Apple Card 5k, 17.99%

[Anonymous]

Got the email this morning and decided to check it out.  Got approved for 5k at 17.99%.  Don't remember what the range of APR that was available was but I assume this is a mid point to lower end APR.  For data points all of my scores are 685 to 717 currently with 180k in unsecured credit and a 6% ulitization.  Baddies are all 5 1/2 years old.  

They approve without an HP, just ask for address, DOB and last 4 of your SSN so that makes applying pretty attractive.

[M_Smart007]

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@Anonymous wrote:

Got the email this morning and decided to check it out.  Got approved for 5k at 17.99%.  Don't remember what the range of APR that was available was but I assume this is a mid point to lower end APR.  For data points all of my scores are 685 to 717 currently with 180k in unsecured credit and a 6% ulitization.  Baddies are all 5 1/2 years old.  

They approve without an HP, just ask for address, DOB and last 4 of your SSN so that makes applying pretty attractive.

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Congrats!!, Except a new account resets your AoYA and possibly lower your AAoA. A single HP is small potatoes. JMHO

[tbque]

Congrats on the approval. Some on the forums are reporting that a HP on TU will eventually show up in a few hours.

[jacetx]

Congrats on the approval!

[Anonymous]

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@M_Smart007 wrote:

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@Anonymous wrote:

Got the email this morning and decided to check it out.  Got approved for 5k at 17.99%.  Don't remember what the range of APR that was available was but I assume this is a mid point to lower end APR.  For data points all of my scores are 685 to 717 currently with 180k in unsecured credit and a 6% ulitization.  Baddies are all 5 1/2 years old.  

They approve without an HP, just ask for address, DOB and last 4 of your SSN so that makes applying pretty attractive.

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Congrats!!, Except a new account resets your AoYA and possibly lower your AAoA. A single HP is small potatoes. JMHO

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You of course are correct.  Anytime one considers adding an account they need to take AAOA into account as part of the downside of such actions.  

[Anonymous]

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@tbque wrote:
Congrats on the approval. Some on the forums are reporting that a HP on TU will eventually show up in a few hours.

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Thanks, I will keep my out for that and report back if it happens to me.

[Anonymous]

Congrats on your new shiny Apple card! 

[SirTilus]

Congrats on the approval! 

[Anonymous]

FYI, they do in fact do an HP on Transunion after you accept.  Not a huge deal for me as I am going into the garden till 2022.  185k in combined limits is plenty.  

[Marz2002]

YOU...

CONGRATS @workingfor850 on your Apple Card approval anf Thanks for the DPs!!!