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Apple Card Approval ! (37th Application)

J-Marr
Valued Member

Apple Card Approval ! (37th Application)

Hey FicoFam!

 

I wanted to drop in and share one last approval before I hit the garden!

I am pleased to announce: after 37 attempts Goldman Sachs finally showed me some love!

Interesting enough , I recieved an email from GS earlier this week saying I was incorrectly declined on March 26th due to a "system Issue", and asked me to reapply. They had no problem denying me again on April 12th? Weird but ill take it lol. 

 

I applied around 9pm and instead of the usual denial language , I was asked to upload my ID . The app then went to "review", about 10 minutes later a notification from apple wallet said to check out my Apple Card offer, $500 @ 21.99%. Needless to say I accepted without hesitation, not the best limit or rate, but this has been my goal card ever since it was released. It seems like it can grow with some good usage, and im excited to finally have a bank issued CC (vs credit union issued).

 

My Data Points:

Transunion : 718

income : 72,000

DTI : %25

5 inq

BK7 discharged January 2018, no other negative items.

 

*Chex was also frozen but I can see they tried requesting it. 

 

I am going to hit the garden and grow what I have, no other cards on my radar ATM.

Hope you all have a great day !

IMG_0834 2.jpgIMG_0907.jpg


Message 1 of 34
33 REPLIES 33
4sallypat
Frequent Contributor

Re: Apple Card Approval ! (37th time is the charm)

Congrats!

Message 2 of 34
Ficoproblems247
Valued Contributor

Re: Apple Card Approval ! (37th time is the charm)

Your persistence paid off! I'm glad you finally were able to obtain a goal card, that's always such a great feeling. Congrats on your approval, and thanks for sharing your DPs! 


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 3 of 34
AllZero
Super Contributor

Re: Apple Card Approval ! (37th Application)

Congratulations on your approval!
Message 4 of 34
M_Smart007
Epic Contributor

Re: Apple Card Approval ! (37th Application)

Congratulations on your Apple approval!

Message 5 of 34
Velar_nyc19
New Contributor

Re: Apple Card Approval ! (37th Application)


@J-Marr wrote:

Hey FicoFam!

 

I wanted to drop in and share one last approval before I hit the garden!

I am pleased to announce: after 37 attempts Goldman Sachs finally showed me some love!

Interesting enough , I recieved an email from GS earlier this week saying I was incorrectly declined on March 26th due to a "system Issue", and asked me to reapply. They had no problem denying me again on April 12th? Weird but ill take it lol. 

 

I applied around 9pm and instead of the usual denial language , I was asked to upload my ID . The app then went to "review", about 10 minutes later a notification from apple wallet said to check out my Apple Card offer, $500 @ 21.99%. Needless to say I accepted without hesitation, not the best limit or rate, but this has been my goal card ever since it was released. It seems like it can grow with some good usage, and im excited to finally have a bank issued CC (vs credit union issued).

 

My Data Points:

Transunion : 718

income : 72,000

DTI : %25

5 inq

BK7 discharged January 2018, no other negative items.

 

*Chex was also frozen but I can see they tried requesting it. 

 

I am going to hit the garden and grow what I have, no other cards on my radar ATM.

Hope you all have a great day !

IMG_0834 2.jpgIMG_0907.jpg


 

 

I too got the same email issue notification after I received an offer and accepted it. They even tried to pull my TU report after I accepted the offer, i think the next day but it was frozen so no pull from them. 

Message 6 of 34
CreditAggie
Senior Contributor

Re: Apple Card Approval ! (37th Application)

Congratulations on your Apple Card approval!

 

Use the card and you won't be at that $500 SL for long. 

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 7 of 34
tbque
Valued Contributor

Re: Apple Card Approval ! (37th Application)

Congrats on finally getting approved for the Apple Card!






Message 8 of 34
chalupaman
Super Contributor

Re: Apple Card Approval ! (37th Application)

They still won't approve me for this and I've tried so many times. This gives me hope. Their excuse now is that I already applied and yada yada and don't give me the usual denial reasons now. Congrats! 

Main cards: Penfed Power Cash Rewards - $10k, Kay Jewelers - $5.5k, Jared - $4.5k, Capital One Platinum - $3k, Best Buy - $2k, Amex Delta Gold (AU) - $1k, NFCU cashRewards - $500

Other cards I use atm: Firestone CFNA - $2.4k, CareCredit - $1.5k, Mercury MC - $1.5k, Amazon Store Card - $600, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Appliances Connection - $3.8k, Dell Preferred Account - $3.5k, Williams Sonoma - $2.1k, Wayfair Fortiva - $2k, NY & Company - $500, Macy’s - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 685, EQ - 705, TU - 688
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $48k
Total Utilization: 5%

All bureaus are frozen for now.

It is possible to get your credit back into shape. Just be patient, let accounts age when needed and apply for what you need.

Message 9 of 34
coreyb80
Valued Contributor

Re: Apple Card Approval ! (37th Application)

Congrats on the approval!

Message 10 of 34
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