So I applied for the Apple card way back in August 2019 and received a sleazy credit limit of $250.00. Disclaimer: My credit score was crap. I had two cards that were C/O settled and a few missed payments. My credit score at the time barely got mama in the door, so I was grateful. My score when I applied was around 590. After a year and a half of paying things off and raising my credit score, I was finally able to get an increase. My credit limit went from $250.00 to $2,500 as of November 1, 2020. My current credit score is 650. I am continuing to work on it and pay stuff down with lower utilization. I posted this story because like some of you, I was in the credit card blues due to my own doing but it is never too late to change and improve.
To add a little background, I use the card alot. I would pay off the card every month and multiple times throughout the month. I normally spent between $500.00-$1,000 per month on the card. If I did carry a balance it was usually around $50.00 that would report and then I would pay off. I also utilize their 3% cash back for apple services and products. I also brought an apple pen on the card. I paid half of it off and get the bill of like $8.63. In the 15 months of me having the card, I've only paid $4.14 in interest charges due to using and paying off multiple times throughout the month. Let me know if this helps.
Congrats on your CLI and rebuild success. Stories like yours bring hope to others struggling to see the light. Continued success!!!
Wow, huge congratulations on a STUNNING 10x CLI on Apple Card, @BCH-Town!
Very nicely done!
Thanks for the data points and giving hope to other My Fico'ers!