Apple Card Approval Difficulty?

[Anonymous]

GS is also Chex sensitive, so if you're being denied you may want to request that report. No telling how they may word a denial based on adverse banking info on Chex, so it might be worth looking at that to be sure.

[REDBOYYY56]

I've has my Apple Card since it's inception and my initial credit line is still 7500 .My trans union score has never been under 768 .My uti on three occasions for that card was 15,13,10% and they still denied me for an increase.I don't need the increase but it  bugs me that it's my only card that has a credit limit under 10000. I'll try again when it gets down to 5%. 

[imastarboy]

I have to second anyone recommending the "cart trick." Every single person who I know with this card was only approved once they tried the "cart trick" or applied inside a physical Apple Store. I don't know what exactly it is that Goldman Sachs is looking for but people who can easily cold app AMEX and Chase and get approved for $10K+ SLs have had trouble getting this card.

[FalconSteve]

For me, really hard, but they can't seem to verify my or my wife's identities despite uploading my ID. Otherwise, not too hard. The SCT (shopping cart trick) and they help you get approved (as long as they can verify your ID).

You get approved in the Apple Wallet or Apple Online Store (set something for in store pickup without customization and never pick it up if the order even finishes)

EDIT: I was thinking of Path to Apple Card

[Yasselife]

They don't like high utilization overall and on individual cards. I was on the low 700s and denied; got that taken care of and now at high 700s I get pre-approved for $1,5k at 15.99%. Seems like that's standard for most people.

[finfree]

Today I was pre-approved for $6,500 at 10.99% but declined the offer. That seemed like a really low starting line to me. FWIW my TransUnion FICO8 is 817 and VantageScore 3.0 is 795. Am I wrong about this?

[Yasselife]

You got the best apr from them I think which in my opinion that's what matter the most, limit increases every 6 months isn't an issue for me if I plan to keep the card, depending on the use of course. I'd have taken that offer in a heartbeat but only because I'm on a low level and my options are limited, I already reached my max on this game.

[NRB525]

---

@finfree wrote:

Today I was pre-approved for $6,500 at 10.99% but declined the offer. That seemed like a really low starting line to me. FWIW my TransUnion FICO8 is 817 and VantageScore 3.0 is 795. Am I wrong about this?

---

The APR is nearly impossible to lower, so that's an excellent offer from that perspective. 
The CL is possible to increase, and unless you plan to get a 6k Apple monitor, the $6,500 should be adequate for most people. 

I got $20k, but the 19-something APR. it doesn't matter as the zero APR Apple financing solves that, but it's the trophy aspect of the APR that counts, right?

I'd be inclined to take the offer. 

[REDBOYYY56]

---

@finfree wrote:

Today I was pre-approved for $6,500 at 10.99% but declined the offer. That seemed like a really low starting line to me. FWIW my TransUnion FICO8 is 817 and VantageScore 3.0 is 795. Am I wrong about this?

---

No ! You're not wrong at all. Because it was offered, doesn't mean you have to take it especially if you don't need it!