Re: Apple Card - $1500 SL - myFICO® Forums

CreditRebuilder2020 · ‎05-07-2021

Been a while since I've applied and been a while since I've posted. But spring is here in the Western Hempisphere so out of the garden I must go! Pulled the trigger on the Apple Card. I've heard so/so reviews on it, but I decided to pull the trigger after receiving a zillion emails on it. I'm a big Apple guy anyway. $1500 SL Instant Approval.

Data points: Been teetering on 700 for a while across the board EX 691 EQ 704 TU 694 - 31% UTL

Haven't applied for anything in close to a year, I'm probably do for an Spree and closing my subprime cards but they helped me get out of the doghouse so badly, I almost have an emotional attachment to them even though they just sit in my kitchen drawer LOL.

History - Was an absolute disaster right out of college in the late aughts, went south on a car loan, it got repo'd, screwed up my student loans, dumb 20's blah blah. It was more lazy and stupid than anything. Began my rebuild with an OpenSky in late 2016 and a 404 CK Credit Score (yes 404) in 2016 - Now up near 700 and the rebuild 4 years later is on the way to a full blown success and only getting better. Life on track, pandemic almost over, and a new shiny Apple Card! Cheers!

X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs

M_Smart007 · ‎05-07-2021

Congratulations on your approval!

gdale6 · ‎05-07-2021

Great, enjoy your new Apple card!!

CreditMagic7 · ‎05-07-2021

Congratulations on your new Apple Card!!

AllZero · ‎05-07-2021

Congratulations on your approval!

wantitgone · ‎05-07-2021

Congrats!

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.