iPhone 11 Annual upgrade w/new Apple CCard = 2 hard credit pulls?

dmaxdmax

macrumors 6502a
Original poster
Oct 26, 2006
675
128
This would make sense but I want to make sure I’m not missing anything
 

jarman92

macrumors 6502a
Nov 13, 2014
524
1,000
As in 1 for the card and 1 for the loan/upgrade program? Definitely, since the card is done through Goldman Sachs and the upgrade is done through Citizen's Bank.

But it doesn't really matter, since FICO treats all "hard" pulls within (I think) 45 days as a single pull.
 

dmaxdmax

macrumors 6502a
Original poster
Oct 26, 2006
675
128
As in 1 for the card and 1 for the loan/upgrade program? Definitely, since the card is done through Goldman Sachs and the upgrade is done through Citizen's Bank.

But it doesn't really matter, since FICO treats all "hard" pulls within (I think) 45 days as a single pull.
I know that multiple pulls for a specific use are treated as a single - 4 mortgage lenders etc - but I don’t know if it applies across categories. 1 mortgage + 1 auto + 1 phone.
 

danilko1

macrumors 65816
Jun 21, 2010
1,032
303
Thats why I paid in full... Apple should have a special program, similar to Home Depot, no interest for 24 months on an iPhone purchase with the Apple Card. That would make sense.