Apple Card Weird Reporting

[Anonymous]

It's now the 21st of June and my Apple card hasn't reported to EX or TU but reported to EQ on the 10th. The last update prior is showing 4/30. What's with them?

[hawkins]

This is a common problem unfortunately. I have grown a bit frustrated with GS and their lack of being able to report things correctly and on time. They want you to spend spend spend on the card to even get a CLI but wont do what is needed for people to keep UTI down ect... Some months they even just skip reporting all together at least in my case. A pain in the you know what. They claim they are moving faster to report and some times they actually did do it faster but that seems to vary month to month with them. 

[phoenix12]

The same thing is happening to me. However, it did not report to EQ for me until 6/20. I am still waiting on TU and EX to update as well. I want to assume that because EQ reported that GS has sent the report out already and that it's just a delay on the bureau, but knowing their reporting track record it's hard to assume such. I only have my Apple Watch on the card, and I am going to just pay off the installment plan early and put the card in the drawer. It's not worth putting anything on it because of issues like this... 

I'm not sure if I will file a dispute with TU and EX to try and get my utilization down a bit. I'll try and wait out the rest of this week. I wonder if anyone else in the forum are having issues like this as well, or if they have more insight regarding this awful reporting of GS.

[Anonymous]

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@Anonymous wrote:

It's now the 21st of June and my Apple card hasn't reported to EX or TU but reported to EQ on the 10th. The last update prior is showing 4/30. What's with them?

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I'm in the same position with my Apple card. A lot of my accounts haven't been reporting in a timely manner lately though. And often times once they do report the report date will be a week or more in the past. I'm not sure if the reporting delays are the fault of the CC companies, the CBs, or both. But, at least for my profile, it doesn't seem to be an isolated occurence.

[growthadvocate]

Sadly, you're not alone @Anonymous @hawkins @phoenix12 @Anonymous this isn't an isolated incident.

I posted several months ago about my frustrations with the lack of accountability and consistency from GS.  Unfortunately, while things have improved, they're still not at a level one would expect from a large financial institution.

As far as June's reporting, I personally received an update with EQ, but did not with TU or EX.  I was patiently waiting, and after making several calls to GS, EX and TU decided that if I needed it updated this month, I would need to take action myself. 

My EQ was reported on June 10th.  GS stated that they sent all 3 bureaus the information on the same day.  TU and EX stated they did not recieve anything in June from GS.  I'll add, several other of my accounts updated with TU and EX as scheduled during this time without issue--while I know the CRA's can have delay issues at times, it wasn't the case this month.

Personally, I planned a couple of app's this month and it was important to get my Apple/GS account updated because I needed the balance to be updated prior to my spree.  Unfortunately, I did not PIF in April.  Lesson learned.  Of all accounts, this is certainly an account to be PIF every month, given the inconsistencies, you never know if they will report each month.  So if you carry a balance one month, you may be carrying it for consecutive months.

I was fortunately able to upload my June statement for TU and EX to review.  They then updated the account information to reflect the changes.  It took some effort on my part, but I was able to get this done rather quickly.  So if any of you need the account updated because of financing reasons of your own, know that you can get it resolved if you put in the time.

Meanwhile, don't expect GS to resolve this anytime soon.  I've had more conversations with tier 2 and 3 managers than I'd like re: reporting issues since opening the card.  My advice if you already have the card, PIF if you use it.  For those that don't have the card, there are better cards available.

[blindambition]

The GS Apple Card has always been wonky, which is why I have it paid off before statement close. Don't have to deal with it.

I'm sure it's mostly GS, but CRAs have their own issues during COVID.

[Anonymous]

I've filed a case with Apple and also with the CRA. They agreed that after 30 days without an update you can file. Like someone recently said in the replies, I'm just going to keep it at zero before the statement ends and be done with worrying about when they will decide to report. 

[phoenix12]

As of today (06/25/2021), the Apple Card has reported to TU. Still waiting on EX. But, at least my TU and EQ have been completed. I still have an open dispute with Experian, but hoping with TU updating that means Experian shouldn't be far behind. Definitely learned my lesson with this one and will PIF from now on. 

[Anonymous]

I'm in exactly the same boat. EQ and as of a few days ago TU are showing my updated info. But still no EX. I've submitted a dispute with EX and Appke card support. 

[Anonymous]

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@phoenix12 wrote:

As of today (06/25/2021), the Apple Card has reported to TU. Still waiting on EX. But, at least my TU and EQ have been completed. I still have an open dispute with Experian, but hoping with TU updating that means Experian shouldn't be far behind. Definitely learned my lesson with this one and will PIF from now on. 

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+1. Same thing with my profile. Just started showing on TU today but shows report date was 6/10/21. Still no updates on EX.