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Apple Card 9k at 18%

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Valued Contributor

Apple Card 9k at 18%

Approved Apple Card 9k at 18%

Smiley Sad

Limit is fine; I’m bummed about the interest rate.
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Message 1 of 21
20 REPLIES 20
Valued Contributor

Re: Apple Card 9k at 18%

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Apple Card approval and maybe you can request an APR reduction in the next few months!

AMEX BCE $4K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K
TCL - 100K+ | Rebuilding since April 2018
Message 2 of 21
Frequent Contributor

Re: Apple Card 9k at 18%

Congrats OP, is that through Barclays and what are your scores data point? 


July 2019 464-540
July/2019 Equifax-490 to 521 TransUnion-521 to 528 Experian-521 to 540
Current/2019 Equifax-555 (ck) TransUnion-556(ck) Experian-558
Mortgage Scores: Sept/2019 Equifax-Fico5 xxx TransUnion-Fico4 xxx Experian-FIco2 xxx
First Goal 580 by Oct/19 Second Goal 600 by Nov/19 Third Goal 620 by Dec/19 Goal Score:across the board 690+


Message 3 of 21
Frequent Contributor

Re: Apple Card 9k at 18%

Still not bad! Been fun seeing all these posts and the different limits/rates. 

 

Goldman Sachs seems to be all over the place with high limits/low limits and interest rates. 

 

I had my eye on this card just as a fun one to have in the wallet but I'm not getting the pitch and I just opened a PayPal MC/BOA BankAmericard so I'm back in the garden. 

 

Nicely done! 


AMEX Gold / PayPal MC $2K / BOA BankAmericard $2K /
BOA Cash Rewards $1000 / Cap One QS1 $600 / Cap One Plat Sec $500 /
Credit One (2) $500 & $650 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $8750 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 4 of 21
Established Contributor

Re: Apple Card 9k at 18%

Congratulations on the approval OP!

Fico Scores as of March 2019: TU:765 EQ: 775 EX: 755 Fico Goals: TU: 770+ by 12-2019 EQ: 770+ by 12-2019 (achieved) EX: 780+ by 12-2019
Message 5 of 21
Community Leader
Valued Contributor

Re: Apple Card 9k at 18%

Congrats! The rate isn’t THAT bad, so don’t feel bad about it. They offered me 23.99 lol. Yikes. I’ll wait that one out. 

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 6 of 21
Frequent Contributor

Re: Apple Card 9k at 18%

A couple folks have noticed they got a lower rate than what was quoted in prequal. You can check your card details to confirm.

Message 7 of 21
Valued Contributor

Re: Apple Card 9k at 18%

Unfortunately I’m stuck at 18% even after the prequal
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Message 8 of 21
Established Contributor

Re: Apple Card 9k at 18%

That was my offer and I said see ya later.  My scores are all over 800, 1 inquiry in the last 12 months (Chase for a $30K SL by the way), not one single baddie, UTIL around 2%. 

 

I dont need that $9K AT ALL.  My Amex's, Chase and BofA in my Apple Wallet work just fine from there.

Message 9 of 21
Community Leader
Super Contributor

Re: Apple Card 9k at 18%

Congrats OpSmiley Happy

I cant wait til the day i can look down at 9k approvals like its nadaSmiley 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 10 of 21
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