Is Apple Card pre-Qual SL solid

Jazzcat · ‎10-03-2021

I've been following posts about the Apple Card prequalification and starting limits. I tried the prequalification a few times and was always offered $1500. Recently I've been offered $4000 SL. This offer has remained for several weeks now.

MY question is ...is it Somewhat common to have that starting limit reduced after I except the offer and the HP.

CreditAggie · ‎10-03-2021

That is the same SL you will receive if you decide to accept the offer.

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

ScorpioRising · ‎10-03-2021

@CreditAggie is correct. Plus, $4,000 from $1,500 is a huge improvement. Have you accepted yet?

RehabbingANDBlabbing · ‎10-03-2021

@Jazzcat wrote:
I've been following posts about the Apple Card prequalification and starting limits. I tried the prequalification a few times and was always offered $1500. Recently I've been offered $4000 SL. This offer has remained for several weeks now.
MY question is ...is it Somewhat common to have that starting limit reduced after I except the offer and the HP.

Just accept it! The offer is based on real time data. Also, I have had a lot of success growing my Apple Card, so if you want a higher credit line, it is possible. They do soft pull CLIs every 91 days. I've been approved every single time I asked. My card started at $1,250 and now sits at $9k after about a year. Also, I am due for another increase in about a week from today, so it will probably be higher soon!

Jazzcat · ‎10-06-2021

Got it today, just like the pre-qual stated ....$4k , no reduction in SL after HP.

I had been gardening to apply for the Ameriprise Visa signature cash card, but I had risked appping for the bb&t SP Brite card over the weekend and it worked out, no HP...$4.5k. So I risked the Apple offer.

I have an awesome auto refi offer from my Indiana Univ. credit union to get away from Cap 1 auto navigator, this will be my last HP and will bury myself in the garden until spring while my last small baddie drops off 4-22

FinStar · ‎10-06-2021

As the OP has indicated they've been officially approved, this thread is now locked and closed to new messages. Congrats on the approval, OP.