Apple Card Approval - Yeah, I did it for the looks

[Anonymous]

Must be 30days to accept or decline. I just got a message from my wallet saying that my offer had expired. I did the sp app on 8/12... today is 9/11. 

Now I'm sorry I didn't just accept the offer. I didn't because I want to hit 800, I didn't want the hp hit, didn't want a new card to reduce AoA.

But, I really want the AppleCard. I do not need it. I'm so confused... this site has taught me so much. Half tempted to app again to see if they are limiting time between apps, when I didn't accept initial offer.

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@babbles wrote:

how long is the offer good for do you know?

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[babbles]

no go for me, I  guess those inquires might have hurt and a high dti

[Aim_High]

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@EddieK wrote:

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@Anonymous wrote:

Congrats on your approval.

What's going on with your Experian score?  That's a YUUUGE difference.

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Yeah, it's an old score, I'm sure it's in-line with the others now, but don't want to pay to see. Well, I guess I could see the score with my Amex, but they changed their website to this other score. I read somewhere you can still get your EX08 score from them, but haven't looked into it.

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Regardless of Old vs New, my experience is EXPERIAN apparently is much more conservative and tends to lag the other bureaus, all other things considered.  My EX is much lower right now after multiple Chase hard pulls but it seems over time that my scores are usually TU (Highest), EQ  (Middle), and EX (lowest) relatively speaking.  (But no, I wouldn't expect that huge of a difference normally.)

[Aim_High]

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@EddieK wrote:

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@Anonymous wrote:

im suprised you didnt get max SL which is 40k with your score

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Yeah, I was hoping for more, but it's all good, more than enough for my anticipated spend on it.

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Congrats on the Apple Card, @EddieK 

I think almost everyone expected higher limits than GS was handing out.

Seems to be a very conservative lender.

$10K isn't bad at all for them.

Credit scores seem to have been used for APR approval.

My score came back a perfect 850 and I also got 12.99%.

My income is mid 300's and they only gave me $20K.

From what I can tell, people who got $40K had really really huge income.

[Anonymous]

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@EddieK wrote:

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@Anonymous wrote:

Congrats on your approval.

What's going on with your Experian score?  That's a YUUUGE difference.

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Yeah, it's an old score, I'm sure it's in-line with the others now, but don't want to pay to see. Well, I guess I could see the score with my Amex, but they changed their website to this other score. I read somewhere you can still get your EX08 score from them, but haven't looked into it.

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Amex now shows VantageScore 3.0 on the main account page.  But you can still view your Experian FICO score by logging in to your account, then clicking on Account Services > Personal Details > View FICO Score.

[black_citi]

Awesome! That's a great APR but like others stated im surprised they didn't give you a higher SL.