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Apple Card Begins Arriving to Customers, Wide Range of Credit Scores Reportedly Being Approved
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Alsoooooo I wonder how much student loans neg affect your credit score...? Cuz uhh...
I have a 706 credit score but was denied because I have student loans on my report, even though I don't have to make payments on them yet
Dang. That will suck for tracking everything. Sometimes Apple just refuses to understand that they're not the only solution people use. They just refuse to integrate their products into any other workflow outside of their own.
So I get an email. "Your invite to Apple Card is waiting." It links back to the Apple website Apple Card page and asks to input the "Notify Me". This makes 3 times that I've entered that info. Still no actual invitation.
Funny... I just received the email notification and my card has been active since last Thursday
I'm retired a Firefighter. FICO score of 850. mid 5digit income. Got $10k 12.99%
I have several cards the same amount, and several over that. They gave me what I expected they would.
Seems like their approvals are beyond our logic
I am amazed at how many Apple fans who frequent forums never carry a balance on their credit card and have high FICO scores. Mac users must be doing something right...
My FICO score was 625 in 2006 right after I retired. Had 25k in credit card debt. I started reading every budget article I could find. And settled on the Envelope system, paying everything in cash. So I could see where my money was going. Gave top priority and paid off my credit cards. Finally got my score up to 800 in 2010, it's been 840-850 since 2012. I never paid interest again. After a stressful career, I'm now living stress free life.
Yeah some of my other reward cards have higher interest rates but it doesn't matter to me because I never carry a balance.
So far Pink: Entertainment, Blue: Transportation, Yellow: Shopping
Have not made enough purchases yet to figure out the rest lol.
Well I applied, and turned down the offer. Not worth it.
5k at 24%. One of my CCs is $20,000 and 17.99% so idk what the issue is.
5k at 24%. One of my CCs is $20,000 and 17.99% so idk what the issue is.
You know what .... “u got a frieeeen’n’meee” hahaha completely kidding but couldn’t resist the joke.
Great credit..... so what’s your next big purchase?
Anyone know if the "Invite" has an expiration date? I'm in the process of refinancing our mortgage to a shorter term and taking advantage of lower rates, so I can't open up any new credit account until that closes (probably a couple of weeks away). I'm mean I'm sure Apple/Goldman Sachs want as many consumers as possible - however I wouldn't put it past them to expire the invite and have some other process in the future.
There will be no expiration date, as it will go to a full release to everyone sometime soon. So you won't miss anything, and smart to wait.
I wasn't going to get the card but after a few adult beverages last night (my birthday) I decided to check it out and ended up getting it. They said my score was an 814 and I got approved for $9k and 17.99%. I don't keep balances so the percentage rate isn't of concern.
It is best to have a few “adult beverages” before dealing with Apple these days.
. Good for you. All the best.
The high percentage reminds me of that short lived, yet absolutely hilarious looney tunes short with the shark and piranha where the shark would always say “e-Gotch’ya!” Lol.
FYI, using physical card at Apple Store or card numbers at apple online/services still gives you 3% cash back.
Where are you? Because Capital One is one I know do real time EOM reporting. I have Amex, Chase, Barclay, Citibank, etc and have daily credit monitoring with myFICO and no it’s not my End of the month balance that reports, it’s what remains unpaid the day after my statement close dates. Amex gets froggy sometimes and may do a mid cycle balance report