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Apple Card Rolling Out Today to Limited Number of Customers

mattopotamus said:
I want to say it said, "income you have access to (spouse, retirement, investments)". Just like that.
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Gotcha, they def must have changed it. It said something similar, I believe it said if someone in your household has a joint account with you that you both make deposits in then you can include their income. It seemed as if they definitely wanted personal income over household as it's not a joint card we are applying for. I would have applied with household but my wife and I have two diff accounts, our paychecks direct deposit in our own. After all these years we never merged them to one lol.
 
I watched FED EX leave the envelope at my front door on my Ring App lol, so when I get home I will eagerly activate the card. Super excited. I have been using the card via Apple Pay since Wednesday, Already have $4.42 in Cash back posted onto the apple cash card. :)
 
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blueracer said:
hey guys, i never got an invite, but i hit the + sign and i got in. i just got approved, 7500 CL at 12.99 % interest!
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It's amazing that the interest rates are not consistent. I was approved with a $9,000 credit line at 17.99% interest.
 
M-Life said:
I did the same thing. I read it very carefully to see if it was asking for household or personal income, and everything seemed to be personal income. I probably got a lower limit because of it, but since I pay it off every month, I won't be hitting 7.5k anyway.
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I did the exact same thing which is most likely why with a 816 Trans Union Score I still only got a $7500 limit. I should have paid more attention last Wednesday when I applied and got approved and supplied our household income, That would have boosted it a good bit I am sure, but like you, I have charged about $350 on it since Wednesday but as the pending hold falls off, I pay it off anyways, back now at a $0 balance as of this morning. I am using this card to basically replace my daily debit card purchases.
 
Frehley said:
It's amazing that the interest rates are not consistent. I was approved with a $9,000 credit line at 17.99% interest.
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I was approved for $2500 with 17.99%, and my TransUnion FICO 8 is 779 (other two bureaus are reporting 795 and 803). But I've opened a number of new accounts this year, so lenders are likely to see me as a significant credit risk in spite of my scores and low credit-utilization percentage (below 6%), so I'm not the least bit upset by the terms I was offered.
 
LS3 POWER said:
I watched FED EX leave the envelope at my front door on my Ring App lol, so when I get home I will eagerly activate the card. Super excited. I have been using the card via Apple Pay since Wednesday, Already have $4.42 in Cash back posted onto the apple cash card. :)
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I know who's house I'll be visiting before they get home.
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LS3 POWER said:
I did the exact same thing which is most likely why with a 816 Trans Union Score I still only got a $7500 limit. I should have paid more attention last Wednesday when I applied and got approved and supplied our household income, That would have boosted it a good bit I am sure, but like you, I have charged about $350 on it since Wednesday but as the pending hold falls off, I pay it off anyways, back now at a $0 balance as of this morning. I am using this card to basically replace my daily debit card purchases.
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That is my plan as well. Everything will go on this card, but it will be paid off weekly or bi-weekly at most.

And we got the same limit with about the same score.
 
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Finally got the invite last night as well - didn't get approved though :( - planning on reapplying next week. My credit score isn't great, but it's higher than quite a few that have gotten approved and posted their #s. Denial reason (via email) was the generic "You have recently been past due" - when I have never missed a payment on any loan/card/anything ever. I'm at 100% on all 3 credit bureaus. I currently have about 50% utilization reporting (the cards have 0 balance now, they just haven't re-reported that to TransUnion yet). Once they do, I'll give it another shot in a week or two - good luck to all those that apply!
 
First new purchase! First of many! ;) 30CAAE0E-5EA6-4367-B581-99E7FD3D246E.jpeg
 
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Just got my email invite today. Silly to be excited about a credit card, but I've already made it my default payment card for the iTunes & app store purchases.

I'm kind of hoping they'll approve my college-age daughter when it goes public. The payment minder and balance display would be very helpful to her as she learns to budget on her own...
 
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The approval rates really have me wondering WTF, I've seen people with way worse scores/UTIL/inq etc and they got a better starting limit. I would love to know the insides of how they approve.
 
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Clockworkz said:
The approval rates really have me wondering WTF, I've seen people with way worse scores/UTIL/inq etc and they got a better starting limit. I would love to know the insides of how they approve.
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I honestly am thinking the starting limits are heavily based on the income you put. That is the only explanation for people with 800+ scores getting sub 5K and people with low 700s getting 10K+.
 
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Clockworkz said:
The approval rates really have me wondering WTF, I've seen people with way worse scores/UTIL/inq etc and they got a better starting limit. I would love to know the insides of how they approve.
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I've been wondering the same thing. There appears to be no consistency. Maybe they are just working out kinks. Keep hoping that I'll receive the email invite today and will try and re-apply. It just turned up yesterday afternoon for me in my wallet, applied, and got denied.
 
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mattopotamus said:
I honestly am thinking the starting limits are heavily based on the income you put. That is the only explanation for people with 800+ scores getting sub 5K and people with low 700s getting 10K+.
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Yeah I'm thinking that also but then there are those that show their info that kind of kick that thought in the balls for me. I don't know it might be age etc also that's considered. Who knows with these guys it might be like whats said above that it's random and they're working out the kinks.

Because my SL was absolute garbage.
 
synched said:
Congrats! How many days did it take for yours to arrive? I got mine approved last night but still waiting on getting some sort of email or notification on shipment.
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I signed up Wednesday evening, received shipment notification on Friday, received this morning (Monday) at 9:30 am.
 
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Davidhedge said:
A little update on my end with the denial for “recently past due” I’m beyond frustrated. Been on the phone with countless agents also just got off the phone with TransUnion and they said I’m 100% not past due on anything on my credit report. Just such a spit in the face to get denied for something 100% false. Also Goldman Sachs said they can’t do anything on their end everything has to go through the wallet app. They did escalate the matter but I’m pretty certain nothing will be resolved. I might as well just forget this stupid card and move on. Good luck to everyone waiting for invites though!
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This is 100% a TransUnion issue. TU supplies the 3 or 4 reasons your credit score wasn’t high enough for approval. Write to TU and get a paper copy of your report, that will be the best document to see what issues are dragging down your score.

Having inaccurate reasons listed isn’t all that uncommon, but once you get your hardcopy report you should be able to figure out why you aren’t scoring higher. Everything that contributes to your FICO score, both positive and negative, comes from that report and nowhere else.
 
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Matthewzilla said:
You guys think they'll launch tomorrow for everyone?
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I didn’t get an invite this week but happened to check my Apple wallet and sure enough I was given the option to apply. I know I wasn’t one of the early testers last week. I’m sure more are being rolled out this week. Btw I did get approved.
 
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