I previously had an Apple card that I received when my credit score was lower. It had a very high APR, and I tried repeatedly to get them to lower my APR -- without success! I wasn't carrying a balance, but that high APR just bugged me. They were also slow to raise my credit limit, so I finally just closed the card about a year ago since it really wasn't serving me. Today I decided to do the "pre-qualify" thing, and I was approved for $12,500 with APR of 18.24% .
Credit rebuild is no joke, folks, but it sure is satisfying when things become favorable. Thanks to everyone on this site who held me by the hand and dragged me out of the bad-credit rut. Appreciate you so much!
2.24.2026 FICO 8 EXP 817; EQ 826; TU 820 AMEX Platinum NPSL, POT 30,000; AMEX Gold NPSL, POT 25,000; AMEX Cash Magnet 35,000; AMEX Delta Reserve 40,000; PenFed PCR Visa 12,500; PenFed Pathfinder 15,000; PenFed Gold Visa 10,000; PenFed LOC 10,000; Macys AMEX 25,000; Home Depot 25,000; NFCU Plat Visa 46,000; NFCU Plat MC 34,000; USAA Cash Rewards VISA 20,000; IKEA 35,000, Venmo VISA 20,000; SamsClub MC 20,000; Discover 38,600 (2 cards), Citibank Aadvantage Platinum Select World Elite MC 14,300; Pottery Barn 37,000; Williams-Sonoma 27,000; FNBO VISA Signature 18,000; Sportsmans Guide VISA 12,400; Sephora VISA Signature 20,000; Target MC 7000; AAA Signature Visa 28,500; Apple Card 13,500; Truist Visa 19,700; Barclays GM Card 14,000; Chase Sapphire Reserve 18,000; Chase Prime Visa 14,000. Utilization less than 1%
