apple card denied reddit

I applied for an Apple Card and was denied due to the following reasons - Too many inquiries. Apple card denied over closed checkingsavings.

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The resolution was to freeze your ChexSystems report and then try again 15 minutes later.

. Apple Card offers 3 cash back at a host of stores including its own and 2 everywhere else when paying with Apple Pay all without charging an annual fee. Too many are trying to obtain one for no other reason than the status they perceive they receive by letting others know they have it. If that wasnt blatantly obvious to everyone already.

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. Which of course is totally normal when you apply for any credit card. Just because you apply though doesnt automatically mean youll be accepted.

The Great Apple Card Decline Thread. There are many reasons why an Apple Credit Card application was denied and the issuer must provide those reasons. They usually would send u a path to Apple Card.

However one of main reasons is not meeting the credit score requirement a score of at least 700. As the issuing bank Goldman Sachs. 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.

You have recently been past due but I havent since 2013 18k in open credit lines util 1 at last. 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. Then you can make other purchases and update your apps including free apps.

Not sure if its 30 days from your first attempt or second. 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.

Deleted 3 yr. Learn about the key criteria used to determine whether your Apple Card application is approved or declined. 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. I have a question. How your Apple Card application is evaluated.

Highly utilized on too many bankcard trades recently or insufficient information on bankcard trades. My FICO Score according to the same email from Apple is 723 which I think is more than enough for. A lot of posts about approvals here but not many about denials.

Applications are approved or denied by Apples financial partner Goldman Sachs and that institution may reject your application for the following reasons. 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. If I wanted to charge my new iPhone 11 Pro Max to the Apple Card I would need to the input the cards number on the terminal.

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. You can add multiple payment methods to your Apple ID. If you use Family Sharing and Purchase Sharing is turned on the.

Your payment method will be charged for the unpaid balance. Im July my denial said A bank recently closed your account or something to that effect. So Ive applied for the Apple Card about 7 or so times over the course of the last three or so weeks.

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. Opened a high proportion of trades recently. After looking into the topic on here and Reddit- many people got the denial for the same reason.

Any more than 2 a month I believe and you can get locked out from applying for 30 days. If your card was declined add a new payment method or update your payment information. The Apple Card is slowly rolling out to American consumers on a limited basis.

This thread is a good warning to people that the Apple Card is like any other credit card and they should understand their credit score before applying. Youre currently past due or have recently been past due on a debt obligation. If you got denied because of your credit score Goldman Sachs the cards issuer would send a copy of the credit score and the top factors contributing.

Some people on Reddit claim their Apple Card applications have been declined. I have a 810 credit score with 8 years of credit history and I was denied for the apple card 2 months ago I ended up reapplying and increased the income and was approved with 1599 APR. 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.

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