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Approved for Apple Card and Turned It Down

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Re: Rejoicing! Approved for Apple Card and Turned It Down

I applied for the Apple Card and was approved with a 10k limit and 12.99 APR. I also declined that offer since the limit was not worth the hard pull. Transunion score of 815; Experien score is 830. 

 

Gardening 17+ months! 

Message 21 of 158
Community Leader
Super Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@ccmaster wrote:

I applied for the Apple Card and was approved with a 10k limit and 12.99 APR. I also declined that offer since the limit was not worth the hard pull. Transunion score of 815; Experien score is 830. 

 

Gardening 17+ months! 


WooHoo. I’m not alone in my mission. Kudos to you!

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 22 of 158
Super Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@CreditInspired wrote:

I feel really good. I'm as tickled as the beautiful colors emanating from Apple/GS logo.

 

So finally, the Apple card populated in my wallet; and no, I did not get an email. I just checked my wallet and it was there.

 

I had already noted in an earlier post that I wanted to see a SL of at least $20K in order to temp me. (Honestly, I purposely put the SL high because I really do want to stay in the garden until April 2020.)

 

Well I did It! I clickied "No Thanks" to the SL of $7.5K. Now what surprised me was the 12.99% APR offered because so many others had been getting an APR of 17.99 - 23.99% with high scores. My score--790.

 

I did it! I stuck to my guns. I turned a CC down cold. It's a darn good feeling to reject a CC approval.

 

EDIT: Finally got the photo to upload.

 

Apple4.png



@CreditInspired wrote:

I feel really good. I'm as tickled as the beautiful colors emanating from Apple/GS logo.

 

So finally, the Apple card populated in my wallet; and no, I did not get an email. I just checked my wallet and it was there.

 

I had already noted in an earlier post that I wanted to see a SL of at least $20K in order to temp me. (Honestly, I purposely put the SL high because I really do want to stay in the garden until April 2020.)

 

Well I did It! I clickied "No Thanks" to the SL of $7.5K. Now what surprised me was the 12.99% APR offered because so many others had been getting an APR of 17.99 - 23.99% with high scores. My score--790.

 

I did it! I stuck to my guns. I turned a CC down cold. It's a darn good feeling to reject a CC approval.

 

EDIT: Finally got the photo to upload.

 

Apple4.png


Message 23 of 158
Valued Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down

Congrats on that approval! Can you send me your invite maybe I can re-use it? Smiley Happy

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

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

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 24 of 158
Community Leader
Super Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@JR_TX wrote:

Congrats on that approval! Can you send me your invite maybe I can re-use it? Smiley Happy


😂🤣😆

 

Thank you. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 25 of 158
Highlighted
Super Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@M_Smart007 wrote:

@CreditInspired wrote:

I feel really good. I'm as tickled as the beautiful colors emanating from Apple/GS logo.

 

So finally, the Apple card populated in my wallet; and no, I did not get an email. I just checked my wallet and it was there.

 

I had already noted in an earlier post that I wanted to see a SL of at least $20K in order to temp me. (Honestly, I purposely put the SL high because I really do want to stay in the garden until April 2020.)

 

Well I did It! I clickied "No Thanks" to the SL of $7.5K. Now what surprised me was the 12.99% APR offered because so many others had been getting an APR of 17.99 - 23.99% with high scores. My score--790.

 

I did it! I stuck to my guns. I turned a CC down cold. It's a darn good feeling to reject a CC approval.

 

EDIT: Finally got the photo to upload.

 

Apple4.png



@CreditInspired wrote:

I feel really good. I'm as tickled as the beautiful colors emanating from Apple/GS logo.

 

So finally, the Apple card populated in my wallet; and no, I did not get an email. I just checked my wallet and it was there.

 

I had already noted in an earlier post that I wanted to see a SL of at least $20K in order to temp me. (Honestly, I purposely put the SL high because I really do want to stay in the garden until April 2020.)

 

Well I did It! I clickied "No Thanks" to the SL of $7.5K. Now what surprised me was the 12.99% APR offered because so many others had been getting an APR of 17.99 - 23.99% with high scores. My score--790.

 

I did it! I stuck to my guns. I turned a CC down cold. It's a darn good feeling to reject a CC approval.

 

EDIT: Finally got the photo to upload.

 

Apple4.png



Smiley Surprised

 

Ooooo you used Leo!

 

I am telling @VoltronM!

 

smiley-laughing021.gif



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 26 of 158
Frequent Contributor

Another case of turning down Apple.

Got the invite to apply for the apple card just now. Had no intention of actually applying for it, but decided to see what I would have been approved for. I am a fanboy of my iPhone and iPad. Card just doesn’t fit my needs. The only reason I thought of going through with the app was to add a MC to my portfolio, but i will do that next year when i app for citi dc ( can get the 2% back on insurance  which i wouldn’t get on the Apple card) plus i just got the wf propel last week, and want to be cautious just in case of an aa. Don’t care about the apr since I always pif.

 

A9F3604F-D57B-45C9-B6C0-9AFA3462FFDC.jpeg

Message 27 of 158
Frequent Contributor

Re: Another case of turning down Apple.

Did you have to put the last 4 of your social to generate an offer or it was automatically shown when you clicked on the apple card in the wallet?
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 620 TU8: 645 EX8:640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 6MONTHS AAOA: 2YR 6MONTHS
Inquiries in 12 months: EQ: 1 TU: 1 EX: 1
CLOSED: Self Lender 12Month CD: June 20th 19’


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17%
Message 28 of 158
Frequent Contributor

Re: Another case of turning down Apple.


@CivalV wrote:
Did you have to put the last 4 of your social to generate an offer or it was automatically shown when you clicked on the apple card in the wallet?

Had to enter the last 4 of my ss#.

Message 29 of 158
Frequent Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@AverageJoesCredit wrote:
Nice going! Any rejection of an Apple product is a win for the little guys in my bookSmiley Wink I wont take any approvsl unless its $500, my new mottoSmiley Happy

 

LoLSmiley LOLHeart


 



Message 30 of 158
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