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Barclaycard with Apple Rewards -- APPROVED!

whaddupmia07
Established Member

Barclaycard with Apple Rewards -- APPROVED!

Hi all!

 

I looked into getting a MacBook Pro for amateur video editing and saw that you can finance with interest free for the first 24 months. So I applied for the card with FULL intentions on paying off the balance before interest hits (because that's how they get you!). After submitting the application it said I wasn't instantly approved and they would get back to me within 10 days. I felt defeated dispite my high credit score and I did hear that this rewards card can be difficult to get. So this morning I decided to check my status and lo and behold I was approved with a 3K limit! Whew! Now I can purchase my Mac and pay the balance off before the 24 months. 

 

Approved with FICO Score 8 TU: 740

CK: TU 713 EQ: 717

Usage: 30%

DTI: Slightly high at 40%

Current Scores: EQ 662 TU 671 EX 669
Goal: 700 across the board
Message 1 of 9
8 REPLIES 8
CreditMagic7
Super Contributor

Re: Barclaycard with Apple Rewards -- APPROVED!

Barclays will ALWAYS require a call in for any approval to go through with only very rare exceptions.

 

Chase Bank is getting to be the same too.

 

Glad you didn't wait and happy to see you got the approval! Congratulations Smiley Happy

Message 2 of 9
CapCredit72
Established Contributor

Re: Barclaycard with Apple Rewards -- APPROVED!


@whaddupmia07 wrote:

Hi all!

 

I looked into getting a MacBook Pro for amateur video editing and saw that you can finance with interest free for the first 24 months. So I applied for the card with FULL intentions on paying off the balance before interest hits (because that's how they get you!). After submitting the application it said I wasn't instantly approved and they would get back to me within 10 days. I felt defeated dispite my high credit score and I did hear that this rewards card can be difficult to get. So this morning I decided to check my status and lo and behold I was approved with a 3K limit! Whew! Now I can purchase my Mac and pay the balance off before the 24 months. 

 

Approved with FICO Score 8 TU: 740

CK: TU 713 EQ: 717

Usage: 30%

DTI: Slightly high at 40%


Awesome! Very happy for you look. -> Smiley Very Happy

Gardening 2020-2021
Total CL 113k+ UTIL 0.01% Uber Visa, DoubleCash, Quicksilver, Discover IT, Freedom Ulimited, Blue Cash, Premier Rewards GOLD
Message 3 of 9
ridgebackpilot
Established Contributor

Re: Barclaycard with Apple Rewards -- APPROVED!

Congratulations! It does seem as though Instant Approvals are down, perhaps as a result of the Equifax hack. JP Morgan called to verify my identity when I applied for the Ritz Carlton card last week. The CSR specificlaly said they're taking special precautions because of what happened at Equifax. I got the feeling that my approval would otherwise have been Instant.

Message 4 of 9
Appleman
Valued Contributor

Re: Barclaycard with Apple Rewards -- APPROVED!

Be careful with maxxing (>90% utilization) the new Apple card. I would hate to see your score take a big hot for utilization, but definitely keep it below 90% utilized.

Message 5 of 9
DeeBee78
Valued Contributor

Re: Barclaycard with Apple Rewards -- APPROVED!


@Appleman wrote:

Be careful with maxxing (>90% utilization) the new Apple card. I would hate to see your score take a big hot for utilization, but definitely keep it below 90% utilized.


Barclays will probably balance chase him and keep it at 90%, despite OP's best efforts. Smiley LOL


Message 6 of 9
david244us
Regular Contributor

Re: Barclaycard with Apple Rewards -- APPROVED!

Congratulations guess I got lucky with them with the choice visa, no call in it was instant
Message 7 of 9
Pookka
Member

Re: Barclaycard with Apple Rewards -- APPROVED!

Congrats !

Message 8 of 9
Meanmchine
Super Contributor

Re: Barclaycard with Apple Rewards -- APPROVED!

Congrats OP


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 9 of 9
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