@NRB525 wrote:
@RobynJ wrote:
@Trini88 wrote:
@jgdev wrote:It will still show up on your credit report as the full amount. So if you have a 10k limit and finance 5k worth of apple products it'll report 50% utilization.
Yep. I tested it out, I owe Apple $302 on a ipad I financed for my son and my Apple limit is $3000. It's being reported at 10% utilized on my credit report 😬
When did you do this? And if you're correct then I was lied to twice.
Not necessarily lied to, just told something by two people who don't look as closely at their Apple Card statements, and may not have the microscope on their credit reports.
This is my April summary. Total CL is $22,000, and several payment items are open. While my "statement due" amount is the bold number at the top, the actual balance reported to the bureaus is including the future monthly payments that GS has not yet moved to "due this month". So $1,595 is reported as my debt on the card, vs the $22k limit.
Yep before I applied for the Apple credit card I watched a YouTube video that warned everyone that if you basically financed a $1600 iPhone and your credit limit is $1700, it's gonna report basically as a maxed out card 😂. Only reason I financed something so low to test it out. Def won't be financing me a new iPhone with this card.
@Trini88 wrote:I owe $246 for the iPad but $274 is gonna report cuz I paid $28 for Uber Eats I believe that is also getting posted along with my remaining iPad payment. Waiting for my credit report to update to reflect the iPad and the Uber Eats.
Please lmk before I purchase. If what they said isn't the way I was told then I won't purchase it. I was pre-approved for a $3500 SL and the IMac is $2399. This would kill my UTI if what they said isn't correct.
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@RobynJ wrote:
@Trini88 wrote:I owe $246 for the iPad but $274 is gonna report cuz I paid $28 for Uber Eats I believe that is also getting posted along with my remaining iPad payment. Waiting for my credit report to update to reflect the iPad and the Uber Eats.
Please lmk before I purchase. If what they said isn't the way I was told then I won't purchase it. I was pre-approved for a $3500 SL and the IMac is $2399. This would kill my UTI if what they said isn't correct.
CSRs are notorious for being misinformed. Not just at GS, but just in general. They don't necessarily lie, per se, but they simply give out incorrect information because they don't understand things. I think several members have provided you with ample proof that it will indeed show your true utilization on your reports.
EDIT: Guess I skipped over @FinStar's post which said the exact same thing as mine. 
Well I'm glad I posted this even though my DP's are obviously wrong it saved me from making an uniformed decision. I am still interested in getting the 🖥 but might wait a little longer into my build. This way it doesn't affect me as much.
Yes, it's best to have accurate info to decide from. Although, honestly, if you'd followed the CSR advice, you'd have a new computer and not much impact to scores 
As a nit, in your siggy you have your starting score as zero. Nobody ever gets a zero score. Ever. You likely started somewhere near 700.
When I started I didn't have a score as my profile was to new. This is why I put 0 in. After a few months I started getting a Fico score.
@NRB525 wrote:Yes, it's best to have accurate info to decide from. Although, honestly, if you'd followed the CSR advice, you'd have a new computer and not much impact to scores
As a nit, in your siggy you have your starting score as zero. Nobody ever gets a zero score. Ever. You likely started somewhere near 700.