Apple Card Bad Credit

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by Jack Neill, Aug 18, 2019.

  1. Jack Neill macrumors 6502

    Jack Neill

    Joined:
    Sep 13, 2015
    Location:
    San Antonio Texas
    #1
    I have a FICO of around 550, when I applied for the card it was denied but I had the option of sharing with GS the amount of Apple products and services tied to my Apple ID and I was then approved. I got 250 and 23.99. Pretty happy actually since I want to fix my credit and I think this card will help. First credit card I have had in 20 years.
     
  2. prestigiouswireless macrumors member

    prestigiouswireless

    Joined:
    Aug 15, 2019
    Location:
    California
    #2
    That’s good news! Makes it seem like it’s a person giving final approval versus a machine
     
  3. BasicGreatGuy Contributor

    BasicGreatGuy

    Joined:
    Sep 21, 2012
    Location:
    In the middle of several books.
    #3
    What is GS?
     
  4. BigMcGuire Contributor

    Joined:
    Jan 10, 2012
    Location:
    California
    #4
    My guess is Goldman Sachs.
     
  5. Jack Neill thread starter macrumors 6502

    Jack Neill

    Joined:
    Sep 13, 2015
    Location:
    San Antonio Texas
    #5
    Yeah, that's what I meant.
     
  6. BasicGreatGuy Contributor

    BasicGreatGuy

    Joined:
    Sep 21, 2012
    Location:
    In the middle of several books.
    #6
    I have never heard of that kind of condition being offered before.

    I asked to be notified by Apple and still haven’t gotten a email invite.
     
  7. Jack Neill thread starter macrumors 6502

    Jack Neill

    Joined:
    Sep 13, 2015
    Location:
    San Antonio Texas
    #7
    I never got an invite email either, I did sign up for one tho. I went to the wallet and Apple Card was an option for adding as a payment option.
     
  8. AustinIllini macrumors demi-goddess

    AustinIllini

    Joined:
    Oct 20, 2011
    Location:
    Austin, TX
    #8
    Good deal OP. Now use it responsibly and you'll get that credit up!
     
  9. FireFish macrumors regular

    FireFish

    Joined:
    Sep 12, 2007
    #9
    First Card in 20 years? How do you have such a low score then? Bankruptcy?
     
  10. Jack Neill thread starter macrumors 6502

    Jack Neill

    Joined:
    Sep 13, 2015
    Location:
    San Antonio Texas
    #10
    In my 20's I was young and dumb and thought a credit card was having money. I screwed up the first credit card I got. I also was finically unstable and made some pretty poor financial decisions. I got smart and only bought things I could pay for in full. I paid cash for everything. Now that I have this card, I am paying it off almost after every purchase. By this time next year Im hoping my FICO will be solid enough to buy a house. Thanks Apple!
     
  11. swandy macrumors 6502

    Joined:
    Oct 27, 2012
    #11
    Good luck to you. Hope you get that house
     
  12. Shark5150 macrumors 65816

    Shark5150

    Joined:
    Sep 24, 2014
    Location:
    Dallas, Texas
    #12
    What GS phone number did you call to discuss with them?
     
  13. Jack Neill thread starter macrumors 6502

    Jack Neill

    Joined:
    Sep 13, 2015
    Location:
    San Antonio Texas
    #13
    Didn't call anyone.
     
  14. Shark5150 macrumors 65816

    Shark5150

    Joined:
    Sep 24, 2014
    Location:
    Dallas, Texas
    #14
    How then did you share your information with them about the amount of products tied to your apple ID? I'm confused
     
  15. Jack Neill thread starter macrumors 6502

    Jack Neill

    Joined:
    Sep 13, 2015
    Location:
    San Antonio Texas
    #15
    It was a screen in the approval process in the wallet app.
     
  16. Shark5150 macrumors 65816

    Shark5150

    Joined:
    Sep 24, 2014
    Location:
    Dallas, Texas
    #16
    Ok. Thx man.
     

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15 August 18, 2019