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Approved for Apple Card and Turned It Down

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Valued Contributor

Re: Apple Card Approval - DENIED!

Congratulations on your approval! No need to accept something you don't need. 👍





My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 191 of 197
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Frequent Contributor

Re: Apple Card Approval - DENIED!

Maybe my post is coming off wrong? My reasons for apping was to check if my credit has recovered enough to start getting approvals again and this is the only card I knew of that would give me a legitimate offer with a SP to my credit.  

I only shared for the DP's, so hope it doesn't come off as braggy.  

 

I shop online and use apply pay pretty often so the card would've been useful if they'd given a better offer. 

I appreciate the encouragement from everyone. I've come a long ways from my overzealous credit seeking self. 😊







Message 192 of 197
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Valued Contributor

Re: Apple Card Approval - DENIED!


@Hut1 wrote:

My reasons for apping was to check if my credit has recovered enough to start getting approvals again and this is the only card I knew of that would give me a legitimate offer with a SP to my credit.  


Congrats on your preapproval and yes, that is a good way to check for that as long as you don't get tempted and proceed to the next step!  Lol Smiley Tongue 

 

If you want more verification, I know of two other banks that give a pretty firm preapproval to include your credit limit and/or APR with only a soft pull.  Regions bank and BBVA.  See links below.

 

https://apply.regions.com/creditcards/gettingstarted

 

https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised



Updated 10/08/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 27+ years;
AAoA = 8+ years; AoYA = less than 1 year (Aug 2020)
Total Open Credit Lines Over $538K. Utilization Less Than 1%.
Inquiries until Nov 2020 (TU:3 -- EQ:4 -- EX:9)
New Accounts: 3/6 months; 8/12 months; 12/24 months (as of 10/15/20)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 193 of 197
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Valued Member

Re: Apple Card Approval - DENIED!

I got preapproval for $7500 and 17.99% APR and declined it.

Now cannot get even that. Why didn't I accept it?.. ((


Starting Score: 660
Current Score: EX FAKO 799 (Credit.com), TU FICO (Discover) 757 (4/19/14), TU MYFICO 738, EQ ?
Goal Score: 800

Amazon 3500 - PayPal Credit 6000 - Discover IT 9000 - AMEX TE 2000 - AMEX BCE 2000 - CITI TY 6000 - CITI Simplicity - 5900 - Chase Freedom 5800 - Chase Amazon 1700 - Macys 1000 - Cap 1 4000 - CITI Shell 1200 - Chase INK 2000 - CSP 10800 - BofA Cash 5000
Message 194 of 197
Highlighted
Frequent Contributor

Re: Apple Card Approval - DENIED!


@Aim_High wrote:

@Hut1 wrote:

My reasons for apping was to check if my credit has recovered enough to start getting approvals again and this is the only card I knew of that would give me a legitimate offer with a SP to my credit.  


Congrats on your preapproval and yes, that is a good way to check for that as long as you don't get tempted and proceed to the next step!  Lol Smiley Tongue 

 

If you want more verification, I know of two other banks that give a pretty firm preapproval to include your credit limit and/or APR with only a soft pull.  Regions bank and BBVA.  See links below.

 

https://apply.regions.com/creditcards/gettingstarted

 

https://online.bbvausa.com/apply/credit-card-prequal?source=sba&oneTimeToken=SSOls/5v/LlXLNcqyXmBy75...Smiley Surprised


Oooo.. Muchas Gracias, sir! 😊







Message 195 of 197
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Valued Contributor

Re: Apple Card Approval - DENIED!


@nash2vic wrote:

I got preapproval for $7500 and 17.99% APR and declined it.

Now cannot get even that. Why didn't I accept it?.. ((


Bummer.



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 196 of 197
Highlighted
Valued Member

Re: Apple Card Approval - DENIED!


@nash2vic wrote:

I got preapproval for $7500 and 17.99% APR and declined it.

Now cannot get even that. Why didn't I accept it?.. ((


How long ago did this happen ? I did the same thing, pre-approved over the weekend, I closed the app. I came back a couple days later and the same offer was still there. Maybe once you decline it won't offer for another 30 days ?

Starting Score: EX: 625 | EQ: 690| TU: 674
Current Score: EX: 733 | EQ: 692 | TU: 735
Goal Score: EX: 700 | EQ: 725 | TU: 715

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Message 197 of 197
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