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@Anonymous wrote:
Also, has your Apple Card account been reported on your CBR's and has it affected your AAoA?
Nope, not reporting yet and I have had it since August when it was in limited rollout. Goldman says they will be reporting next month though so don't expect it to stay hidden.
@Dylan1 wrote:
Does anyone know when my offer for the Apple Card will update? Not a big fan of the card and they only offered me a $3,000SL. Just wondering when this offer will get sort of a refresh. I’d need a high SL to consider taking it
Paging @Anonymous ? .. He'll probably be able to answer your question.
@Dylan1 wrote:
Does anyone know when my offer for the Apple Card will update? Not a big fan of the card and they only offered me a $3,000SL. Just wondering when this offer will get sort of a refresh. I’d need a high SL to consider taking it
What specific type of offer are you referring to?
Offers change when the factors behind their decision change - you're likely to get offered more if/when your credit has aged and/or your utilization drops, along with hard pulls and derogatories (if any) dropping off.
@Dylan1 wrote:
When you apply the offer you get before the hard pull
Since you initially declined the $3K offer, and as others mentioned upthread, it's likely your profile may need to improve in order to see a more suitable SL. What do your FICO scores look like - especially on TU? Are you carrying a high utilization %? What is the average of your other revolving CLs? Any negatives on CRs?
@Anonymous wrote:
So a couple months I did the applying and got offered 12k SL with a 17% apr, I tried today again and only got a 7k SL with a 23% apr?! I wonder what went wrong there😪
Have you added any new accounts or inquiries to your report? Has your utilization changed? While accounts aging may have helped, did any of them fall off your report completely? Unable to really help you unless you provide more DP's from then application vs now.