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Rejoicing! Approved for Apple Card and Turned It Down

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Established Contributor

Re: No thanks Apple

I don’t disagree AJC, if it were a more useful card I wouldn’t worry about the SL as much. That said, it’s not that great a card and now isn’t the time for me to get another card anyway.
In my wallet• US Bank Altitude Reserve ($9k), AmEx Gold (NPSL $30k POT), AmEx Hilton Aspire ($25k)
Utilities• US Bank Cash+ ($6.5k)
Others• Amex | Amex Bonvoy Brilliant ($7.5k), EDP ($1k), BCE ($1k) • BBVA Clear Points ($6k) • Capital One | QS ($850), Venture 1 ($16k) • Chase | Sapphire Preferred ($17.2k), Hyatt ($8.6k) • Citi | Double Cash ($6.3k), Premier ($4.1k) • Discover ($11.8k) | NFCU More Rewards ($15k) | PenFed PCR ($1k) | Care Credit ($20k) Lowe’s ($35k)
F8 —-Current EQ•714 | TU•775 | EX•711
All scores have increased 100+ points in last year | $190k+ Unsecure TCL
Message 61 of 120
Frequent Contributor

Apple Card

Just for sh*ts and giggles, I did a mock soft pull application for the Apple card.

 

Their offer to me was for $6000  APR 23.99%

 

I didn't accept the offer.  The limit was "ok" but I had hoped for a little higher.

 

The credit score they showed me was 731. I'd have to go look at my report but I'm going to assume that was an Equifax Fico 9 as my experian Fico 8 is 670 and  fico 9 is higher 600's maybe 690 ish. 

 

Also I'm holding out for Chase Sapphire and I'm 4/24.  I had a charge off with chase slate card in Jan 2011 for $757 and have recently talked to them about getting back in with them and have recently opened up a checking account with them and am dumping money into it.

7/2019 Ex 08 670 TU 08 686, EQ 08 692. And climbing...

Cap 1 QS $500, Cap 1 QS1 $750, Discover $9500.
Message 62 of 120
Valued Contributor

Re: Apple Card

Congrats with the offer no matter How timid it was! There’s a lot of MFers that got low-balled as well. Oh and they use TU FICO 9 as you can find on the PDF terms at the very bottom.
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 ; 2/12 & 4/24
Message 63 of 120
Frequent Contributor

Re: Apple Card

I did see TU after the fact. Well, it's kind of funny because 731 isn't my TU Fico 09 score. It's 728. Not sure where they got that number. And I have my updated scores. oh well.   Smiley Happy

 

 

7/2019 Ex 08 670 TU 08 686, EQ 08 692. And climbing...

Cap 1 QS $500, Cap 1 QS1 $750, Discover $9500.
Message 64 of 120
Established Contributor

Re: No thanks Apple

I turned down 6k at 23.99% because I just approved Citi AA last month. I don’t want another another HP on TU. 





Amex Platinum NSPL || Amex Everyday $10K || Amex BonVoy $16K || Aviator AA $7.6K || Citi AA $7.2K || Citi Costco $5.5K || NFCU CashReward $26K || Blispay $5K || Discover $10.8K || Paypal Credit $7.6K || VS card $4.1K || Walmart store $8.5K ||
Message 65 of 120
Established Contributor

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


@CreditInspired wrote:

I feel really good. I'm as tickled as the beautiful colors emanating from Apple/GS logo.

 

So finally, the Apple card populated in my wallet; and no, I did not get an email. I just checked my wallet and it was there.

 

I had already noted in an earlier post that I wanted to see a SL of at least $20K in order to temp me. (Honestly, I purposely put the SL high because I really do want to stay in the garden until April 2020.)

 

Well I did It! I clickied "No Thanks" to the SL of $7.5K. Now what surprised me was the 12.99% APR offered because so many others had been getting an APR of 17.99 - 23.99% with high scores. My score--790.

 

I did it! I stuck to my guns. I turned a CC down cold. It's a darn good feeling to reject a CC approval.

 

EDIT: Finally got the photo to upload.

 

Apple4.png


Sadly, I don't have your willpower. I took the offer with a measly 6.5K starting limit.

Over $200,000 in credit across 12 cards.

FICO ranges from 791 -824 as of 07/26/2019
Message 66 of 120
Community Leader
Senior Contributor

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


@Berk wrote:

@CreditInspired wrote:

I feel really good. I'm as tickled as the beautiful colors emanating from Apple/GS logo.

 

So finally, the Apple card populated in my wallet; and no, I did not get an email. I just checked my wallet and it was there.

 

I had already noted in an earlier post that I wanted to see a SL of at least $20K in order to temp me. (Honestly, I purposely put the SL high because I really do want to stay in the garden until April 2020.)

 

Well I did It! I clickied "No Thanks" to the SL of $7.5K. Now what surprised me was the 12.99% APR offered because so many others had been getting an APR of 17.99 - 23.99% with high scores. My score--790.

 

I did it! I stuck to my guns. I turned a CC down cold. It's a darn good feeling to reject a CC approval.

 

EDIT: Finally got the photo to upload.

 

Apple4.png


Sadly, I don't have your willpower. I took the offer with a measly 6.5K starting limit.


It's okay. $6.5K is a great SL. I'm just greedy!Smiley Very Happy

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
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 67 of 120
Contributor

Crapple Approval CL

I was approved for a $8,500 limit 17.99% APR and declined the offer.

 

My income is $120,000, my FICO scores are between 812-822 and I'm an Apple share holder.

Discover It - 19.1K
Citi Double Cash - 16K
AMEX BCP - 35K
Elan Financial - 24.2K
Uber - 25K
Amazon Prime Visa Sig - 9.6K
Fort Knox Platinum - 2.5K
US Bank Cash+ - 14K
Citi AAdvantage PSWE - 21.5K
Message 68 of 120
Established Contributor

Re: Crapple Approval CL


@solway wrote:

I was approved for a $8,500 limit 17.99% APR and declined the offer. Good for you

my FICO scores are between 812-822 scores don't determine a CL

I'm an Apple share holder. doesn't factor into an approval or limit

My income is $120,000, but what's your UTIL look like? mortgage? car?  if your payments are high on installment and revolving debt it could be a reason. 

 

I've gotten similar approvals with other banks recently...ok 1 w/ Propel @ 7500 but a coulpe of others like BBT 10.5Kx2. I took them for the cash for spend offers and then throw them in a drawer as they're not really long term contenders compared to other cards I have in rotation.


 

500K+ TCL / 800+ FCOs
Message 69 of 120
New Member

Re: 3% cash back Apple Card now more to come

I had something interesting happen.

 

Last Monday (8/12) I app'd for the card and got an approval of $10k at 17.99, I did not accept as I was closing on a mortgage on Tuesday.

 

This morning my roommate who has better credit than I (and on the mortgage with me), applied for the card wand was denied.

 

I went in to try applying again and was denied.  Nothing has changed on my report and my TU is 740 (per Fico).  Mortgage is not reporting yet.

Message 70 of 120
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