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Apple Card Approval with credit at 30% Utilization

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soxfaininfl
Frequent Contributor

Apple Card Approval with credit at 30% Utilization

I finally got approved for the Apple Card after trying for 2 years. I got approved last night for a 1,500 limit with my utilization at 30% (35k cc debt). This will help bring down my utilization a little bit. I've been getting declined since the card came out because I had late payments tied to my BK7 even when my UTI was at 0% and even with my scores at high 600's (695) before I got back into debt. I read online if you try to buy something from the Apple store and apply at the same time you will get approved. It worked!!! I couldn't believe it as bad as my credit is right now. I didn't make the purchase since I'm trying to get out of cc debt. My Experian Fico 8 is at 671. My highest TU Fico 9 was at 669 before I got back into debt. I don't know what my TU Fico 9 is at currently, but I imagine it is bad now due to the amount of debt I have. My only credit subscription is to Experian right now, so I can't check it. 

 

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16 REPLIES 16
cmoe
Valued Member

Re: Apple Card Approval with credit at 30% Utilization

Congratulations on your approval. I got approved a few weeks ago. I really love the card and fixed due dates.










Message 2 of 17
CreditAggie
Community Leader
Super Contributor

Re: Apple Card Approval with credit at 30% Utilization

Congratulations on your Apple Card approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 17
KingRue8500
Senior Contributor

Re: Apple Card Approval with credit at 30% Utilization

Congrats on your Apple Card approval




Message 4 of 17
Rebuild2019
Valued Contributor

Re: Apple Card Approval with credit at 30% Utilization

Congratulations 🎉🎈🎊 on your approval.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 5 of 17
Red1Blue
Super Contributor

Re: Apple Card Approval with credit at 30% Utilization

Congrats

Message 6 of 17
gdale6
Moderator Emeritus

Re: Apple Card Approval with credit at 30% Utilization

Grats on your new Apple card Smiley Happy

Message 7 of 17
Elpadrino1
Valued Contributor

Re: Apple Card Approval with credit at 30% Utilization

Congratulations on your Apple approval!!

Message 8 of 17
M_Smart007
Legendary Contributor

Re: Apple Card Approval with credit at 30% Utilization

Congratulations on your 🍎 approval!

Message 9 of 17
Sub16610
Established Contributor

Re: Apple Card Approval with credit at 30% Utilization

Congratulations on your Apple card approval!

Message 10 of 17
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