apple card reddit credit score

Apple CardGoldman Sachs doesnt offer any credit checking or FICO score checking services yet. Saw that Apple had their card and all the features it has seen pretty cool.

Apple Card Isn T Doing Automated Credit Limit Increases Anymore R Applecard

Plenty of other banks and cards offer it.

. Some with 750s I think 500 too. The Apple Cards credit score requirement is good. No monthly obligations but a discover card I owe 900 on.

The Apple Card s credit score requirement is good. Goldman Sachs uses TransUnion and other credit bureaus to evaluate your Apple Card application. I paid off the balance in full on 292022 and I still have gotten no status update on my account restriction.

Apple teamed up with Goldman Sachs and MasterCard to launch Apple Card in 2019. Credit Karma Member. With Apple Card we completely reinvented the credit card.

Apple Card uses FICO Score 9. Apple Card offers an APR between 1324 and 2424 based on your credit score and all approved cardholders will be placed at the bottom of the interest tier they fall into which will save everyone a little bit of interest. Its good to note that the Apple Card credit score requirement is comparable to that of similar cards on the market.

Apples current Financial Health page says FICO9 scores over 660 are considered favorable for credit approval yet its possible that a customer with a. Using more than 30 of your allowed credit may hurt your credit score. People do get a very wide range of SLs.

Anyone have an opinion on the Apple Card. Get up to 3 unlimited Daily Cash back on every purchase. This article highlights a number of factors that Goldman Sachs uses in combination to make credit decisions but doesnt include all of the details factors scores or other.

Got 1299 and 10K limit for Apple Card edit. While its possible to be approved with a lower score due to a high income or other positive factors its best to not take the risk. If you dont have any other banks or cards that provide it then experian offers a free FICO score if you sign up.

That and getting an 800 credit score so that I can get a great mortgage 2875 on 30year and car loan09 on a 5 year. Apple said that the card is everything a credit card should be. Balances on accounts too high compared to original CCloan amounts and 2.

I am a 21 yo third year college student who has never had a credit card nor have I applied for one. Reddit iOS Reddit Android Rereddit Best Communities Communities About Reddit Blog Careers Press. A certain credit score is required to be eligible.

Credit limits and Credit Scores post here. Other 0 annual fee cash back. The 2 cash back on most purchases matches many of the highest flat-rate cash-back cards on the market.

Missing payments will also be viewed negatively on your credit report. The best way to get 850 credit score is to open as many account as possible and charge 1 every other month or two to keep the account active and keep asking for a credit line increase very low utilization ratio. You can check your FICO score using other services that offer it.

Explore Cash-Back Credit Cards That Reward You Wherever You Shop. 780 w a 7500 limit 1799 apr - was very surprised by the limit pleasantly - although Im going to keep the card for just Apple Pay and Apple Store purchases until they provide a joint owner option one day and then Ill consider migrating from the Chase Sapphire. So I was actually shocked I applied expecting to be denied for sure.

Ad Earn Unlimited 15 Cash Back on Every PurchaseIncluding Electronics Tech and More. Not sure of current score but a few years ago was 820. Ways Apple Card Can Hurt Your Credit Score.

Reboot your credit card with Apple Card. Id like to see about getting an Apple Card but I am concerned about getting rejected due to my credit score. Sign in to view your Apple Card balances Apple Card Monthly Installments make payments and download your monthly statements.

I recently had an issue with my card going over my credit limit and it resulted in my Apple Card being restricted. Get 0 Intro APR for up to 21 Months Now. The simplicity of Apple.

The competing cards SDFCU PenFed etc require signing up for credit union membership andor have lower SUBs or in the case of SDFCU require twice as much spend 3000 for the equivalent 200. Ad See The Best Credit Cards with 0 Interest. While its possible to be approved with a lower score due to a high income or other positive factors its best to not take the risk.

My credit score was only 524 at applying I did it anyways because I heard Apple offered help with a path to Apple Card basically advice on how to build credit for people with poor credit. If your credit score is low for example if your FICO9 score is lower than 6004 Goldman Sachs might not be able to approve your Apple Card application. Successive missed payments can lead to your card being frozen and unable to use.

We eliminated fees 1 and built tools to help you pay less interest and you can. But to my surprise they ended up approving me only a 250 limit. The world of credit cards scores reports applications interest is a complex one.

Apply on iPhone with no impact to your credit score. Its good to note that the Apple Card credit score requirement is comparable to that of similar cards on the market. If you are approved and accept your Apple Card offer will a hard inquiry affect your credit.

Equifax Experian and TransUnion. FICO Score 9 ranges from 300 to 850 with scores above 660 considered favorable for credit approval. Someone with mid700 scores and 24k income was approved for 4900 SL.

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. The truth is yes but by how much is completely different from one person to the next. Thats why when we created Apple Card we took every opportunity to simplify and educate.

Every time I text customer support they say its under review and Ill get a call within 24 - 48 hours. Anything more than that is still unknown. I still get a new credit card every 12 months and there are always new ones coming out with no annual fee.

717 credit score 22kyear income. That is because your credit score is made up of 5 categories. In a credit card.

Posted by 5 days ago. The basic range of credit score categories are as follows. Your information lives on your iPhone beautifully laid out and easy to understand.

Compare The Lowest APR Credit Cards with 0 Intro APR for up to 21 Months No Annual Fee. The Apple Card now affects your credit score with all three major US credit rating agencies. 17th 2020 703 am PT.

We only have one other card that 1. When I got into credit card churning I only really cared about the cash back perks Sign up bonus and the back. Looks like theyre loose on critera on approving people.

Other 0 annual fee cash back cards such as the Capital One Quicksilver. There is a subreddit on Apple Card many says Transunion. But it comes with a big asterisk because you must use Apple Pay to get elevated rates.

The List of Flat 15 Cashback Cards also linked in the sidebar has been updated with the new SUB info. Its currently 543 and my bank gave me two reasons.

Apple Card Account Restricted And No Reason Why R Applecard

We Got It Wrong The Point Of Coloring The Apple Card White Is So You Feel Satisfied At Returning To A Blank Slate After Finally Paying It Off R Applecard

Turned 18 Today Have Been An Authorized User On A Bby Card For 6 Months And Got Approved For My First Credit Card Low Limit But Not Bad For My Age Haha

Followed Subreddit Advice Got A 4 000 Cli R Applecard

Got Approved For My First Credit Card 12 99 Apr 250 Credit Limit Not The Best But It S A Start I Guess R Applecard

Got The Apple Card Just Now R Applecard

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Apple Card S Base Apr Lowered To 10 99 For Some Cardholders Macrumors

First Credit Card So I Just Got Approved For The Apple Card I Am Confused I Have A 1 000 Limit But I Had To Pay For A Rental Which Was More

Does Apple Card Gives Low Limit R Applecard

Credit Karma Notified Me That Apple Card Has Reported Payments R Applecard

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Apple Allowing Apple Card Customers To Defer Payments Due To Covid 19 9to5mac

Apple Launches New Apple Card Website Check Balances View Statements Make Payments

When It S The End Of The Month And There S No Balance On Your Apple Card You Can See This Check Mark Instead Of The Regular Pay Now Button R Applecard

Hello So I M Studying Abroad And Using The Apple Card To Pay For My Transactions And Stay Away From The Foreign Transactions Fees I Tried To Purchase A Train From London To