Re: Apple Card Approval - 3rd time's the charm! - myFICO® Forums

CoSprings99 · ‎09-09-2019

I had applied twice before for the Apple Card. Each time I was offered 5k at 23.99%. I declined those. These were each a couple weeks apart or so. Each time my TU was about 715ish. My largest CC line is Penfed at 33k, so I didn't want to waste my time with a new 5k line that I had no clue how it would grow in time. My utilization was around 22% (out of 150k or so available) but that was a balance transfer that was being paid off.

That payment finally reported to the bureaus this week and my utilization is down to about 5% and score up to 767. Decided to try again tonight and was rewarded with 30k, although at 23.99%. Don't know why I got that percentage rate, but doesn't really matter to me as I usually pay in full, even though it's usually after the statement cuts so I usually do show some sort of a balance.

275k annual income

767 TU Fico

Asked for ID Photo front and back

It won't let me add a photo to this post as I'm too new I guess.

Meanmchine · ‎09-09-2019

Wow !! Nicely done

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching

RootDet · ‎09-09-2019

The fact that you got more than 10% is interesting. It seems as if they only approve nice round numbers. Otherwise, you should have gotten $27.5k.

Anonymous · ‎09-09-2019

Awesome!!!

Anonymous · ‎09-10-2019

Congrats on the approval and killer SL!!

CoSprings99 · ‎09-10-2019

My W2 income is 275k. I should have included my rental income on the application for a total of $350k. I was being modest. Maybe I could have seen the 40k limit had I included it all.