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Apple Card Approval with BK7

Ge_Gi29
New Contributor

Apple Card Approval with BK7

So excited to finally get to post this!

 

Every 30 days I app for the Apple Card knowing I am not going to get approved since my BK7 discharge is less than 3 years old, but today was the day! This time, instead of getting the denial right away, it said it was under review. Figured that was still a no, but 5 minutes later I got the alert on my phone that I was approved!

 

Approved SL $500 (2nd lowest of my CL's behind my measly $300 with C1 Plat)

 

Fako Credit Karma score for TU is 633 (this is why I am even more surprised honestly considering this score is usually higher than FICO) EX FICO is showing 654

 

Credit utilization is showing 48% this month but it's actually lower as I don't carry balances on any of my cards except $1000 on one card. I didn't get my payoffs this month before my statements hit. Typically under 20%

 

BK7 Discharge was February 2019 (2 years 3 months!)

 

My husband also has the Apple Card so we are excited about combining them when they launch Family Sharing with his higher limit to use as a partial daily driver. Unfortunatly it won't be our only daily driver as my husband doesn't have an iPhone and many of the places we shop at don't take Apple Pay. But between the Quicksilver and this, I am excited to finally have a 2% card to compliment the QS. Also that fancy titanium card!

Message 1 of 18
17 REPLIES 17
AllZero
Super Contributor

Re: Apple Card Approval with BK7

Congratulations on your approval!
Message 2 of 18
Jordan23ww
Established Contributor

Re: Apple Card Approval with BK7

Congratulations on your approval!  

 




Message 3 of 18
CreditAggie
Senior Contributor

Re: Apple Card Approval with BK7

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 4 of 18
gdale6
Moderator

Re: Apple Card Approval with BK7

Grats on your new Apple card!!

Message 5 of 18
scorezilla
Valued Member

Re: Apple Card Approval with BK7

Congrats on your Apple Card approval 🎉 



Starting Scores: EQ567 EX574 TU546
Current Scores: EQ650 EX630 TU608
Goal Scores: EQ700 EX700 TU700
Take the myFICO Fitness Challenge



CH7 D/C: 10/2020
"Patience, Persistence & Perspiration Make An Unbeatable Combination For Success"
Message 6 of 18
Golf-and-Credit
Valued Member

Re: Apple Card Approval with BK7

Nice job! Congrats on the Apple Card approval!!

Experian FICO 8: 773/2 inq’s (mortgage) 0/12, 2/24
Equifax FICO 8: 775/2 inq’s (mortgage) 0/12, 2/24
Transunion FICO 8: 772/2 inq’s (mortgage) 0/12, 2/24
Message 7 of 18
M_Smart007
Epic Contributor

Re: Apple Card Approval with BK7

Congratulations on your Apple approval!

Message 8 of 18
AZnotorious
Valued Member

Re: Apple Card Approval with BK7

Congrats on your approval and enjoy your new Apple card. Smiley Happy


 

Message 9 of 18
chalupaman
Super Contributor

Re: Apple Card Approval with BK7

Fantastic! I hope you enjoy that new card and let it grow. 

Main cards: Penfed Power Cash Rewards - $10k, Capital One Platinum - $3k, NFCU cashRewards - $500

Other cards I use atm: Best Buy (Citi) - $2k, Mercury MC - $1.5k, Amex Delta Gold (AU) - $1k, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Kay Jewelers - $4.5k, Appliances Connection - $3.8k, Jared - $3.5k, Firestone CFNA - $1.8k (opened 2016), Williams Sonoma - $600, NY & Company - $500, Home Depot (Citi) - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 668, EQ - 681, TU - 670
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $37.3k
Total Utilization: 4%

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 10 of 18
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