Tells you to use a dark background, but what worked for me is to use a white background. Placed it on a white piece of paper and then the scan worked....
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Apple Card Now Available to All Customers in United States
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Tells you to use a dark background, but what worked for me is to use a white background. Placed it on a white piece of paper and then the scan worked....
wow didn't know there was such a thing.. i thought they only did that for balance transfers.
I didn’t even have to take a picture of my driver’s license. I’m on iOS 13 developer beta though. Not sure if that’s why I skipped that step or something else.
Hmm, I believe in a prior post, that if you did not take the card by default and decide you want it later there was going to be a processing fee.
Looking to refinance our mortgage. Im wondering if I should wait to apply to the Apple Credit Card.
Also 17.99% for me with similar stats (no mortgage, however), but since I will pay it off every month, I don't really care about the interest rate.
Mine was 12.99% and $20k. Reasonable APR although I never carry a balance so don't care, and you are right, the limit was a bit low compared to other cards, but I didn't need even that much. Of course much depends on your income and credit score (mine is in the 837-850 range depending on who you ask and when).
I got it for the 3% at Apple since the BofA Premium Rewards is 2.625% at Apple and that is the floor (and minimum everywhere, up to 5.25% for some things - dining, travel).
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My Amazon card is metal, people always kinda weigh it in their hand when I give it to them. Not sure how the Titanium will compare.
The Apple card is a pretty cool concept and I would get it but I have a capital one Venture card that gives me 2% cash back on everything so I already use that card for all purchases and any bills that take card payments. I pay it off every month and I have a nice amount of cash saved up (about $4k) which I plan to use for a nice vacation next year. If the Apple card was 2% everywhere, including physical purchases I would consider switching to it after using up my capital one cash next year, but at 1% it doesn't make sense for me... to many non Apple-pay purchases.
I"m beginning to think the debt to income ratio is playing a bigger role. And of course, we don't know yet what credit agency they are using (Trans, Equifax, Experian). And even then which of the many scores in there.
I have much higher limits on my other cards than what Apple/GS provide. But, each of those cards I had over a long time and got limit increases way above the starting amounts.
Whatever formula they use to devise what the high limits will be to start. I'm sure if you use it like any other card, and request higher limits (if you so need). You're most likely to get it, as long as you have no other credit related issues.
Is that 840 across all agencies (Trans, Equifax, Experian)? Or just one, and of that one which score (Credit, Car, Mortgage, General loans, and of course score 3,4,5 8, or 9)? There is way too many to pick from to know exactly what they are using.
For sure wait! Your score will take a dip for a couple months, and could mean the difference in tens of thousands of dollars.
Yes, this is the place. Welcome!
PS. I care, I love statistics and crazy calculations.
Just a matter of doing the math. First, let's assume they used Apple Pay at all of these places, and not the physical card, to make the math easier and the costs lower, so that's 2% on all of the purchases, except the Apple Store one at 3%:
Bloomingdales: 15.78 @ 2% = $789.00
South Loop Market: 2.71 @ 2% = $135.50
La Colombe Coffee: 0.37 @ 2% = $18.50
Apple Store: 17.34 @ 3% = $578.00
Walgreens: 1.60 @ 2% = $80.00
Total Spend: $1601.00
So, if you routinely drop $1600 a month then sure, it's possible.
Personally, I could see people getting one of these specifically to use with Apple's services, like Music, TV+, Arcade, etc.., because the 3% back on those make sense. But it doesn't make as much sense on day to day transactions.
Anybody know how In App Subscriptions (like say, CBSAllAccess) get classified with the card? Are they considered an 'Apple' transaction at 3%? If so, then I might consider the card once it's available here in Canada, as 3% on those would be better than the 1% classification they fall into on my current card. $0.18 is better than $0.06 after all.
Those transactions took place over 1-2 days
Sorry, you said only debt was your house so I assumed that you didn’t have any other credit cards. The only other thing that I can think of is DTI? Or “lower” income? (I don’t need to know those, I’m just guessing. Although, it’d be interesting to have all this data and do some analysis on it sometime)
Their formula is baffling. I got a $7500 CL and 17.99 despite a 820 credit score. Doesn't really matter but it is a little strange.
Exact same situation as me. The logic is baffling. Maybe those with terrible credit are getting the good rates.
Or no one is.
I was declined with a nearly 800 score, so I’m completely baffled about how they are coming up with these decisions on rates and approvals.
I've been "entrapped" by Apple for the past 18 years without ever actually being tied to anything. Maybe it's the Stockholm Syndrome talking, but I don't plan on leaving, and if I do I'll just pay my credit card off beforehand.
Honestly I would take it and just leave it at home and not carry it. Something I have learned over the years it is a really nice to have at least 1 CC that is not in your wallet because if/when you lose your wallet you are not locked out of access to money for those few days it takes for everything to get replaced.
The Apple CC honestly seems like an ideal card to leave at home in a desk drawer that you use incase of emergency if you loss your wallet. I will tell you from experiences it sucks big time because last time I lose my wallet was like 1-2 day before I was going out of town for the weekend. I could get by with out my ID but I kind of needed money to be able to drive or refill my car. Now I was lucky and had access to a card my mom owns that I was an authorized user on so I drove to her house and got that one. Had to of course pay back my mom for those few days but yeah.