Apple card sct

[razzy116]

I went to the apple website and did the sct and got denied, what did i do wrong? Thank you.

[coldfusion]

At a macroscopic level, you did not heed good advice freely given.   Instead of applying for that card you should have waited at least another 6 months before applying for anything. 

It's never to late to start, don't apply for anything at least until late next spring.

[Anonymous]

I only learned about their "SCT" recently, but I've never known any SCT to be an instant approval. Typically the SCT starts with an SP, then an HP when you've accepted the offer. Any DPs you're willing to share might help shed some light.

[Anonymous]

What did you do wrong?  Bluntly, you applied. 

The Apple Card issued by Goldman Sachs is not in the same league as the cards you got from GameStop or QVC. While I'm not sure the bar for the Apple Card is incredibly high, the GameStop and QVC cards through Comenity ans Sync, respectively, will allow a trivial low limit to nearly anyone with a pulse. They should be seen as no victory or sign that you should really apply for anything else. 

As I mentioned in another reply (that I'm not sure you ever see since you offer no additional commentary), you seem passionate about the credit world. You need to take some time to learn though and harness this passion into something productive. It's not all about just applying for every card you read about on these forums. 

Good luck. 

[Jnbmom]

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@Anonymous wrote:

What did you do wrong?  Bluntly, you applied. 

The Apple Card issued by Goldman Sachs is not in the same league as the cards you got from GameStop or QVC. While I'm not sure the bar for the Apple Card is incredibly high, the GameStop and QVC cards through Comenity ans Sync, respectively, will allow a trivial low limit to nearly anyone with a pulse. They should be seen as no victory or sign that you should really apply for anything else. 

As I mentioned in another reply (that I'm not sure you ever see since you offer no additional commentary), you seem passionate about the credit world. You need to take some time to learn though and harness this passion into something productive. It's not all about just applying for every card you read about on these forums. 

Good luck. 

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+1

Excellent advice

[AverageJoesCredit]

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@razzy116 wrote:

I went to the apple website and did the sct and got denied, what did i do wrong? Thank you.

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You tried getting a trick when Halloween is over. No more candy for you until next October

[joltdude]

Dear @razzy116 

You skipped past the Garden and instead decided to app when others have suggested to cool down and take a breather... 

And any sort of trick is never a sure thing, as youve found out......

(BTW The Garden is a lovely place where folks have coffee chat, and a good time... )

https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-November-2020/td-p/6174802

Please, I implore you to sit back and let time heal some wounds while working on some baddies if they still exist... You are going to keep getting the same outcome if you dont change your tactics.... 

Another trick is when you start getting denials or lower CLs, that usually is a sign to STOP APPING .... regroup, and let some time pass...

https://www.youtube.com/watch?v=Z_vvex_mfik

https://www.youtube.com/watch?v=W9ZD3_ppcPE

Also do you know if you app for too many Sync and/or Comenty cards they sometimes will Adverse Action and close them all, regardless of payment history and such.... The legendary blue envelopes.... 

https://ficoforums.myfico.com/t5/Credit-Cards/Synchrony-closed-all-accounts/td-p/6064860

You need to Age your accounts, you need to let your HPs fall off, and you need some time for new account dings (if you didnt get an HP) to wear off.... and don't forget you don't have the best credit and we are still in a pandemic.... Banks have tightened the purse strings and moved the goalposts... Its HARDER to get credit for most folks... What used to be good enough is NOT... 

But we cant help people who do not want to help themselves....not even attempting to search for previous mentions of their situation, along with not really giving the large picture and vague answers as to what happened/whats happening with their credit...

Its like telling someone not to do something to harm themselves but they go and do it anyway.....

We try to give you advice because we want you to succeed at improving and obtaining credit... but it is useless if you dont give feedback and listen to it... 

Many folks have tried to give you good advice, leave you subtle and less subtle hints, in the hopes that youd pick up on what you need to do...  in vain so it seems... Still not too late to take their advice !

Trying to be friendly, respectful, and supportive.

-J

[joltdude]

 @Anonymous 

 Folks are starting to realize that Apple has something similar to the more well known SCT on store cards....

Its not quite the same.... 

Thing with apple approvals is you can decline them or accept them before a HP...

-J

[rostrow416]

The Apple card SCT isn't meant to get an approval when they would deny you anyway.  It may help borderline profiles or it may help get a higher starting limit.  

It's best to wait 3-6 months before trying again.

[JR_TX]

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@AverageJoesCredit wrote:

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@razzy116 wrote:

I went to the apple website and did the sct and got denied, what did i do wrong? Thank you.

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You tried getting a trick when Halloween is over. No more candy for you until next October

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LMFAO 😂😅😂