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Apple Card 9k at 18%

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Valued Contributor

Re: Apple Card 9k at 18%

It’s not the limit I care about (unless it’s below 3k. But the interest rate when I have all 800+ is kind of annoying.
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Message 11 of 21
Valued Contributor

Re: Apple Card 9k at 18%

Congrats! APR is irrelevant if you PIF or BT if cash flow doesn’t permit.
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 12 of 21
Senior Contributor

Re: Apple Card 9k at 18%


@JR_TX wrote:
Congrats! APR is irrelevant if you PIF or BT if cash flow doesn’t permit.

FWIW, there’s no way to BT off of these cards directly right now. Would have to be a BT to checking offer. You can’t even mail GS a payment. 


Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 13 of 21
New Contributor

Re: Apple Card 9k at 18%

TU HP?

Current Collection:

Under Consideration:
Message 14 of 21
Established Contributor

Re: Apple Card 9k at 18%

Congrats! I just got approved for $6,500 and 17.99%


Discover It $20.5k
Citi DC WEMC $16.8k
USBank Cash+ VS $12k
USBank Cash 365 AMEX $12k
Apple Card MC $6.5k
Message 15 of 21
Community Leader
Senior Contributor

Re: Apple Card 9k at 18%


@juniebrunner wrote:

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.


I know the feeling. Good 4U. 

GOALS: Garden til APR 2020 and 800 Club



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 16 of 21
Community Leader
Senior Contributor

Re: Apple Card 9k at 18%


@scottwagnon wrote:
It’s not the limit I care about (unless it’s below 3k. But the interest rate when I have all 800+ is kind of annoying.

And for me it was just the opposite. I didn't like my CL of $7.5K. The 12.99% APR was great but I usually PIF so that didn't really matter. I just really wanted a $20K limit. Oh well, I held onto my Gold spade so I'm happy with that.

GOALS: Garden til APR 2020 and 800 Club



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 17 of 21
Valued Contributor

Re: Apple Card 9k at 18%

CONGRATS on your Apple Card approval and Welcome Aboard the Apple Card EXPRESS !!!

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 18 of 21
Valued Contributor

Re: Apple Card 9k at 18%

I’d gladly trade my limit for your apr
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Message 19 of 21
Community Leader
Senior Contributor

Re: Apple Card 9k at 18%


@scottwagnon wrote:
I’d gladly trade my limit for your apr

😂😆🤣

GOALS: Garden til APR 2020 and 800 Club



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 20 of 21
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