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

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Regular 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 122
Contributor

FINALLY GOT THE INVITE FOR THE APPLE CARD!

...declined.

lmao
Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (07/29/2019): EXP: 675; TU: 691; EQ: 687

Target Red - $800
Discover It Cash Back - $1000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $1000
Message 32 of 122
Established Contributor

Re: FINALLY GOT THE INVITE FOR THE APPLE CARD!

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

I just returned from financial hell. Don't go, the brochure is a lie.
Message 33 of 122
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%

Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (07/29/2019): EXP: 675; TU: 691; EQ: 687

Target Red - $800
Discover It Cash Back - $1000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $1000
Message 34 of 122
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:     
081719:     

A regretful expert. I have repaired before, I will repair again. My current goal is 670 FICO08 across the board by November 2019.
Message 35 of 122
Community Leader
Super Contributor

Re: Apple Card Decline, as expected!

SorrySmiley Sad Sometimes the ball bounces and hits us in the faceSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 36 of 122
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:     
081719:     

A regretful expert. I have repaired before, I will repair again. My current goal is 670 FICO08 across the board by November 2019.
Message 37 of 122
Frequent Contributor

Re: Apple Card Decline, as expected!

Sorry about the denial, but thanks for the DPs
Message 38 of 122
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.

Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (07/29/2019): EXP: 675; TU: 691; EQ: 687

Target Red - $800
Discover It Cash Back - $1000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $1000
Message 39 of 122
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. 

Message 40 of 122
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