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Score for Apple Card

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CS800
Super Contributor

Re: Score for Apple Card


@john398 wrote:

@Ortz33__ wrote:

what about some of the other barclay's cards?  are the standards similiar?  i heard the priceline card gives out a higher limit. is that true?  

 

i want the priceline card but not sure about having that dude on it.  : ) : )



LOL you don't like capt kirk of the starship enterprize?



Sounds like a new giveaway lottery like PCH only this one will be a trip in space Smiley Happy




Message 21 of 54
Ortz33__
Frequent Contributor

Re: Score for Apple Card

lol. PLEASE tell me there is some way to get a new card design.  i just like how barclay's only pulls TU.  have 2 collections on my EQ and EX

Message 22 of 54
CreditCrusader
Valued Contributor

Re: Score for Apple Card


@CreditCrusader wrote:

@Anonymous wrote:

Soo, 6 inqs is too much right, to apply? 


@CreditCrusader wrote:

A word about Apple/Barclay:

 

Be very, very careful about the number of inquiries you have when applying for this card. They flat-out told me they would have approved me had I not had several inquiries over the preceding weeks - and my scores are in the low-to-mid 600s.



 Smiley Indifferent


Keep in mind this was MY experience, and not necessarily indicative of what you might experience.

 

I applied...was turned down...called the backdoor number...and told point-blank "If you didn't have these recent inquiries, I would approve you now" (verbatim). Again, my experience only.


Umm...about that experience...persistence pays...was approved with $1,500 limit after second recon call to explain that my auto dealer had run 25 (that's TWENTY-FIVE) pulls through various lenders AFTER my auto deal was signed, sealed and delivered.

 

Rep asked a few more questions ( verified income, circumstances behind BK7)...approved me Smiley Very Happy

In my wallet: Local Credit Union $25,000, Northwest Bank VISA $25,000, AMEX BCP $10,000, Discover IT $10,000
Message 23 of 54
Ortz33__
Frequent Contributor

Re: Score for Apple Card

What was your file like at the time?  When I reconed a credit limit (1300) and wanted them to match my highest card (3000) they turned me down due to previous CO's I was also at 40% utilization, which he didnt mention, but I know that was a factor.  I was at 645. I should be near 700 with less than 10% util. 

 

He asked me about my previous charge offs (3 from 2006) and i properly explained.  I didn't want to argue or call back because I don't want my account flagged and watched for the next 6 months. I'm gonna garden regardless, but don't want to give them a reason. 

Message 24 of 54
Ortz33__
Frequent Contributor

Re: Score for Apple Card

I also had 10 years of history and AAoA at 6 years.  Still even now, tempted to call back and ask for 3k

Message 25 of 54
CreditCrusader
Valued Contributor

Re: Score for Apple Card


@Ortz33__ wrote:

I also had 10 years of history and AAoA at 6 years.  Still even now, tempted to call back and ask for 3k


Brother, I can only speak for myself...and I feel blessed to be approved for what is, in my estimation, a card that is a shade from prime with a 654 TU score. I'm fully prepared and happy to garden this (and a couple others I recently opened) for 6-12 months and see where the auto CLI takes me. I suspect as the accounts age and util is paid down, Barclays will reward us in due time Smiley Happy

In my wallet: Local Credit Union $25,000, Northwest Bank VISA $25,000, AMEX BCP $10,000, Discover IT $10,000
Message 26 of 54
Ortz33__
Frequent Contributor

Re: Score for Apple Card

Right on.  There is supposedly an Auto CLI or check at the 6th statement i hear

Message 27 of 54
idream4success
Established Member

Re: Score for Apple Card



Umm...about that experience...persistence pays...was approved with $1,500 limit after second recon call to explain that my auto dealer had run 25 (that's TWENTY-FIVE) pulls through various lenders AFTER my auto deal was signed, sealed and delivered.

 

Rep asked a few more questions ( verified income, circumstances behind BK7)...approved me :smileyvery-happy:

 

Why would they shotgun your scire like that!!! Robot surprised


Starting Score: 596
Current Score: 669
Goal Score: 750


Take the FICO Fitness Challenge



City Of Brotherly Love.... and choke artist pro teams.
Message 28 of 54
idream4success
Established Member

Re: Score for Apple Card

Sorry if this is a dumb question. If you get approved for 1500 for a new macbook, would that kill your utilization ratio once you make you purchase and Max out the card. Again apologies for the newbie question.


Starting Score: 596
Current Score: 669
Goal Score: 750


Take the FICO Fitness Challenge



City Of Brotherly Love.... and choke artist pro teams.
Message 29 of 54
CreditCrusader
Valued Contributor

Re: Score for Apple Card


@idream4success wrote:


Umm...about that experience...persistence pays...was approved with $1,500 limit after second recon call to explain that my auto dealer had run 25 (that's TWENTY-FIVE) pulls through various lenders AFTER my auto deal was signed, sealed and delivered.

 

Rep asked a few more questions ( verified income, circumstances behind BK7)...approved me :smileyvery-happy:

 

Why would they shotgun your scire like that!!! Robot surprised


Believe me, they feel as bad as anyone else about it. The dealership is contacting all the superfluous inquiry sources for removal (2 are already gone...and it's only been three days since I notified them).

 

However, this marks the importance of being able to actually talk to someone about it. The credit analyst completely understood and told me that it happens on occasion. In the end, no harm done as long as the other 23 are removed Smiley Happy

In my wallet: Local Credit Union $25,000, Northwest Bank VISA $25,000, AMEX BCP $10,000, Discover IT $10,000
Message 30 of 54
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