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Apple card combination question

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NoMoreE46
Community Leader
Senior Contributor

Re: Apple card combination question

Thanks dude.  

 

I am floating this as my Top  thread.   

Message 41 of 64
NoMoreE46
Community Leader
Senior Contributor

Re: Apple card combination question

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

 

 

 

 

Message 42 of 64
Aim_High
Super 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. 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$900K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0 - SYCH - 65.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* 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
Community Leader
Senior 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 

 

😚

Message 45 of 64
NoMoreE46
Community Leader
Senior 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.

 

 

 

Message 46 of 64
NoMoreE46
Community Leader
Senior Contributor

Re: Apple card combination question

Bump.

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
Established 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 Blue Cash Preferred - $20k | | AmEx Cash Magnet - $20k | | Apple Card - $29k | | BofA Customized Cash - $99.9k | | BofA Customized Cash - $25k | | BofA Unlimited Cash - $30k | | CapOne Quicksilver - $30k | | CapOne Savor One - $17.25k | | Chase Amazon - $29.7k | | Chase Freedom Unlimited - $25.5k | | Chase Freedom - $20k | | Chase Freedom Flex - $47k | | Citi Custom Cash - $19.9k | | Citi Rewards+ - $15.4k | | Discover It Cash Back - $18k | | Discover It Cash Back - $21.3k | |Discover It Travel - $14.5k | | Elan Max Cash Preferred- $15k | | PayPal Cashback Mastercard - $20k | | PenFed Platinum Rewards Visa Signature - $12.5k | | PenFed Power Cash - $12.5k | | Synchrony Discount Tire Card - $25k | | Wells Fargo Autograph - $25k
838 INQ:
2
838 INQ:
3
829 INQ:
2

TCL: $589.45k CCs:23 AAoA: 6yr 2mo Util: ~1% Derog: 0

Mortgage: $213.3k Car Loan 1: $22.1k Car Loan 2: $22.2k
Message 49 of 64
NoMoreE46
Community Leader
Senior 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?)

 

 

 

 

 

 

Message 50 of 64
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