 10% credit utilization
100% payment history
Over $110,000 in available credit
Filed join with wife BK chapt 7 over 8y
So some can tell me why I got denied and my wife was approved she carry her own mejor credit cards and my credit is a bit better then hers
Smh
Message 194 of 198
Moderator

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


@Waterman67 wrote:
Well I’m my case I got denied having my fico as of today
Exp 745
Eqfx 742
Trans 750
Under 10% credit utilization
100% payment history
Over $110,000 in available credit
Filed join with wife BK chapt 7 over 8y
So some can tell me why I got denied and my wife was approved she carry her own mejor credit cards and my credit is a bit better then hers
Smh

There should have been some communication sent to you regarding the reason(s) for the decline.   Unfortunately, we can only speculate on some of the reasons, but ultimately there isn't sufficient information to go by based on what you have provided.   That said, even two BK profiles regardless of apparent similarities, are not alike.  So, evidently it appears your wife's profile had sufficient attributes that yielded the approval. 

Message 195 of 198
Valued Member

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

this is their explanation My debt is too high relative to my income For example loans and credit cards, actually have 2 active loans
Total $12,000
Credit cards 7,000
Mortgage 2,100
Income 96000
My wife is almost the same, personally dont see the reason why I got denied so now you have a better picture
Message 196 of 198
Moderator

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


@Waterman67 wrote:
this is their explanation My debt is too high relative to my income For example loans and credit cards, actually have 2 active loans
Total $12,000
Credit cards 7,000
Mortgage 2,100
Income 96000
My wife is almost the same, personally dont see the reason why I got denied so now you have a better picture

Thanks for sharing the reason(s).  Since it would be nearly impossible to decipher what their algorithms picked up that's different from your wife's profile, it's anyone's guess what other factors influenced their decision for your denial.

Message 197 of 198
Valued Member

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

Thank you
Message 198 of 198
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