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Approved for Apple Card and Turned It Down

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Frequent Contributor

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

I just want to join in, to say I have not applied for any credit since December. Though I was prepproved for only $1000 and a 23%APR... no thanks. Ive denied Apple 🍎 🎊 actually feels good 😂


If I had this preapproval 7 months ago I would have jumped right on it without thinking properly
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 31 of 139
Valued Contributor

Re: Another case of turning down Apple.

Don't you wish all CC apps were like this though!?!  Nice job walking away.




UNpopular opinions have served me well and will offer that which has worked for me.
Message 32 of 139
Frequent Contributor

Re: Another case of turning down Apple.

Thanks for the info! I checked it out preapproval for $1000 and 23%APR.. no thanks. I’ll continue my rebuild without inquiries and new accounts 🙏🏼💃🏼🧜🏽‍♀️🎊
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 33 of 139
Frequent Contributor

Re: Another case of turning down Apple.


@Hasselfree wrote:

Don't you wish all CC apps were like this though!?!  Nice job walking away.


We can dream. If we are lucky Apple will start a trend. I was just curious on what they would offer.

Message 34 of 139
Community Leader
Super Contributor

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

I feel so bad for @JR_TX Smiley Sad He's that kid at the candy store waiting his chance to buy a Wonka Bar only to find out all the rich kids baught the last of themSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 35 of 139
Super Contributor

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


@AverageJoesCredit wrote:
I feel so bad for @JR_TX Smiley Sad He's that kid at the candy store waiting his chance to buy a Wonka Bar only to find out all the rich kids baught the last of themSmiley Wink

Message 36 of 139
Community Leader
Super Contributor

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

Thanks M_Smart007. The post is kind of jumbled so I can’t tell if it’s you or VoltronM toasting me—thanks just the same. Yep, held tight to my gold spade. 😁

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 37 of 139
Community Leader
Super Contributor

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


@CivalV wrote:
I just want to join in, to say I have not applied for any credit since December. Though I was prepproved for only $1000 and a 23%APR... no thanks. Ive denied Apple 🍎 🎊 actually feels good 😂


If I had this preapproval 7 months ago I would have jumped right on it without thinking properly

Come on in and join the party! It does feel good doesnt it? What feels better is I have no regrets like I do when I’m declined a CLI—like why did I apply for that?😤

 

I got my last CC in December too. We made it to 8 months. Congratulations! 

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 38 of 139
Highlighted
Community Leader
Super Contributor

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


@AverageJoesCredit wrote:
I feel so bad for @JR_TX Smiley Sad He's that kid at the candy store waiting his chance to buy a Wonka Bar only to find out all the rich kids baught the last of themSmiley Wink

I do too.😢 He wanted that invite so bad too.  But the good thing is it wasnt a HP. Thats what makes you crazy.

 

And JR_TX, you can apply again since it’s only a SP to find out. 

 

 

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 39 of 139
Valued Contributor

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


@AverageJoesCredit wrote:
I feel so bad for @JR_TX Smiley Sad He's that kid at the candy store waiting his chance to buy a Wonka Bar only to find out all the rich kids baught the last of themSmiley Wink

 

lol  @AverageJoesCredit 

That’s exactly how I feel! Or that scrawny teen age boy sitting down alone in the dance hall with no one else to dance with. Smiley Sad

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 40 of 139
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