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Apple Card - Approved 20k @ 12.99% - No HP?

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Anonymous
Not applicable
‎08-10-2019 01:41 PM
‎08-10-2019 01:41 PM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

@Anonymous wrote:
@DJRobbieD wrote:

Thank you! And congrats on your approval as well.

 

Yes, I’d highly recommend signing up for EQ’s Lock & Alert and TU’s TrueIdentity free credit lock services.  Unfortunately, Experian makes you pay for one of their services to get the ability to credit lock.

 

If you don’t mind sharing, what are your DPs that got you the $20k SL?

Annual income is 225k, FICO 8 with TU is 796 and FICO 9 is 804.  My revolving credit utilization per the latest reports is at 10%.  My Equifax and Experience scores are much higher, so I wonder if they were pulled, would that have resulted in a higher limit?  The biggest drag on my TU score is avg age of accounts.  For some reason, my oldest accounts aren't reported to TU.    

You received the maximum limit they are offering and the lowest APR so pulling your better reports would have made no difference. Congrats!

Message 11 of 31
CreditInspired
Super Contributor
‎08-10-2019 02:30 PM
‎08-10-2019 02:30 PM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Congratulations on your approval, SL, and low APR. Thanks for sharing DPs.


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 12 of 31
CardsLifeLine
Frequent Contributor
‎08-10-2019 11:20 PM
‎08-10-2019 11:20 PM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

I am in same boat. Approved with 10K and 12.99% APR and no hard hit to TU so far. No alert as well. Waiting to see what will happen.
USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards
Message 13 of 31
LittleSal
Frequent Contributor
‎08-11-2019 04:57 AM
‎08-11-2019 04:57 AM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

I was approved for $15k - No HP

Very happy!
Message 14 of 31
JR_TX
Valued Contributor
‎08-11-2019 06:53 AM
‎08-11-2019 06:53 AM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Congrats and Thanks for the DP on that TU F9 being used.
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 0 EQ 0 TU 0 | AAoA 9y8m | UTIL 1% - 4% | $300K+ Total Limits

Message 15 of 31
Hockeypnc1
Established Contributor
‎08-11-2019 04:22 PM
‎08-11-2019 04:22 PM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

the apple card is not out yet-- their website says "coming soon"

 

Message 16 of 31
LittleSal
Frequent Contributor
‎08-11-2019 04:56 PM
‎08-11-2019 04:56 PM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

You have to get an invite to apply

Gen pop is coming soon
Message 17 of 31
Anonymous
Not applicable
‎08-12-2019 04:41 PM
‎08-12-2019 04:41 PM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

Approved no HP, as well...Did you guys ever get your HPs?
Message 18 of 31
CreditInspired
Super Contributor
‎08-12-2019 05:05 PM
‎08-12-2019 05:05 PM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

@Anonymous wrote:
Approved no HP, as well...Did you guys ever get your HPs?

Congratulations on a nice SL and APR. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 19 of 31
LittleSal
Frequent Contributor
‎08-12-2019 05:06 PM
‎08-12-2019 05:06 PM

Re: Apple Card - Approved 20k @ 12.99% - No HP?

No HP for me. I was approved ($15k) on Friday and used the card many times now.

My TU is now locked again. Not sure how they could do HP now.
Message 20 of 31
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