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Apple Rewards

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Anonymous
Not applicable

Apple Rewards

Denied.

For the third.. Or Fourth time. Why can't I get this card. I don't think my scores are a problem. Too many inquiries maybe?

I need to finance an apple product. Super upset about this denial.
Message 1 of 15
14 REPLIES 14
krisssmmm
Regular Contributor

Re: Apple Rewards

Did you call to recon?
Message 2 of 15
Anonymous
Not applicable

Re: Apple Rewards

Try PayPal credit. I was declined Apple rewards too but was approved for PayPal credit few days ago. Apple Rewards card has way too high APR.
Message 3 of 15
MyLoFICO
Valued Contributor

Re: Apple Rewards

My score was a 700 when I got mine and I had 24 inquiries. I don't think its that. But, call an recon. The problem you will run into is the reps don't know why or even if the Apple rewards is easier to get. I can't get approved for any Barclay card but I got the Apple one. $2k Limit. 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 4 of 15
ALLgoodABQ
Contributor

Re: Apple Rewards

Which credit report does the Apple Barclay pull?

Message 5 of 15
MyLoFICO
Valued Contributor

Re: Apple Rewards

For me it was TU


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 6 of 15
KSK1912
Valued Contributor

Re: Apple Rewards

They almost always pull TU for application, but one time they played a smart game on me, and when i asked for cli, they pulled EX, and ofcourse it was a no go Smiley Happy TU had only 3 inq's vs EX had probably about 15 and mostly within the last 12 months, and lower score. 


6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board


Take the myFICO Fitness Challenge


Are you free Tuesday..?
Message 7 of 15
ALLgoodABQ
Contributor

Re: Apple Rewards

Kind of in the same boat, but the opposite. My equifax is higher than my trans. I need a new computer and was thinking about applying.
Message 8 of 15
Pway
Valued Contributor

Re: Apple Rewards

I have given up on this card.  I wanted to finance an Apple computer and each time I am denied for their card.  I have the Rewards MC, but I just gave up and went with Dell Finance.  I thought as well that this was an easy card to get.  My scores are much higher than when I got approved for their Rewards MC.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 9 of 15
Anonymous
Not applicable

Re: Apple Rewards

I received my denial letter in the mail today and it states that the reason for my denial is too many recent apps. And that they didn't pull a credit bureau.

I haven't given up hope. I'll probably try back next year
Message 10 of 15
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