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Apple credit card

razzy116
Frequent Contributor

Apple credit card

I"m looking to get the apple credit card, what does Goldman Saks look at to get approved for the apple card? My scores are Ex 667, Tu 645, Eq 652. Thank you and be safe.

Starting Score: 663
Current Score: c669
Goal Score: 800


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Message 1 of 24
23 REPLIES 23
cashorcharge
Valued Contributor

Re: Apple credit card

The application is a SP with TU. 
You can see the approval and predicted SL/APR prior to accepting the card so that helps.  Many have posted your income will be a critical factor to how far your CL will go. 

Message 2 of 24
blindambition
Community Leader
Senior Contributor

Re: Apple credit card

As @cashorcharge stated, an SP check on app.

GS uses TU FICO 9. They seem to be adverse to any recent delinquencies, recent BK. They also don't like high utilization on multiple cards. Just some patterns I've noticed with them over past year.

Message 3 of 24
Meanmchine
Super Contributor

Re: Apple credit card

You also need an Apple account ( iPhone or iPad  )

Good luck


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 4 of 24
razzy116
Frequent Contributor

Apple card

Does goldman Sachs pull a recent credit report for the apple card? Just getting an idea when i do the preapproval. Thank you and be safe.

Starting Score: 663
Current Score: c669
Goal Score: 800


Take the myFICO Fitness Challenge
Message 5 of 24
blindambition
Community Leader
Senior Contributor

Re: Apple card

They will SP pull TU FICO 9. Yes, it's a recent report. An HP if you accept.

Message 6 of 24
Aim_High
Senior Contributor

Re: Apple card


@blindambition wrote:

They will SP pull TU FICO 9.

Yes, it's a recent report.

An HP if you accept.


+1 ^ ^ ^ 

The SP approval is a cool feature. 

You'll get a firm starting limit and APR.

Then, the HP if you accept. 

I wish all cards operated this way!

 

My preapproval screen looked like this:

 

Apple_Card_20190822_01.png



Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 28 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 7 of 24
JAG73
Moderator Emerita

Re: Apple card

@razzy116 
I merged both of your Apple Card threads together. If you have any new questions concerning the Apple Card, please ask here. This will ensure all your answers are in one thread and easy for you to access. 

Got some pruning to do... No more new cards!
Message 8 of 24
growthadvocate
Contributor

Re: Apple credit card

The SP with stated APR and SL is about the only thing that I've enjoyed about my experience with this card.  In my opinion, as a big apple fan, apple picked the wrong partner in GS.  I could list a number of reasons why they don't have it together yet.  It's been a year now, but they still have yet to make the type of progress you would expect from a financial institution of their size.  It's GS's first credit card product, and it shows.  In hindsight, I wouldn't have accepted the card.  Good luck to you either way! 

Message 9 of 24
Chandler455
Established Contributor

Re: Apple credit card

I can't even apply for it, every time I do it asks for scan of my ID and then within 10 minutes comes back with can not verify identity everything matches my I'd I do have safe stream frozen tho

Personal
NFCU platinum 18k | Best Buy visa 10k | NFCU Flagship 8k | discover it 4.7k | kohls 3k | target 800

Business
Hilton Amex 15k | Costco visa 10k | Amex Amazon prime 9k

Ficos TU 831 EQ 805 EX 814
Message 10 of 24
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