After reading this thread, I was really discouraged about applying for an Apple Card (I'm considering getting a Macbook.) My TU FICO9 is 706 as of a couple of days ago, I have a few 30 day lates 2.5 years ago on an auto loan, and I have about 2 hard pulls on TU in the past year. But the most damaging is a 9.5 yr old BK7 on my report. My utilization was 14%.
A few other DPs - I have an AMEX BCE with $8K CL ($1200 balance on last statement) that I use as my daily driver, along with a Cap1 Platinum MC (CL $500, balance $0) as well as a credit union secured CC ($500 limit, $0 balance). My DTI ratio is 11/22, and income is a hair shy of $60K. AAoA is about 21 months, and last new account was 3 months ago.
It doesn't show up on my report yet, but I just got my AMEX CL increased to $15K.
Now I've finally got an MC without a toy limit - though I guess some here will still consider $5k a toy limit, lol.
