Apple Card

[pinkandgrey]

So you all know that I'm not ACTUALLY apping for this card, but every now and then I like to check the Wallet app just to see what GS is offering for Apple Card. When Apple Card first came out, it offered me $3,500 at 26.74 or something like that. It hasn't changed once. My score has gone up considerably and I haven't apped for anything in a year (WHOOOOHOOO) but I still can't get any better offer. 

It makes it easy to stay in the Garden though lol

why you hate me, apple

[AllZero]

Congratulations on your will power! Yup, that APR and SL makes it easy to decline their generous offer compared to what's in your wallet.

[CreditCuriosity]

Just a FYI each time you check your apple pre-qual on GS you are getting hit with a chexs inquiry although not a DDI inquiry an inquiry none the less and not sure how that plays out on the whole scheme of things.  last time i saw my chexs report i had several inquiries from GS on my checks reports which i found a bit odd.

[pinkandgrey]

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@CreditCuriosity wrote:

Just a FYI each time you check your apple pre-qual on GS you are getting hit with a chexs inquiry although not a DDI inquiry an inquiry none the less and not sure how that plays out on the whole scheme of things.  last time i saw my chexs report i had several inquiries from GS on my checks reports which i found a bit odd.

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@CreditCuriosity Interesting. Good to know. I don't check too often--maybe every six weeks or so.

[Anonymous]

My CL and APR hasn’t budged either with their offer. 

No no intention of opening a card with them as the card has no benefit to me but I was also curious. 

[Remedios]

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@pinkandgrey wrote:

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@CreditCuriosity wrote:

Just a FYI each time you check your apple pre-qual on GS you are getting hit with a chexs inquiry although not a DDI inquiry an inquiry none the less and not sure how that plays out on the whole scheme of things.  last time i saw my chexs report i had several inquiries from GS on my checks reports which i found a bit odd.

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@CreditCuriosity Interesting. Good to know. I don't check too often--maybe every six weeks or so.

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@pinkandgrey  If you've done it every six weeks since August, that's pretty bad for Chex. I'd request a Chexsystem report if I were you, especially if you're planning on opening any DDA accounts in the next year or two. 

More than 2-3 inquiries on Chex over the span of 1-2 years can cause major issues with some credit unions,  while others may not care.

[pinkandgrey]

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@Remedios wrote:

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@pinkandgrey wrote:

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@CreditCuriosity wrote:

Just a FYI each time you check your apple pre-qual on GS you are getting hit with a chexs inquiry although not a DDI inquiry an inquiry none the less and not sure how that plays out on the whole scheme of things.  last time i saw my chexs report i had several inquiries from GS on my checks reports which i found a bit odd.

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@CreditCuriosity Interesting. Good to know. I don't check too often--maybe every six weeks or so.

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@pinkandgrey  If you've done it every six weeks since August, that's pretty bad for Chex. I'd request a Chexsystem report if I were you, especially if you're planning on opening any DDA accounts in the next year or two. 

More than 2-3 inquiries on Chex over the span of 1-2 years can cause major issues with some credit unions,  while others may not care.

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I'm not planning on doing so any time soon. I will bear all this info in mind, though, and quit with the compulsive checking lol. I'm not too concerned about the Chex thing unless something bad were to happen....

[coldfusion]

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@Remedios wrote:

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@pinkandgrey wrote:

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@CreditCuriosity wrote:

Just a FYI each time you check your apple pre-qual on GS you are getting hit with a chexs inquiry although not a DDI inquiry an inquiry none the less and not sure how that plays out on the whole scheme of things.  last time i saw my chexs report i had several inquiries from GS on my checks reports which i found a bit odd.

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@CreditCuriosity Interesting. Good to know. I don't check too often--maybe every six weeks or so.

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@pinkandgrey  If you've done it every six weeks since August, that's pretty bad for Chex. I'd request a Chexsystem report if I were you, especially if you're planning on opening any DDA accounts in the next year or two. 

More than 2-3 inquiries on Chex over the span of 1-2 years can cause major issues with some credit unions,  while others may not care.

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I've never had a problem with a credit union.   Small banks though, different story.  Anywhere from side eye to No Soup For You.

[Ficoproblems247]

I've noticed that they pull my CoreLogic every time I app too. I can see it when I pull my full TU report as a supplemental section at the end.  Not sure if that's a big deal like Chex, as I'm not nearly as familiar with what the impact of inqs are on the smaller bureaus. 

[M_Smart007]

@pinkandgrey  "why you hate me, apple"

It is ok, because Disco, Amex and Citi You