Apple Card Approval $20K

[RickNATL]

With all of the buzz, I decided to pull the trigger. Approved at 17.99% (meh)....but hey, as a technologist, I have a CC to match.

Borrowed my best friends iPhone to get the deed done...then went back to using my droid.  LOL

[CreditRebuilder2020]

Monster SL! Love it!

Congrats on the $20K!

[credit_is_crack]

Congrats on the Approval! There doesn’t seem to be a rhyme or reason behind SLs and APrs on this one yet. I’ve seen entry level SLs bank a 12.99 and some much larger SLs getting 23.99

Normally higher limit = lower APR (and I say so loosely), but Goldman marches to their own drum lol

If you’re a PIF kinda person then the APR is just noise

[RickNATL]

Absolutely a PIF guy....I don't like paying money to spend money.... )

[Jnbmom]

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@RickNATL wrote:

With all of the buzz, I decided to pull the trigger. Approved at 17.99% (meh)....but hey, as a technologist, I have a CC to match.

Borrowed my best friends iPhone to get the deed done...then went back to using my droid.  LOL

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Congrats. but you used your friends iphone, so isn't that his account then? A little confused here lol

[Anonymous]

Congrats!!! That's a nice SL!

[Anonymous]

If you don’t have an iPhone or iPad to attach the card to, they’re going to close it. 

Congrats on the approval though. 

[jaxstraw]

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@Anonymous wrote:

If you don’t have an iPhone or iPad to attach the card to, they’re going to close it. 

Congrats on the approval though. 

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I don't believe this Is exactly true.

It is my understanding that as long as you order the physical card and activate it you can then make payments by calling in.

You lose the ability to use Apple Wallet to monitor purchases, pay, etc but they do not cancel your card.

...............

What if you switch to Android?

If you decide that it's time to jump ship to an Android phone, you can still use the physical version of your Apple Card and continue to pay toward your balance -- but you'll need to call in your payments to 1-800-MY-APPLE (1-800–692–7753). Without an iPhone, all of the benefits and streamlined interactions that make the Apple Card unique all but disappear. 

[Anonymous]

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@jaxstraw wrote:

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@Anonymous wrote:

If you don’t have an iPhone or iPad to attach the card to, they’re going to close it. 

Congrats on the approval though. 

---

I don't believe this Is exactly true.

It is my understanding that as long as you order the physical card and activate it you can then make payments by calling in.

You lose the ability to use Apple Wallet to monitor purchases, pay, etc but they do not cancel your card.

...............

What if you switch to Android?

If you decide that it's time to jump ship to an Android phone, you can still use the physical version of your Apple Card and continue to pay toward your balance -- but you'll need to call in your payments to 1-800-MY-APPLE (1-800–692–7753). Without an iPhone, all of the benefits and streamlined interactions that make the Apple Card unique all but disappear. 

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Interesting, that’s quite opposite to what they were saying about it previously. That’s cool then, I guess it’s not as strong of a retention tool for iOS after all. 

ETA: I cannot find that info outside of CNET and when it was being talked about, word was that after a period of time not being in an iDevice Wallet, it would be closed. Proceed with caution for now. 

[jaxstraw]

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@Anonymous wrote:

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@jaxstraw wrote:

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@Anonymous wrote:

If you don’t have an iPhone or iPad to attach the card to, they’re going to close it. 

Congrats on the approval though. 

---

I don't believe this Is exactly true.

It is my understanding that as long as you order the physical card and activate it you can then make payments by calling in.

You lose the ability to use Apple Wallet to monitor purchases, pay, etc but they do not cancel your card.

...............

What if you switch to Android?

If you decide that it's time to jump ship to an Android phone, you can still use the physical version of your Apple Card and continue to pay toward your balance -- but you'll need to call in your payments to 1-800-MY-APPLE (1-800–692–7753). Without an iPhone, all of the benefits and streamlined interactions that make the Apple Card unique all but disappear. 

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Interesting, that’s quite opposite to what they were saying about it previously. That’s cool then, I guess it’s not as strong of a retention tool for iOS after all. 

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Just to be clear I found that under a review made a week ago on CNET.

Not the official Apple site.

It wouldn't surprise me that Apple isn't saying this, or being forthcoming, about this aspect.

But it does make sense they would have to have some alternative in case you decided to switch carriers later and had the card.