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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 196
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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 3 TU 1
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 0/6 ; 1/12 & 3/24
Message 52 of 196
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Regular Contributor

Re: Apple Approved fresh off BK 13

Thank you 

Message 53 of 196
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Established 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 196
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Frequent 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 !!!


2018 Dec Starting Score: 700
Current Score: 768
Achieved Goal Score 2020: 800


Take the myFICO Fitness Challenge












Message 55 of 196
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Established Contributor

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

Congratulations on the SP approval and the willpower🥳

Message 56 of 196
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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 | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•776 | TU•774 | EX•762
TOTAL PERSONAL CL > $265k
Message 57 of 196
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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 196
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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 | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•776 | TU•774 | EX•762
TOTAL PERSONAL CL > $265k
Message 59 of 196
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Community Leader
Mega 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.
Message 60 of 196
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