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Approved for Apple Card and Turned It Down

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Regular Contributor

Apple Approved fresh off BK 13

My curiosity got the best of me with all the approvals and option to decline.  So, I went through the application process and was offered $7K @23.99. Latest PenFed FICO 9 is 732.  My BK 13 discharged less than a month ago (7/15).  I declined the offer as I hope to close on my new home soon.

Message 51 of 158
Valued Contributor

Re: Apple Approved fresh off BK 13


@Yeliaba1 wrote:

My curiosity got the best of me with all the approvals and option to decline.  So, I went through the application process and was offered $7K @23.99. Latest PenFed FICO 9 is 732.  My BK 13 discharged less than a month ago (7/15).  I declined the offer as I hope to close on my new home soon.


 

 

Congrats on the approval and wise decision holding off!

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 52 of 158
Regular Contributor

Re: Apple Approved fresh off BK 13

Thank you 

Message 53 of 158
Frequent Contributor

Offered Apple Card, Rejected Offer...

Offered $6500 credit limit at 17.99%. Declined offer. I was hoping for either a larger credit line or lower APR to make it more enticing. While the card peaked my interest, I decided against it.

Message 54 of 158
Regular Contributor

Hey Wanted to Add to the Apple 🍏 SP Approval

Ok I don’t like Kool-Aid so let’s say Curious Liquid Drinker for that Apple Card lol😊😉

So decided to take a look-see
And Approved 6.5K @ 23.99%

I didn’t accept it don’t need it
Rather A different card

Thanks for all your help MyFICOland !!!


Starting Score: 700
Current Score: 730
Goal Score: 750


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Message 55 of 158
Established Contributor

Re: Hey Wanted to Add to the Apple 🍏 SP Approval

Congratulations on the SP approval and the willpower🥳

Message 56 of 158
Valued Contributor

No thanks Apple

Got the invite this morning and figured I’d try it out of sheer curiosity since it’s a SP until you accept. I thought to myself “if they give $15-20k then I suppose I’ll accept”. I most definitely don’t need a card and frankly I shouldn’t even have looked but I’m safe. $5k at 17.99, not a bad APR but $5k is pretty run of the mill and even a little low for me at the moment.
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•718 | TU•779 | EX•714
Message 57 of 158
Valued Contributor

Re: No thanks Apple

Apple seems to be the flavor of the month and not everyone likes it.



















Your FICO credit scores are not just numbers, it’s a skill.

Message 58 of 158
Valued Contributor

Re: No thanks Apple

I didn’t dislike it, it’s just that I didn’t necessarily like it either. Card isn’t anything special and neither were the terms offered. I kind of expected some more interesting numbers right out of the gate to try to pull people in but the approval section says that wasn’t really necessary.
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•718 | TU•779 | EX•714
Message 59 of 158
Community Leader
Super Contributor

Re: No thanks Apple

It seems too many people are getting more caught up in the fact that the numbers, ie credit limit, doesnt meet their expectations than the card itself. I understand it but dont necessarily agree with it. 800 scores dont necessarily translate into 30k limits no matter how much someone makes. My humble opinion of courseSmiley Wink.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 60 of 158
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