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Apple Card |OT| Designed by Apple in California
- Thread starter BAD
- Start date
I believe so. I think they still offer special financing, but you don't earn points towards Apple gift cards any longer.
Yes, thanks, that's good advice because of the history on the card.
I was expecting other merchants to get added so quickly for the rewards. This card just got more compelling
I got that weird Apple ID email (even though there was nothing wrong with mine) a week ago. It said I should get my invite in 48 hours; it has been way longer than that. Wonder what's going on over there...
Just applied, got a $7500 limit and 17.99% APR.
Don't think I'll use it much, but I want that titanium card just to show off.
Don't think I'll use it much, but I want that titanium card just to show off.
Got my card on Friday. First use was at the bar. Bartender takes it and is like "oh wow is this made of glass" and immediately drops it on the tile by accident. It made the loudest TING! Fortunately they're so light nothing happened, but I was just omg my poor new card lol
And then make sure you pay it off every month, because otherwise you are getting 3% back and paying much more than 3% in credit card interest.
it only counts as a hard credit check if you get approved and you accept. So if you apply and don't like they credit limit or APR they offer you and don't accept the card, there's no record on your credit report
Ohh that's a game changer. I thought it was a hard check just to apply.
I honestly want to see that method become standard for all cards. Essentially what they're showing you first is your "pre-qualification" (Just like those letters that come in the mail) and it only becomes a real application once you say yes. Brilliant if you ask me
only gave me 7.5k when i have perfect credit and like 15 cards at 15/20k wtf
i'll let it slide cause it's the apple card otherwise would've sent Goldman their garbage offer packing...... but whatevs, now gimme that Titanium
i'll let it slide cause it's the apple card otherwise would've sent Goldman their garbage offer packing...... but whatevs, now gimme that Titanium
i would've made some calls for that insult from goldman
but i'll let it slide this time friend, i need to slide the 🍎 across the restaurant tables asap before everyone gets it
why isn't you sliding the AMEX gold across the table or you too poor to fork over $250 a year friend?
It helps but I doubt it sways those really into cashback as it's still pretty limited.
I said this in another thread but they should just make it 3% for all online purchases, then it'd be viable over the BoA card.
The BoA card gives you 3% cashback for "online shopping", and that includes app based purchases like Uber/Lyft, food delivery services (Uber Eats, Postmates, Door Dash etc) and even digital subscriptions (Hulu, Netflix, etc).
I applied and got accepted the second time. But my card is showed as a plain white MasterCard with apple logo in the Wallet app, not the colorful one in promo pic. Is that normal?
Different purchase categories correspond to different colors that start to fill up the image of your card over time.
Well, I just got denied. Not 100% sure why. I always pay everything earlier than on time and I have a pretty good income.
Is it because I have a lease on my car? My credit score is 764 so I dunno. I'm actually kinda bummed. lol
Guess I don't get to join your club.
Is it because I have a lease on my car? My credit score is 764 so I dunno. I'm actually kinda bummed. lol
Guess I don't get to join your club.
I use that BoA card for those reasons. I have a second one for travel, but I don't use that one as much.
I don't know if I want to apply for this card yet. I kinda wanted my next card to be something with a huge bonus or benefit.
I'm surprised how easy it is to apply and how fast they approved it.
Got instant approved and the physical card coming in a week.
Got instant approved and the physical card coming in a week.
by 'earlier than on time' do you mean 'before i get a bill' by chance?
Well, I always pay something every week. And it's way more than my minimum. Basically whatever is left from my paycheck, which is usually a couple hundred.
Why? Is it wrong to pay off your card early? I would think that would be a plus. Because I never buy something I know I won't be able to eventually pay off. Am I supposed to hold onto my money until CapitalOne tells me to pay them? Because that would suck.
The advantage is that when the banks report your credit utilization to the credit bureaus, typically when they generate your statement, your utilization percent will be lower, which is good. No long term effects on your credit score though since your utilization is ongoing and constantly updated with each new statement generation and when your credit happens to get checked
So the only disadvantage of waiting for your statement to pay things off is if you made a lot of purchases that month and it would send your utilization uncharacteristically high and you need your best score possible within the next 30-60 days for some reason
So is there anything I'd need to do that would make them more likely to approve me or just forget it? Because I don't know what else I can do. It seems like I'm being punished for being a good credit card holder. lol
In the rejection email there should be a re-evaluate link, maybe try that?
There's also this: https://www.experian.com/blogs/ask-experian/the-meaning-of-too-few-accounts-paid-as-agreed/
Signed up just to increase my available credit and number of open accounts. Don't really plan on using it much.
gold is so 2018
get with the times friend. Whipping out an amex gold now is like signing antonio brown in 2019
sounds like you too poor to afford the annual fee friend. I have like 70k MR points from my rose gold Amex in 3 months.
If you're already apart of the AMEX system then I wouldn't bother with the Apple Card. Especially since you're comparing a premium tier $550 annual fee card to a no annual fee card.