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DH Finally Approved for APPLE CARD!!! Food for thought....

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Kixforpa
Contributor

Re: DH Finally Approved for APPLE CARD!!! Food for thought....

DP: Experian sits at 615 FICO 8 as of 3/23/2021 Equifax is at 598 FICO 8 as of 3/23/2021 Transunion which they pulled is at 582 since 3/09/2021 Thank you all for the kinds wishes!
~Rebuilding Our Lives~
Message 21 of 25
Kixforpa
Contributor

Re: DH Finally Approved for APPLE CARD!!! Food for thought....

Actually waiting for the Spring Event! I believe they will be releasing some new iPad products according to the rumor sites.... Fingers crossed!
~Rebuilding Our Lives~
Message 22 of 25
Aim_High
Super Contributor

Re: DH Finally Approved for APPLE CARD!!! Food for thought....

Congrats on the Apple Card approval for DH, @Kixforpa!

 

The banking connection is likely just a coincidence, although none of us outside of GS Bank can say for certain.  I applied for the card in part because I had some very large deposits (six-figure) in an existing Marcus account.  I thought the deposits would influence my approval and perhaps even help me get a massive SL.   They apparently played absolutely no influence.  I was approved with a good SL but not anything out-of-line with other approvals I got around the same time.  And several members on My FICO with no apparent banking relationship got higher limits.  Also, in the disclosures on Apple Wallet, it specifically spells out what is used to process applications.  (See screen shot below.)

 

Regardless, he's in the door now and congratulations on the approval!   Smiley Very Happy   I just mention that the Marcus account probably won't help with an Apple card approval so-as to temper the expectations of others reading this thread.   It's a good online money market account, but I wouldn't open it with primary goal of Apple card. 

 

Apple_Card_Application_details.jpg


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 23 of 25
Jnbmom
Credit Mentor

Re: DH Finally Approved for APPLE CARD!!! Food for thought....

I would think most creditors use all those factors when you apply, that's not a "special" thing with GS.................................

EXP 780 EQ 796 TU 810
Message 24 of 25
Aim_High
Super Contributor

Re: DH Finally Approved for APPLE CARD!!! Food for thought....


@Jnbmom wrote:

I would think most creditors use all those factors when you apply, that's not a "special" thing with GS.................................


Right, but that's the point.  No mention of banking relationship.   So it's just a basic card application.  Also, I reconned the SL with no success.  The CSR told me that they don't consider banking deposits when awarding limits.  I neglected to mention that in the first post.


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 25 of 25
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