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Apple Card credit pull

Gcloud88
New Member

Apple Card credit pull

Hey everyone,

 

i don't know if this has already been covered but when I applied for the apple card they apparently used my FICO 9 score from TU. They offered me $10,000 limit at 15.99 %. Im really considering taking it, anyone have any thoughts or suggestions?

6 REPLIES 6
Mv350
Valued Contributor

Re: Apple Card credit pull


@Gcloud88 wrote:

Hey everyone,

 

i don't know if this has already been covered but when I applied for the apple card they apparently used my FICO 9 score from TU. They offered me $10,000 limit at 15.99 %. Im really considering taking it, anyone have any thoughts or suggestions?


Seems like a pretty good offer, I'm not super familiar with the Apple card, but if it seems like a card you can/will use. Take it.

 

I'm sure more apple users wil chime in with more info, but it all depends on what you want to know. 

 

@Anonymous maybe you could help

Message 2 of 7
Sharingan
Established Contributor

Re: Apple Card credit pull


@Gcloud88 wrote:

Hey everyone,

 

i don't know if this has already been covered but when I applied for the apple card they apparently used my FICO 9 score from TU. They offered me $10,000 limit at 15.99 %. Im really considering taking it, anyone have any thoughts or suggestions?


I accepted my offer at launch for $10,000 @ 12.99%, and I do wish I would’ve held off a bit longer like some posters did, who eventually got larger offers. It’s currently one of my lowest limits and unlikely to grow much from there at all.

 

I do really like the card though. 


Message 3 of 7
baker_miller
Valued Member

Re: Apple Card credit pull

FWIW, I've checked every month or two since the card launched out of curiosity. Credit score has fluctuated a bit, but always within 10 points of 800 on TU. My offers have been $9,000-$12,000 with APR of ~12%-17%. However, when I checked a couple days ago they only offered $6,000 at ~15%.

Message 4 of 7
JayJay28
Valued Member

Re: Apple Card credit pull

My offer at launch was $6,500 @ 15.99% & my score was ~750. This is my lowest limit aside from Macy's & I was a little disappointed with my offer, but I still overall like the card. My suggestion is to take it if you have use for it. 

 

AMEX BCE (2014) - $20,000
Discover It (2014) - $15,000
Chase Freedom (2016) - $12,500
DCU Platinum (2015) - $10,000
Nordstrom VISA (2019) - $10,000
AppleCard (2019) - $6,500
Macy's (2014) - $1,800
Message 5 of 7
IckyVicky
Valued Member

Re: Apple Card credit pull


@JayJay28 wrote:

My offer at launch was $6,500 @ 15.99% & my score was ~750. This is my lowest limit aside from Macy's & I was a little disappointed with my offer, but I still overall like the card. My suggestion is to take it if you have use for it. 

 


Out of curiosity/boredom I tried today and was offered $5500 @ 15.99%. I didn't accept. 

|Trans: 792 |Equ: 794 |Exp: 781|
|Amex BCE: $30k |Discover: $26.5k |Citi DC: $13.7k|
|Chase FU: $6k |Cap1 Venture: $4.4k |Cap1 Secure: $1k|
Message 6 of 7
KJinNC
Valued Contributor

Re: Apple Card credit pull

I'm at $5k, which (for me) was pretty good in December when I got the card, but now is toward the lower end of my CLs.

 

The way they do SP offers is really great. All credit card companies should do that.

 

But, I've been rejected multiple times for CLIs, which is probably fair since I don't use the card very much. I don't use it very much because I have better options for nearly all of my spend. I may close it in January or so when it's more than a year old.

 

My advice would be to get it if the rewards fit your spend, OR if it would be a big step up for you in CLs. Otherwise do not get it. JMO, good luck!


FICO Resilience Index: 69. Cards: 10/24, 3/12, 3/6. Accounts including loans: 12/24, 4/12, 4/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)


Authorized user / Corporate / Auto loans / Personal loan

Card CLs total $154,600, not counting the AU card. The AU card brings the total to $181,100. In 03/19, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, joined 1987, direct deposit; PenFed, joined 2019; Navy Federal, joined 2020; USAA, joined 2020; Chase Bank, joined 2020. Best: Coastal, worst: NFCU. I have had weird Keystone Kops customer service problems with NFCU several times, despite their reputation here.

Closed but still on reports: American Express Gold, NPSL, 08/19-06/21 | American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 7 of 7
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