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Apple Card Begins Arriving to Customers, Wide Range of Credit Scores Reportedly Being Approved
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How?
It's no different than getting a name out of the phonebook and then guess if the person has an Apple Card.
Which will probably be ubiquitous in the states within Months/years.
There are also many people with the same name.
Your statement is nonsense.
Just a correction. It’s the end of the month for everyone. No billing cycles.
I suspect some of the scores posted translate to an 811 on the Dewy Decimal score.
I've been thinking about this and I'm not sure you are correct. When I applied, it was very quick and easy. Apple already had all of my info, and self-populated all the fields. All I had to do was verify the last four digits of social security, and enter updated income amount. So Apple had all my info, which they provided to Goldman. What other information is Apple providing them? It seems plausible that they could have an evaluation (based on past customer history) of how valuable of a customer you are. And Apple certainly is aware of how a denial of credit could create a potentially unhappy customer, with lasting resentment.
Could part of their partnership agreement not be that Apple gives an indication of who/when they prefer someone is approved? As evidenced by the fact that some people were required to submit identity verification and some were not, at a minimum the info Apple provides contains a determination of trustworthiness in that regard.
Other articles mention that Steve Jobs, back when he was pursuing a card, wanted everyone to be approved. That wasn't feasible, and probably helped kill the plan at that time. While Apple now is more realistic about it, I could see them reaching an agreement with Goldman about this. It could very well be one of the reasons several other major institutions balked and passed on the partnership with Apple.
Lmaoooo you guys just don’t rest huh? If MacRumors posts a topic about an iPad Mini would you go in and say “the iPad Pro is better”?
Just give it a breakkk. We donttttt careeeee aboutttttt otherrrrrr cards!
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And you will continue to be lost. At this point you should stop trying to figure it out and just post in other threads. Y’all hate the card so much yet are all over threads about it...
That is what makes no sense.
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American credit cards don’t have PIN numbers. This one does not have a PIN number. Only a card number, expiration date and CVV.
I feel a little guilty because I only signed up for notification two days ago, and then got the invite just hours after. So when I read from people who had signed up a long while back and are still waiting I feel bad. And I waited till the morning to apply... I was hesitant because I recently made a couple big payments to other cards, which would greatly improve my credit utilization, and wondered if I should give it time for that to reflect in my credit report.
Um, no. People are way into debt because they spend money they don’t have. If Apple’s prices are too expensive for you, then *brace yourself* don’t buy the Apple product! Instead, save your money, and when you have enough, buy the product with your card, pay it off immediately through the wallet, and enjoy the 3% that you get back. Oh, and enjoy the fact that your hardware/software experience will be fabulous for a much longer time than any of Apple’s competitors. Simple.
$40K?! Goals! Lol. My AMEX is $31K. Apple Card is $5K.
I love the way Bestbuy does it. Most importantly, their website is very clear about your balances, and when promotional balances end... unlike others that make it very hard to know (I had one that wouldn't tell you online, it said you had to refer to the paper statement).
TheYayAreaLiving 🎗️
Suspended
Paid of is paid off. you have that wheel of fate that you can use. I prefer to pay off or down every payday. Plus it improves you score.
Probably because of the balance on my Sapphire Reserve. Also there’s a late student loan payment from 2013 that’s on my report that will be gone next year.
the ones without the coating are slightly lighter. My wife still has the one with coating (it was the launch cards when they started going metal). It noticeably is heavier; however, the etching on name/card number is not as clean.
Yes, but $300 of that $450 is returned to you when you make travel purchases.
Agreed. The Apple Card seems like it gives some really nice tools to the end user.
Oh I know, but some people get hung up on annual fees even though you make most of it back relatively easily. That’s why I was pointing out the CSP as a fantastic card with only a $95 annual fee, but a $750 sign-up bonus. I make my Amex BCP’s annual fee back in two-three billing cycles.
850 credit score 12.99% APR and a 60k limit here. But I spend that in aftershave in a week.
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Make sure any payment is posted with the lender before they run their credit bureau reporting process (so they report the most accurate balances)...which is typically after month end processing or within a few days thereafter.
Anyone know if it supports chip and pin? I’ve been looking for a US based card that does for foreign travel...
They do, but it is optional. It is needed when using the CC for getting a cash advance from an ATM.
The Chase card is a travel card. The Apple Card would be 2% and no fees if using ApplePay a lot in foreign countries. That’s solid. The Citi Double Cash is a terrible card to travel with despite its 2% cash back.
Again, the key is how you’re using it. They 2% for ApplePay is very appealing. Name another card offering 2% all over the world at that many locations.