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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 also just got the invite, applied and was denied. DP’s:
Transunion Pull 730 (I’m thinking this score must be FICO 9). My FICO 8 was just updated and is at 705 as of 8/8. My FICO 9 was at 725 on 7/15. My VS is 718.
Reason for denial “Recent past due” - this I agree with. My app was a long shot, I just paid my final CO with AMEX in May, so I expected a denial but tried anyway with the SP. 😆
Income - $210K.
TU Inq - 6 (4 from an Auto Loan in Oct. of ‘18)
UTI - 1%
Outside of CO accounts last late was 1 yr 8 mo ago on an Auto Loan.
As I stated, I didn’t expect to be approved, but had also seen some approvals that surprised me, so figured I’d give it a go.

Thank you 🍎 for letting me fill out your app. Lol
Rebuilding Since 2016
6/5/2019 - Fico 8 Scores - EQ 672 TU 683 EX 674
6/15/2019 - FICO 8 Scores - EQ 682 TU 698 EX 690
8/10/2019 - FICO 8 Scores - EQ 706 TU 705 EQ 689
Message 51 of 122
Established Contributor

Re: FINALLY GOT THE INVITE FOR THE APPLE CARD!

Thanks for the data points. I took the auto shotgun myself back in May so I feel your pain.

I just returned from financial hell. Don't go, the brochure is a lie.
Message 52 of 122
New Visitor

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

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.

Message 53 of 122
Established Contributor

Re: FINALLY GOT THE INVITE FOR THE APPLE CARD!

Sorry for the denial. Just pay down your balances down to 8.9% then re-app.

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 4 EQ 3 TU 1
AAoA 5y2m
UTIL 1% - 3%

$180K+ Total Limits







New cc TLs 1/12(11 month old) & 3/24
Message 54 of 122
Contributor

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

Welcome TeeShot!
Sorry about your denial.

I recently applied as well and like a few post here, I was given the same reason, “Due to recently past due account.” I filed BK7 in 2014, and I have zero past due or late payments since my Bk7. Nearly five years of perfect payments. I have called Apple and spoke with a CSR with Goldman Sachs. I tried to gather some information and inquired if I could speak to a representative in their underwriting department.

Unfortunately, he said this is not an option, however he would open a file and pass it to another department to look into my application (Uderwriting department 🤞🏽). I’m not holding my breathe on this one. I was given several numbers to call. Apparently, Goldman Sachs uses four different agencies to evaluate a profile.
Sage stream 888 395 0227
Factor trust 844 773 3321
TU
Equifax

Time will tell, at this point. If I get anywhere with, I will update this thread. Good luck all!

DPs
TU is 683 per letter
Equifax 688 per WF Propel FICO 9 8/6/19
10 inquiries
10% UTI
Perfect history since BK7
$114k income

Just pulled my Equifax 711 and like I said no lates, however it does show collection on three account but they show closed remark BK7.... 🤔 don’t think that could be it?
Message 55 of 122
Regular Contributor

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

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. 

Message 56 of 122
Regular Contributor

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


@TeeShot 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.






$2500 SL Barclay Apple Rewards Visa | $4500 CapitalOne Platinum | $1400 Merrick DoubleYourLine
Goals: Remove charged off Navient from EX & EQ; improve EX score; get travel reward cards; maintain util less than 10%, down from from 20%
Message 57 of 122
New Contributor

Apple Card - Denied

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. 

Message 58 of 122
New Member

Re: Apple Card Application Denied

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. Smiley Happy

 

 

Message 59 of 122
Community Leader
Senior Contributor

Re: Apple Card Application Denied

They also use CoreLogic and Chex Systems FYI ....

 

Message 60 of 122
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