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Apple Card Approval - 3rd time's the charm!

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Established Member

Apple Card Approval - 3rd time's the charm!

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. 

 

Message 1 of 12
11 REPLIES 11
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Super Contributor

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

Wow  !!  Nicely done


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 2 of 12
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Regular Contributor

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

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. 



Message 3 of 12
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Member

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

Awesome!!!





Message 4 of 12
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Valued Contributor

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

Congrats on the approval and killer SL!!
Message 5 of 12
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Established Member

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

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.

Message 6 of 12
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Community Leader
Mega Contributor

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

CongratsSmiley Happy

Where are all my po' folk here lolSmiley Wink
Message 7 of 12
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Mega Contributor

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


@AverageJoesCredit wrote:
CongratsSmiley Happy

Where are all my po' folk here lolSmiley Wink

Right here wit yaSmiley Tongue

 

 

Message 8 of 12
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Community Leader
Senior Contributor

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

Actually, I did recieve a Ifruit approval for 6500.... at 17.x APR... so such things do exist... albeit a roundish number....

 

Message 9 of 12
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Contributor

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

Holy cow. That's some persistence. Nice job and great starting limit!

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