apple card denied reddit
Vantage 30 is 65. Hey fellas 3 and a half months ago I applied for the Apple Card.
I M Furious Just Declined For An Apple Card With An 819 Credit Score And Mid Six Figure Income I Just Need To Rant About It R Applecard
Is that the so called invitation.
. I have a past due that is over 4 years old. My wife who has far worse credit history than I do far more missed payments etc got approved at a low APR but for myself who. When I applied for the Apple Card it was for one reason and one reason only.
Goldman Sachs pulled TransUnion with a score of 680. The proportion of your credit limit you have used and paid is not sufficient. As soon as the transaction went through my card balance changed to 942 and.
Just because you apply though doesnt automatically mean youll be accepted. I got rejected but was invited to the path to Apple Card for a 4 month duration. If that wasnt blatantly obvious to everyone already.
Press question mark to learn the rest of the keyboard shortcuts. Applications are approved or denied by Apples financial partner Goldman Sachs and that institution may reject your application for the following reasons. Apple Card denied - due to recently been past due.
They usually would send u a path to Apple Card. So seems theyre still denying people. The one and only reason it was denied was because.
Highly utilized on too many bankcard trades recently or insufficient information on bankcard trades. Youre currently past due or have recently been past due on a debt obligation. I keep getting the response that Im being denied due to my monthly debt obligations are too high given your income - examples may include loan or monthly.
So Ive applied for the Apple Card about 7 or so times over the course of the last three or so weeks. You have recently been past due but I havent since 2013 18k in open credit lines util 1 at last. My FICO Score according to the same email from Apple is 723 which I think is more than enough for.
Press J to jump to the feed. The Reddit AppleCard forums have multiple data points confirming. Which of course is totally normal when you apply for any credit card.
Apple Card - denied due to inactive account Granted this isnt the end of the word but I really dont get the reason. The Great Apple Card Decline Thread. I received denial of recent past due with 718 TU score and 131000 income.
3 return in Apple Cash on Apple purchasesBetween upgrading to the iPhone 11 eyeing the new AirPods Pro and. There could be any number of reasons why your Apple Card application may have been declined. Just try once a month until youre approved since its a soft pull until you accept an approval.
Ago and it was instantly denied. So heres some DP for those who might be interested. Path to Apple Card Invitation to reapply.
I have a question. Have CSP with 22400 limit and with 3 util and really dont know what they are looking for as far as customer base. 3 months and 11 days in I received an email from Experian titled.
I got an invite to apply this morning went to apply as soon as I got the invitation. Any more than 2 a month I believe and you can get locked out from applying for 30 days. Some people on Reddit claim their Apple Card applications have been declined.
See your credit limit offer for Apple Card. Goldman Sachs 1 uses your credit score your credit report including your current debt obligations and the income you report on your application when reviewing your Apple Card application. My suggestion is to get a secured card from discover wait 2 months and then get a secured card from Bank of America multiple early on is good in case 1 gets closed then wait till your next birthday and apply again.
Lets see if we can get some data points on what GS doesnt like for future applicant consideration. Once you opt in youll receive monthly updates on your progress via email covering your success in tackling credit roadblocks like settling past due balances making on-time payments on your. The Apple Card is slowly rolling out to American consumers on a limited basis.
Apply for Apple Card walkthrough here or alternatively check out the tips below. Learn about the key criteria used to determine whether your Apple Card application is approved or declined. Today is October 24th 3 days after the one Goldman sent me but it doesnt make a difference because CreditKarma updates their scores every 7 days and as you can see the score for TransUnion.
Opened a high proportion of trades recently. You have recently been past due. You will likely be denied again but placed on the Path to Apple Card and then you can get the card 6 months after that.
How your Apple Card application is evaluated. If youre declined look out for an invitation for Path to. Not sure if its 30 days from your first attempt or second.
Sign in to view your Apple Card balances Apple Card Monthly Installments make payments and download your monthly statements. As of June 30 2020 if youve been denied the Apple Card you may see a notification on your device offering you the opportunity to join the Path to Apple program. I decided to volunteer as a tribute and requested a CLI a couple min.
Goldman Sachs is approvingdenying CLIs instantly now. The system Apple uses to approve or deny Apple Card applicants is a black box so we reached out to learn how Goldmans algorithm works -- and its not AI. A lot of posts about approvals here but not many about denials.
I applied for an Apple Card and was denied due to the following reasons - Too many inquiries.
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