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Apple Card Now Available to All Customers in United States

bigjnyc said:
Doesn't that lower your credit score? Closing an account? Or is that an old wives tale? Do they not give you the opportunity to see the terms and CL before agreeing to apply for the card?
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I had second thoughts. No big deal:) I hope you enjoy yours;)
 
cra_cra said:
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Yes happened to me the first time. Just re-do it. When you go take pictures of your id, make sure it's tight and not blurry and there is no light reflection bouncing off it. Also solid background.
Mine went through the second time.
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The Citizen One website is a bit cumbersome and I don't even know if I would have received the 3% anyway since I made Apple Card the default payment method, I just wanted to make sure. The payment was due today and I received 3% daily cash.
 
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chrisbru said:
If they are all 3% daily cash vendors, that's only $1542 spent during March. I mean, yeah, $526 at Bloomingdale's and $578 at Apple in the same month is higher than average discretionary income, but it's not super rich or anything.
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They are showing cash back from only two days of high expenditures. They are obviously implying that if this level of spending is done for the whole month, the cash back amount will be fantastic. Typical marketing scheme, not telling lies but getting the potential average customer to extrapolate the potential benefits that many have no hope of attaining.
 
cra_cra said:
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Yes happened to me the first time. Just re-do it. When you go take pictures of your id, make sure it's tight and not blurry and there is no light reflection bouncing off it. Also solid background.
Mine went through the second time.
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Was after I put my social security number in
 
joeblough said:
my credit score was 813 and i also got 12.99 but with a 40k limit - the limit has to be tied to income rather than credit score.
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It's tied quite a bit to debt to income ratio as total minimum payments costs across all accounts and loans. All debt, card, loans, cars, homes etc.... Make 100K but have 6K in monthly payments not a good limit. Have 150K income and 4K in total monthly payments across all debt higher limit.
 
MacBird said:
I changed the payment method to Apple Card and got 3% daily cash.
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It requires watchOS 5.3 and you would need an Apple Watch that is supported.
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Weak. I can add any card in the world. Except for Apple’s card. I’m really glad I didn’t get that $17,000 rose gold original Apple Watch now...
 
blunti said:
While I normally wouldn’t care due to the fact that all my other credit cards have a 35k+ credit line, but with an $8,500 credit line from GS that I got I can’t even buy a new mac pro when it comes out or any other high end apple workstation for that matter...
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Fair point, and I am vaguely in the same boat. However, I have no intention of buying a Mac Pro or Pro Display XDR so not really an issue for me, personally. My limit is enough to cover any Apple device up to and including the iMac Pro (which itself is overkill for what I need).

And for the moment, as long as my Apple Rewards Barclaycard continues to allow 24 months Same as Cash, it will be my continued go-to for any major ($999 plus) Apple hardware product purchase. And it does have the limit to handle a Mac Pro and XDR display. :cool:
 
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Have any other new cardholders had any issues with getting into the Card Information section within the Wallet app? I’m constantly getting a message ‘Account Services Unavailable: Apple Pay services are currently unavailable. Please try again later.’
 
I was turned down.

Credit score of 825 and no debt (we own our home and cars outright).

Reason: "A bank has recently closed your account"

The irony is that was a savings account I closed months ago to open a new Marcus by Goldman Sachs saving account and CD.

*sad trombone*
 
Timemaster said:
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.
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Wallet? I use my watch or phone to pay for most everything. But I understand your logic!
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highground said:
I was turned down.

Credit score of 825 and no debt (we own our home and cars outright).

Reason: "A bank has recently closed your account"

The irony is that was a savings account I closed months ago to open a new Marcus by Goldman Sachs saving account and CD.

*sad trombone*
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Oh no! Curse the algorithms of decision!
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antnard1 said:
Have any other new cardholders had any issues with getting into the Card Information section within the Wallet app? I’m constantly getting a message ‘Account Services Unavailable: Apple Pay services are currently unavailable. Please try again later.’
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No sir, just moved mine from Default to last, then back to default. Currently $0.00 owed. Lunch is soon, that will be changing. Look at me, excited about adding debt just to see how it changes all the little numbers in the card section. So silly.
 
There are so many naive (stupid) Americans out there.

1 - Interest rate? If you can not pay your bill, don't buy stuff. Paying interest is crazy.

2 - Quick notifications? Almost all of my credit cards send me an email within a minute of charging something.

3 - Sign up bonus? Most cards have great signup bonus - often worth well over $500.

4 - I just do not get it. I really do not get it.
 
jbachandouris said:
My titanium Apple CC will be delivered today. Not sure how much use it will get as I was one of the 23% interest people.
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Ouch. From the reading I'm gathering you need to make over $250k, be a youtube star, divorced three times and not own a house on the water. Credit rating didn't seem to matter at all.
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nostresshere said:
There are so many naive (stupid) Americans out there.

1 - Interest rate? If you can not pay your bill, don't buy stuff. Paying interest is crazy.

2 - Quick notifications? Almost all of my credit cards send me an email within a minute of charging something.

3 - Sign up bonus? Most cards have great signup bonus - often worth well over $500.

4 - I just do not get it. I really do not get it.
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Statistically, there are 29,645,648.37 of us.
 
So goofy - my FICO score is 838 and my income is well into the 6-figures. I have no debt. $7,500 credit limit and 17.99% APR???

It could be because I have an REI Mastercard with some asinine $24,000 credit limit and another AMEX with a $15,000 credit limit and they just don't want to extend me even MORE revolving credit.

What does it take to get the 12.99% APR!?

I'll still accept it of course because I don't really care about interest rate since I don't carry a balance and the limit is more than enough.
 
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bigjnyc said:
Doesn't that lower your credit score? Closing an account? Or is that an old wives tale? Do they not give you the opportunity to see the terms and CL before agreeing to apply for the card?
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Part of your credit score is based on age of accounts. So if you close an account that brings your average account age down then it can lower your score.
 
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Exile714 said:
780, $250k-ish income (joint, remember to read the fine print and spousal income counts). I got 12.99/$7500.

I wonder if it has more to do with the ages of accounts and other factors there. I’m definitely not in the 800+ range simply because I and my spouse have massive student debt (not complaining at all, just pointing out the drag on our credit). But I’m in my mid-30s and maybe have a longer history? Who knows, but it doesn’t matter to me because carrying a credit balance and paying interest is not something I would ever do.
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795, 118K income (joint). I got 17.99/$9,000. My wife got approved for 12.99/$9,000 on a 813 score. All bills are in my name and I paid off my student loans in full a few months ago which lowered me from an 815 to a 795.
 
Dynamite_Rave said:
795, 118K income (joint). I got 17.99/$9,000. My wife got approved for 12.99/$9,000 on a 813 score. All bills are in my name and I paid off my student loans in full a few months ago which lowered me from an 815 to a 795.
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Crazy! I'll bet my wife gets 12.99%, because Apple knows she will kill that thing every month! Kidding honey, I love you!
 
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mattster16 said:
So goofy - my FICO score is 838 and my income is well into the 6-figures. I have no debt. $7,500 credit limit and 17.99% APR???

It could be because I have an REI Mastercard with some asinine $24,000 credit limit and another AMEX with a $15,000 credit limit and they just don't want to extend me even MORE revolving credit.

What does it take to get the 12.99% APR!?

I'll still accept it of course because I don't really care about interest rate since I don't carry a balance and the limit is more than enough.
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I have similar stats (6-figure income, 835 FICO score, zero cc debt, only thing I owe is a home mortgage) and got 12.99APR and $10,000 limit. I was surprised my limit was so low as I have 1 card with a $40,000 limit and another with a $30,000 limit.
 
cra_cra said:
A rip off and a joke? Please explain....

I made $900 last year on my Capital One at 1.5%. Pay it off every month. No interest.
So with the Apple Card, I'll 3% on my monthly Apple stuff, and 2% on Apple Pay.

So explain to us "dummies" how this card is a rip off and a joke?
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Exactly. Never going to do worse than Quicksilver, better integration for Apple ecosystem users, potential for 3% on certain purchases, and since nobody is silly enough to run a balance the rate you get really doesn't matter. As long as you get over 6k or 7k limit, this card should be highly usable and advantageous for the vast majority of people out there.
 
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960design said:
Just got mine:
17.99% with a 800+ credit score and over 100k / year income.
My only debt is my house and it is currently worth twice what I owe on it.
How the heck do I get 12.99%? Million / year income?

I pay off my current Amazon credit card every month. I use it for everything to get free books!
I think this card it a bit out of my league.
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I was offered 12.99% APR w/

- 800+ CS
- 100K income

...but a $7.5K limit.

LOL. That low limit makes it less than ideal and quite strange. I struggle to see how I'd use this anymore than my Amex Blue Preferred.

Current setup:

Amex Blue Preferred: Groceries, general shopping, streaming subs
Chase Sapphire Reserved: Travel, dining out, foreign transactions

Meh.
 
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