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Just for sh*ts and giggles, I did a mock soft pull application for the Apple card.
Their offer to me was for $6000 APR 23.99%
I didn't accept the offer. The limit was "ok" but I had hoped for a little higher.
The credit score they showed me was 731. I'd have to go look at my report but I'm going to assume that was an Equifax Fico 9 as my experian Fico 8 is 670 and fico 9 is higher 600's maybe 690 ish.
Also I'm holding out for Chase Sapphire and I'm 4/24. I had a charge off with chase slate card in Jan 2011 for $757 and have recently talked to them about getting back in with them and have recently opened up a checking account with them and am dumping money into it.
I did see TU after the fact. Well, it's kind of funny because 731 isn't my TU Fico 09 score. It's 728. Not sure where they got that number. And I have my updated scores. oh well.
I turned down 6k at 23.99% because I just approved Citi AA last month. I don’t want another another HP on TU.
@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.
Sadly, I don't have your willpower. I took the offer with a measly 6.5K starting limit.
@Berk 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.
Sadly, I don't have your willpower. I took the offer with a measly 6.5K starting limit.
It's okay. $6.5K is a great SL. I'm just greedy!
I was approved for a $8,500 limit 17.99% APR and declined the offer.
My income is $120,000, my FICO scores are between 812-822 and I'm an Apple share holder.
@Anonymous wrote:I was approved for a $8,500 limit 17.99% APR and declined the offer. Good for you
my FICO scores are between 812-822 scores don't determine a CL
I'm an Apple share holder. doesn't factor into an approval or limit
My income is $120,000, but what's your UTIL look like? mortgage? car? if your payments are high on installment and revolving debt it could be a reason.
I've gotten similar approvals with other banks recently...ok 1 w/ Propel @ 7500 but a coulpe of others like BBT 10.5Kx2. I took them for the cash for spend offers and then throw them in a drawer as they're not really long term contenders compared to other cards I have in rotation.
I had something interesting happen.
Last Monday (8/12) I app'd for the card and got an approval of $10k at 17.99, I did not accept as I was closing on a mortgage on Tuesday.
This morning my roommate who has better credit than I (and on the mortgage with me), applied for the card wand was denied.
I went in to try applying again and was denied. Nothing has changed on my report and my TU is 740 (per Fico). Mortgage is not reporting yet.