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Apple card combination question

NoMoreE46
Valued Contributor

Re: Apple card combination question

Thanks dude.  

 

I am floating this as my Top  thread.   

Amazon Prime Store 10,000
Apple Card GS 14,000
CapOne QS 30,000
CapOne Savor 5,000
Citi Custom Cash 8,000
Discover It 20,500
Target Redcard MC 13,000
WF Active Cash 17,000
WF Propel 21,000
————————————-

Elan Smart Business Rewards 10,000
Message 41 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question

PS, calling dibs on @Aim_High  to be my Apple Card family member...

 

 

 

 

Amazon Prime Store 10,000
Apple Card GS 14,000
CapOne QS 30,000
CapOne Savor 5,000
Citi Custom Cash 8,000
Discover It 20,500
Target Redcard MC 13,000
WF Active Cash 17,000
WF Propel 21,000
————————————-

Elan Smart Business Rewards 10,000
Message 42 of 64
Aim_High
Senior Contributor

Re: Apple card combination question


@NoMoreE46 wrote:

PS, calling dibs on @Aim_High  to be my Applecard family member...


smirk_emoji.png  

Is this a proposal, @NoMoreE46 ?  

I don't even know if if you're my type.  Lol Smiley LOL 

 

Good to know about the possibility of account combos, @Cashbackjunky!  Thanks for the details and updates.  That could be a handy trick for some of our members. 

 

It appears to me that you're basically taking two individual accounts and combining into one JOINT account with the higher CL available to both users.  So it's not really a TCL increase as an aggregate, but it does increase the credit available to both members.  The downside to me would be that joint accounts can have issues.  I went through a divorce with some joint accounts and depending on the lender, some would not allow the account to stay open even if separated. Other lenders might allow one party to assume any debts.  I decided not to have any joint accounts going forward. 



Length of Credit > 35 years; Total Credit Limits > $600K
AoOA > 29 years (Jun 1993); AoYA (Nov 2021)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 43 of 64
NRB525
Super Contributor

Re: Apple card combination question


@Cashbackjunky wrote:

@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


It may report to each cardholder credit bureau that they each have a $15,000 limit. 
However my further expectation is, if Player 1 charges $1,000 on their card, and Player 2 charges $500 on their card, at month end the Apple Card's will each report a $15,000 limit, and a $1,500 balance, on each cardholder bureau report.  

Change my mind. 

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 44 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question


@Aim_High wrote:

@NoMoreE46 wrote:

PS, calling dibs on @Aim_High  to be my Apple Card family member...


smirk_emoji.png  

Is this a proposal, @NoMoreE46 ?  

I don't even know if if you're my type.  Lol Smiley LOL 

 

😚

Amazon Prime Store 10,000
Apple Card GS 14,000
CapOne QS 30,000
CapOne Savor 5,000
Citi Custom Cash 8,000
Discover It 20,500
Target Redcard MC 13,000
WF Active Cash 17,000
WF Propel 21,000
————————————-

Elan Smart Business Rewards 10,000
Message 45 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question

Now that the December statements have posted - is there any more insight you can offer now on your combined accounts @Cashbackjunky?

 

Its apparent that your SL of $15,000 and DW's $10,000 are now one card of $25,000.

 

 

 

Amazon Prime Store 10,000
Apple Card GS 14,000
CapOne QS 30,000
CapOne Savor 5,000
Citi Custom Cash 8,000
Discover It 20,500
Target Redcard MC 13,000
WF Active Cash 17,000
WF Propel 21,000
————————————-

Elan Smart Business Rewards 10,000
Message 46 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question

Bump.

Amazon Prime Store 10,000
Apple Card GS 14,000
CapOne QS 30,000
CapOne Savor 5,000
Citi Custom Cash 8,000
Discover It 20,500
Target Redcard MC 13,000
WF Active Cash 17,000
WF Propel 21,000
————————————-

Elan Smart Business Rewards 10,000
Message 47 of 64
NRB525
Super Contributor

Re: Apple card combination question


@NoMoreE46 wrote:

Bump.


Yes, inquiring minds would like to know whether the spend on the two cards is also combined to a total balance that both cards report.

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 48 of 64
Cashbackjunky
Frequent Contributor

Re: Apple card combination question

** Update **

 

Both my wife and I see the new CL of $25k on our reports. The cards are reporting spend from both cards to the bureaus as well.

 

The account is showing as "joint" now on our reports too.

 

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 49 of 64
NoMoreE46
Valued Contributor

Re: Apple card combination question


@Cashbackjunky wrote:

** Update **

 

Both my wife and I see the new CL of $25k on our reports. The cards are reporting spend from both cards to the bureaus as well.

 

The account is showing as "joint" now on our reports too.

 

Cheers!



Saw-wheet. 

 

@Cashbackjunky ,

Does the account open date for your wife now reflect the older date (of when you opened your Apple card?)

 

 

 

 

 

 

Amazon Prime Store 10,000
Apple Card GS 14,000
CapOne QS 30,000
CapOne Savor 5,000
Citi Custom Cash 8,000
Discover It 20,500
Target Redcard MC 13,000
WF Active Cash 17,000
WF Propel 21,000
————————————-

Elan Smart Business Rewards 10,000
Message 50 of 64
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