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Apple card combination question

NoMoreE46
Valued Contributor

Re: Apple card combination question


@Cashbackjunky wrote:

I just called GS. The CSR said it would in fact close my TL and create a new one with new history and CL that she and I share. It would also need to pull our credit with a HP again. PASS!!!


Hey thanks for trying this @Cashbackjunky !

 

So for now, gunna leave our individual AC accounts alone.

 

 

Message 21 of 64
Michaeldvc
Member

Re: Apple card combination question

My wife and I combined our accounts. It does not result in a hard pull. 

Message 22 of 64
MickeyGMoney
Regular Contributor

Re: Apple card combination question


@Michaeldvc wrote:

My wife and I combined our accounts. It does not result in a hard pull. 


Interesting, and can you confirm or deny about the history? Did it close your old Apple Card account and open a new one with 0 age?


Future Cards:
Message 23 of 64
Cashbackjunky
Frequent Contributor

Re: Apple card combination question

I'd be interested about the history too @Michaeldvc. I decided to call again last night to double-check (I wanted the first CSR to be wrong). The second CSR confirmed it would result in a HP and open a new account (I didn't lead them there - I acted like it was the first time I was bringing it up)

AmEx BCP - $34k | Apple GS Card - $25k | BofA Customized Cash Rewards - $41k | BofA Customized Cash Rewards - $25k | BofA Unlimited Cash Rewards - $30k | Capital One Quicksilver - $5k | Capital One Venture - $30k | Chase Amazon Rewards - $18.6k | Chase Freedom - $8.5k | Chase Freedom Flex - $10k | Chase Freedom Unlimited - $35k | Citi Custom Cash - $11.9k | Citi Double Cash - $11.4k | Discover It - $21.3k | Discover It Chrome - $14.5k | Synchrony Discount Tire Card - $10k | Wells Fargo Active Cash - $10.4k
817 INQs: 10
823 INQs: 3
810 INQs: 12
Total Credit Line: $341,600 Total CC's: 17


Gardening until 12/2022 (year and a half in total)
Message 24 of 64
Michaeldvc
Member

Re: Apple card combination question

My wife's history which is longer than my original card did not update. It still shows the original date I was approved for the card.

Message 25 of 64
Cashbackjunky
Frequent Contributor

Re: Apple card combination question


@Michaeldvc wrote:

My wife's history which is longer than my original card did not update. It still shows the original date I was approved for the card.


Interesting. Out of curiosity, how long ago did you guys merge them?

Cheers!

AmEx BCP - $34k | Apple GS Card - $25k | BofA Customized Cash Rewards - $41k | BofA Customized Cash Rewards - $25k | BofA Unlimited Cash Rewards - $30k | Capital One Quicksilver - $5k | Capital One Venture - $30k | Chase Amazon Rewards - $18.6k | Chase Freedom - $8.5k | Chase Freedom Flex - $10k | Chase Freedom Unlimited - $35k | Citi Custom Cash - $11.9k | Citi Double Cash - $11.4k | Discover It - $21.3k | Discover It Chrome - $14.5k | Synchrony Discount Tire Card - $10k | Wells Fargo Active Cash - $10.4k
817 INQs: 10
823 INQs: 3
810 INQs: 12
Total Credit Line: $341,600 Total CC's: 17


Gardening until 12/2022 (year and a half in total)
Message 26 of 64
1GaDawg85
Valued Contributor

Re: Apple card combination question

this is a great thread as I have been considering combining my card with my partner. Her's is older (unsure of her APR) and lower CL, while mine is newer (compared to hers) with a higher limit. 


FICO 5 ,4, 2 - 4/2022                            FICO 8 - 5/2022                                   FICO 9 - 4/2022                                   FICO 10 - 4/2022
      
Message 27 of 64
Michaeldvc
Member

Re: Apple card combination question

Day 1 went it was allowed after doing the ios uograde. 

Message 28 of 64
NRB525
Super Contributor

Re: Apple card combination question

OP your scores are over 800? You'll be fine.

Besides, you are far enough into this thread now that you can't back out. We need the additional data point to confirm that no HP, no new account will result.

 

I honestly would listen to @Michaeldvc  who has actual experience with a new, potentially confusing feature like this, rather than the multiple CSR who, bless their hearts, are easily confused when trying to understand what we mean when we ask about "Hard Pull" and "New Account".

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 29 of 64
MickeyGMoney
Regular Contributor

Re: Apple card combination question

So it appears that:

1. There is no hard pull to combine

2. Both accounts keep their individual age


Future Cards:
Message 30 of 64
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