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Apple Card Reddit Credit Score

The apple card now affects your credit score with all three major us credit rating agencies: As apple explains on its website, card issuer goldman sachs 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. unlike most credit cards, the apple card only pulls a hard inquiry on someone's credit report if they're approved and accept their.


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And all confirmed cardholders will be set at the lower some portion of the exceptional level they fall into, which will save everyone a touch of premium.

Apple card reddit credit score. Always pay your bills on time, keep low or no balances on your cards (pay off your balance every month), and don't apply for a ton of cards around the time you want to also apply for apple card. It’s good to note that the apple card credit score requirement is comparable to that of similar cards on the market. Apple card offers an apr someplace in the scope of 13.24% and 24.24% dependent on your credit score.

You'll get that flat cash back regardless of apple pay or not. I seriously love love love this card. It's good to note that the apple card credit score requirement is comparable to that

And my card utilization will be so high that it hurts my credit score in the long run. If your apple card limit is $10,000 go ahead and finance that new iphone because it’s only like 10% of your utilization (if it’s your only card) if you have 5 cards all with 10k limits (all with low utilization) and your apple card has a 5k limit, then again, go ahead and do it because your total utilization is still low. While it’s possible to be approved with a lower score due to a high income or other positive factors, it’s best to not take the risk.

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I applied for this card november 2020 with a 640ish credit score and was approved for a $1,000 limit. 2% back on apple pay is limiting and most cards offer between 1.5% and 2% cashback (ie citi doublecash). So what can keep you from being approved?

17th 2020 7:03 am pt. The basic range of credit score categories are as follows: The apple card 's credit score requirement is “ good ”.

The card’s variable apr ranges from 10.99% to 21.99%. With my ~800 credit score, i got 1,000 usd credit limit, not even enough for a new iphone!! In the wallet app, tap the total balance panel on the main screen, scroll down, then tap on the statement you want to view.

Indeed, some cardholders report getting the card with a credit score in the 600’s. I just applied the apple card through my phone. What credit score do you need for the apple card?

The best thing you can do to make sure accepting your your apple card offer doesn't affect your credit score in a substantial way is to have a solid credit score built already. Card.apple.com, click on the statement tab, then click the. The apple card’s credit score requirement is “good”.

So, what credit score is needed for an apple card? You can see your offered initial credit limit and annual percentage rate (apr) before you accept your offer, and your credit score isn't impacted until after you accept. While it’s possible to be approved with a lower score due to a high income or other positive factors, it’s best to not take the risk.

Ck/cs scores in the 630s. A score below 580 is. While it's possible to be approved with a lower score due to a high income or other positive factors, it's best to not take the risk.

An unofficial community to discuss apple devices and software, including news, rumors, opinions and analysis pertaining to the company located at. 1% cashback when using the physical card is absolutely dismal. Sign into your account on the website portal:

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The regular increases really helped my utilization, so my credit score shot up to. Apple card offers an apr between 13.24% and 24.24% 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. I feel the apple card would be most helpful due to how the app works, but afraid she might not qualify.

It was a $1430 (after tax) purchase with a credit limit of $1500 on the card, with monthly payments of $108. Even though the apple card doesn’t charge fees, keep in mind that it does charge interest on balances that aren’t paid in full. Luckily, according to apple's support document, you don't have to worry about your credit score just by applying.

According to apple, customers with a credit score lower than 600 might not be approved for the apple card. It’s good to note that the apple card credit score requirement is comparable to that of similar cards on the market. Post here so we can see what everyone got.

Why your credit score is used credit scores can indicate how you use and pay off debt. I recently bought a 2021 ipad pro with an apple card that i had opened specifically to buy this product. The apple card’s credit score requirement is “good”.

Apple let’s you request credit limit increases every 3 months, so i went from 1k to 3k to 6k to 10k to 15k in just a year. Simply put, not everyone is going to get approved for the apple card. As soon as i opened the card, i checked on credit karma and my credit score dropped from 750 to almost 650.

If your credit score is low (for example, if your fico9 score is lower than 600), 4 goldman sachs might not be able to approve your apple card application. And though it’s not designed for people with poor credit, the apple card may offer better approval odds than many comparable rewards cards. Thank you for reading this, i’m considering applying for the apple card and wanted to ask some questions in this sub before i do:

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I think we should make a post for what your credit score is and what your available credit limit came to.


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