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Apple card combination question

Cashbackjunky
Frequent Contributor

Re: Apple card combination question


@MickeyGMoney wrote:

So it appears that:

1. There is no hard pull to combine

2. Both accounts keep their individual age



Is it safe to assume this is from personal experience?

 

I tried again,  on Tuesday night, to merge the cards but I got the "unable to share Apple card" error again. I texted the chat number and the rep told me:

 

"A very small number of users like you are unable to add an existing Apple Card user as a Co-Owner. We'll send you an email in the next month or so as soon as it's available. Until then, your individual Apple Cards will continue to work as usual."

 

I'll report back with DP's of my own, as soon as I'm able to.

 

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 31 of 64
Cashbackjunky
Frequent Contributor

Re: Apple card combination question

***UPDATE***

Success!! DW and I were able to merge our Apple cards. New CL is $25k.

 

Both of our reports were frozen, so no HP.

 

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 32 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question

Auright auright auright.

Message 33 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question


@Michaeldvc wrote:

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


To make this thread more robust with specifics, the Family Card combination feature went live via IOS 14.7 which was released on July 19, 2021.

 

 

Message 34 of 64
addision
Valued Member

Re: Apple card combination question

I am still not clear on this after reading the thread.

 

Let me see if I can get clarification this way:

Husband account 01/01/2021, 10k limit

Wife Account 03/01/2021, 5k limit

 

If Wifes account merge into Husband:

Does limit on Husbands go to 15k and Wifes go to zero?

Does Wifes account get closed?

Does Wifes account now reflect A account date?

 

I think that should set me straight. 

Message 35 of 64
Cashbackjunky
Frequent Contributor

Re: Apple card combination question


@addision wrote:

I am still not clear on this after reading the thread.

 

Let me see if I can get clarification this way:

Husband account 01/01/2021, 10k limit

Wife Account 03/01/2021, 5k limit

 

If Wifes account merge into Husband:

Does limit on Husbands go to 15k and Wifes go to zero?

Does Wifes account get closed?

Does Wifes account now reflect A account date?

 

I think that should set me straight. 


Hey! My wife and I still aren't 100% sure yet about how the account age will reflect, since we JUST merged... I can report back with my DP's once they report. Others have said the accounts keep their respective history.

 

As for the other stuff:

 

If Wifes account merge into Husband:

Does limit on Husbands go to 15k and Wifes go to zero? They both go to $15k

Does Wifes account get closed? It stays open and CL goes to $15k

 

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 36 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question

So essentially,  this family merge is like a double CLI for both account holders...

 

@Cashbackjunky  got a $10,000 CLI and the wife got a $15,000 CLI-  right???

Message 37 of 64
Cashbackjunky
Frequent Contributor

Re: Apple card combination question


@NoMoreE46 wrote:

So essentially,  this family merge is like a double CLI for both account holders...

 

@Cashbackjunky  got a $10,000 CLI and the wife got a $15,000 CLI-  right???


That's how it's worked out so far. I'll update the thread in a month or so once I confirm our account history has remained intact for both accounts

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 38 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question

Curious @Cashbackjunky, is your interest rate the same as your wife's 12.99% ?

 

Message 39 of 64
Cashbackjunky
Frequent Contributor

Re: Apple card combination question


@NoMoreE46 wrote:

Curious @Cashbackjunky, is your interest rate the same as your wife's 12.99% ?

 


Yeah, we both had 12.99 before and after the merge. I've read that the merge will use the lower of the APR's

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 40 of 64
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