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Rejoicing! Approved for Apple Card and Turned It Down

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Frequent Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down

I just want to join in, to say I have not applied for any credit since December. Though I was prepproved for only $1000 and a 23%APR... no thanks. Ive denied Apple 🍎 🎊 actually feels good 😂


If I had this preapproval 7 months ago I would have jumped right on it without thinking properly
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637

June: EQ8: 637 ^26 TU8: 645 ^7 EX8: 642 ^0

Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS AAOA: 2YR 3MONTHS
Inquiries in 12 months: EQ: 4 TU: 1 EX: 2
New Accounts in the last 8 months: 0


CLOSED: Self Lender 12Month CD: June 20th 19’





Main Short Term Goal: Auto Lease 2020 Jeep MOAB with 700 scores across the board.
Message 31 of 62
Valued Contributor

Re: Another case of turning down Apple.

Don't you wish all CC apps were like this though!?!  Nice job walking away.

Message 32 of 62
Frequent Contributor

Re: Another case of turning down Apple.

Thanks for the info! I checked it out preapproval for $1000 and 23%APR.. no thanks. I’ll continue my rebuild without inquiries and new accounts 🙏🏼💃🏼🧜🏽‍♀️🎊
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637

June: EQ8: 637 ^26 TU8: 645 ^7 EX8: 642 ^0

Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS AAOA: 2YR 3MONTHS
Inquiries in 12 months: EQ: 4 TU: 1 EX: 2
New Accounts in the last 8 months: 0


CLOSED: Self Lender 12Month CD: June 20th 19’





Main Short Term Goal: Auto Lease 2020 Jeep MOAB with 700 scores across the board.
Message 33 of 62
Frequent Contributor

Re: Another case of turning down Apple.


@Hasselfree wrote:

Don't you wish all CC apps were like this though!?!  Nice job walking away.


We can dream. If we are lucky Apple will start a trend. I was just curious on what they would offer.

Message 34 of 62
Community Leader
Super Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down

I feel so bad for @JR_TX Smiley Sad He's that kid at the candy store waiting his chance to buy a Wonka Bar only to find out all the rich kids baught the last of themSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 35 of 62
Valued Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@AverageJoesCredit wrote:
I feel so bad for @JR_TX Smiley Sad He's that kid at the candy store waiting his chance to buy a Wonka Bar only to find out all the rich kids baught the last of themSmiley Wink

Message 36 of 62
Community Leader
Senior Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down

Thanks M_Smart007. The post is kind of jumbled so I can’t tell if it’s you or VoltronM toasting me—thanks just the same. Yep, held tight to my gold spade. 😁

GOALS: Garden til APR 2020 and 800 Club

GIRL WILLPOWER ("No Thanks" to Apple $7.5K, 12.99% Approval)


JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 37 of 62
Community Leader
Senior Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@CivalV wrote:
I just want to join in, to say I have not applied for any credit since December. Though I was prepproved for only $1000 and a 23%APR... no thanks. Ive denied Apple 🍎 🎊 actually feels good 😂


If I had this preapproval 7 months ago I would have jumped right on it without thinking properly

Come on in and join the party! It does feel good doesnt it? What feels better is I have no regrets like I do when I’m declined a CLI—like why did I apply for that?😤

 

I got my last CC in December too. We made it to 8 months. Congratulations! 

GOALS: Garden til APR 2020 and 800 Club

GIRL WILLPOWER ("No Thanks" to Apple $7.5K, 12.99% Approval)


JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 38 of 62
Community Leader
Senior Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@AverageJoesCredit wrote:
I feel so bad for @JR_TX Smiley Sad He's that kid at the candy store waiting his chance to buy a Wonka Bar only to find out all the rich kids baught the last of themSmiley Wink

I do too.😢 He wanted that invite so bad too.  But the good thing is it wasnt a HP. Thats what makes you crazy.

 

And JR_TX, you can apply again since it’s only a SP to find out. 

 

 

GOALS: Garden til APR 2020 and 800 Club

GIRL WILLPOWER ("No Thanks" to Apple $7.5K, 12.99% Approval)


JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 39 of 62
Established Contributor

Re: Rejoicing! Approved for Apple Card and Turned It Down


@AverageJoesCredit wrote:
I feel so bad for @JR_TX Smiley Sad He's that kid at the candy store waiting his chance to buy a Wonka Bar only to find out all the rich kids baught the last of themSmiley Wink

 

lol  @AverageJoesCredit 

That’s exactly how I feel! Or that scrawny teen age boy sitting down alone in the dance hall with no one else to dance with. Smiley Sad

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 4 EQ 3 TU 1
AAoA 5y2m
UTIL 1% - 3%

$180K+ Total Limits







New cc TLs 1/12(11 month old) & 3/24
Message 40 of 62
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