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Apple Card approved/offer accepted - No HP so far

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New Member

Apple Card approved/offer accepted - No HP so far

Hi. I’m so confused about my Apple Card application. I applied for the card last week and I accepted the offer. It’s been about 7 days now since I accepted and I haven’t received a hard inquiry. I know that when you apply you only get a soft pull but after accepting the offer a hard pull is done. I’ve been monitoring my credit report in Transunion and other bureaus. I even got my physical card already. Is this normal? Will I ever get the hard pull? Does someone know if something like this can happen?
Message 1 of 14
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Community Leader
Super Contributor

Re: Apple Card approved/offer accepted - No HP so far


@Astromuse wrote:
Hi. I’m so confused about my Apple Card application. I applied for the card last week and I accepted the offer. It’s been about 7 days now since I accepted and I haven’t received a hard inquiry. I know that when you apply you only get a soft pull but after accepting the offer a hard pull is done. I’ve been monitoring my credit report in Transunion and other bureaus. I even got my physical card already. Is this normal? Will I ever get the hard pull? Does someone know if something like this can happen?

Hi and welcome

 

No need for confusion. We all wish a HP would never occur on a credit application. I say, don't even fret about it. If it happens, it happens and if it doesn't, it doesn't. Just keep in the back of your mind there may possibly be one in the near future.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 2 of 14
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Valued Member

Re: Apple Card approved/offer accepted - No HP so far

It will appear by the time the new account hits your report. 

Message 3 of 14
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Super Contributor

Re: Apple Card approved/offer accepted - No HP so far

Congrats on your approval. As long as you got approved, thats the important thing


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 824 EQ 840
A dragon lives forever but not so little boys
Painted wings and giant rings make way for other toys
One grey night it happened, Jackie Paper came no more
And puff that mighty dragon, he ceased his fearless roar

Peter, Paul and Mary
Puff The Magic Dragon Jan 1st, 1963
Message 4 of 14
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Moderator

Re: Apple Card approved/offer accepted - No HP so far

Congrats on your approval! 

Got some pruning to do... No more new cards!
Message 5 of 14
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Community Leader
Mega Contributor

Re: Apple Card approved/offer accepted - No HP so far


@CreditInspired wrote:

@Astromuse wrote:
Hi. I’m so confused about my Apple Card application. I applied for the card last week and I accepted the offer. It’s been about 7 days now since I accepted and I haven’t received a hard inquiry. I know that when you apply you only get a soft pull but after accepting the offer a hard pull is done. I’ve been monitoring my credit report in Transunion and other bureaus. I even got my physical card already. Is this normal? Will I ever get the hard pull? Does someone know if something like this can happen?

Hi and welcome

 

No need for confusion. We all wish a HP would never occur on a credit application. I say, don't even fret about it. If it happens, it happens and if it doesn't, it doesn't. Just keep in the back of your mind there may possibly be one in the near future.


Exactly. If you were expecting one (which you should, always), it'll be no surprise when it shows up. If it doesn't, be happy.







Message 6 of 14
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Established Member

Re: Apple Card approved/offer accepted - No HP so far

Congrats on the approval, I too just got approved for $2500 and also no HP yet, fingers crossed but unlikely. 

Starting scores March 2017-



Current Scores November 2019 -






Message 7 of 14
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New Contributor

Re: Apple Card approved/offer accepted - No HP so far

No hard pull for me either. Probably not worth it for my $750 credit limit lol.

Message 8 of 14
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Established Member

Re: Apple Card approved/offer accepted - No HP so far

While lower limits can be disappointing at times, some of mine are lower too so I know, it is a starting place nonetheless😊
Starting scores March 2017-



Current Scores November 2019 -






Message 9 of 14
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Established Contributor

Re: Apple Card approved/offer accepted - No HP so far

I got my Apple Card when it was by invitation, I’ve yet to get a hard pull, my GF on the other hand got her HP within a couple of days. I assumed it could have been because I have a personal loan from Marcus (also Goldman Sachs). So like all things credit related YMMV!











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