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Apple Card; How much of a hard hit to your CS?

AMTYVLE

macrumors 6502a
Original poster
Sep 23, 2014
625
454
Treasure Coast, Florida
I'm thinking about applying for the Apple Card. My credit score is excellent and Apple states a hard hit to your credit score will only apply if you're approved for the Apple Card. Knowing that I will be, does anyone have a ballpark estimate of how many points your credit score will decrease when approved, obviously this is different for everyone....
 

bbates123

macrumors 6502a
Jul 2, 2010
654
560
Like many people here I didn't take a hard hit at all. I unlocked my Transunion credit before I applied and then re-locked it after I was approved. They didn't try to do a hard hit till later that night at which point the credit was locked so it didn't go through. The good news is no impact to my credit score at all...the bad news is it's kind of scary that you can open a credit card without a hard hit.
 
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myscrnnm

macrumors 65816
Sep 16, 2014
1,416
884
Seattle, WA
That sounds annoying. I thought the standard hit for a hard inquiry was just up to five points.
That's what I thought too, certainly not more than ten points. I wonder if other factors affected my score during that time, but my spending has been pretty consistent between each month. Oh well, I'm sure it will recover in a few months' time. It's not as if I need a loan anytime soon.
 
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mattopotamus

macrumors G5
Jun 12, 2012
13,874
4,417
Like many people here I didn't take a hard hit at all. I unlocked my Transunion credit before I applied and then re-locked it after I was approved. They didn't try to do a hard hit till later that night at which point the credit was locked so it didn't go through. The good news is no impact to my credit score at all...the bad news is it's kind of scary that you can open a credit card without a hard hit.

I came here searching for this answer. I was in the initial beta and never received a hard pull. I was under the impression it was a soft pull for the solicited offer, but a hard pull once you applied. I guess I got lucky? I never had a hard pull hit my account on any of the three bureaus. Maybe the soft pull gave them the info they needed? I have never had this happen with a credit card.
 
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bigjnyc

macrumors 604
Apr 10, 2008
6,608
3,962
My wife applied and her credit score went up 3 points right after.
 
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