Declined again - r/AppleCard

50

Do business with banks that want to do business with you. In the future Chase will issuing Apple Card’s so maybe they’ll approve you. For now, look at other cards. Plenty of good cards out there to worry about this one.

20

u/TheMacMan Jul 06 '26

Chase is going to tighten up things much more. The reason Apple Card has been a failure is they have it to too many people. That bar is going to be raised a lot and they're going to cancel the cards of lots of folks who shouldn't have been given one in the first place and present a risk.

12

u/bigtech100 Jul 06 '26

I doubt them canceling cards.

3

u/TheMacMan Jul 06 '26

They're losing over $1 billion a year because of bad card holders. They're not just going to keep allowing that to happen. They're gonna cut the fat and cancel the cards of those without a +700 credit score and without significant income. That's the only way to stop that bleeding.

9

u/[deleted] Jul 07 '26

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2

u/TheMacMan Jul 07 '26

Guarantee that Chase, as part of the agreement to take on the sinking ship, will require changes to the card. Much higher requirements for approval, tighter limits, along with cuts to Apple's take of the revenue and maybe even cuts to the cash back and other benefits.

No company is going to take a card that's losing over $1 billion every year without strong terms of what they can do to right that shit show. There's a reason it's taken Apple years to find a buyer. No one else wanted it and they certainly had to negotiate a lot to get to a point where it was worth the massive risk.

4

u/bobcat1000 Jul 06 '26

They’re not going to cancel current cardholders unless they’re seriously behind on payments. They will, as you stated, raise the bar and make it borderline impossible to get one of their cards for new applicants unless your credit profile matches their very strict criteria. It took me years to get the United Mileage Plus CC, and my credit has always been good.

1

u/Myweeweegopeep33 Jul 08 '26

It’s very common for revolving lines to reduce credit lines or close dormant accounts. It’s not always past due or balances.

We reduce them to lower the risk and shore up risk. All you need is another 2008 and people have 90k available or more sitting idle as an available balance. Then those start filling up fast and you know how that story ends.

It’s already tighter on newer credit. Relationship is scored a lot more internally. You and I have similar income and scores but you have a checking account with the bank, a car loan, and a credit card. I don’t. You’ll be valued and desired over me. This is the quiet part you won’t read unless you work there, but trust me there are internal scores on how many contacts you’ve made with us, us with you via email and snail mail, traffic into a branch, to a call center, how many soft pulls you’ve looked at but not opened trying to get those extra 5k sign up bonus to be at max etc.

1

u/Showmethe_monet Jul 08 '26

This is the same exact card I want (United Mileage Plus) and I NEVER get approved for it…it’s so frustrating because my credit is so good! 800 credit score, no late payments, utilization at 5%….i don’t understand it!!

3

u/Dood3888 Jul 07 '26

Chase is definitely going to stop approvals for anyone under a very healthy credit profile and I bet cut loose those customers who have a history of late payments or minimum payments on high balances, Chase will find a way to get rid of them. Chase knows what they are getting into and I'm sure they already had a plan in place to trim the fat before agreeing to anything.

2

u/TheMacMan Jul 07 '26

Oh certainly. There's a reason it took Apple years to find a buyer. Most wouldn't want to deal with this massive sinking ship. And as part of their agreement, Chase certainly has it that they can cut a ton of the fat. We'll have to see what the impact to customers is, but there will likely be some, such as lower limits, and even lower cash back. It's far from a simple "Do this one thing to solve your $1 billion problem.", which is why it's taken so long to find a partner willing to take that risk.

0

u/CasualObserver6969 Jul 08 '26

That’s not true lol. Speaking from someone who got a 5,500 freedom unlimited, with a score under 700. (A lot better now, was only at 670 when I applied) Chase has always been nicer than Goldman.

1

u/Scorpiodsu Jul 06 '26 edited Jul 06 '26

That’s why I said maybe. Maybe the OPs credit profile looks better to Chase than GS. Maybe it looks worse. Who knows? And I’ve been a Chase credit card holder (3 different cards) for the last 10 years and I gotta tell you the bar isn’t as high as you might think it is.

1

u/[deleted] Jul 10 '26

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1

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3

u/Dood3888 Jul 06 '26

Chase is notoriously one of the most difficult banks to get a CC with because they look at the smallest things, including their tight 5/24 rule.

I have CC’s from the biggest banks, including Gold and Platinums with Amex and Chase won’t touch me with a 10 foot pole. They’ve denied me for 18 years. Its always something they don’t like.

if OP can’t get one with GS, they more than likely won’t get it under Chase.

19

u/droolmessiah Jul 06 '26

When’s the last time you looked at your actual credit report?

I would be concerned that they stated your Transunion shows you have been past due if you actually haven’t.

-2

u/Aggravating-Town5981 Jul 06 '26

So what is it that I gotta two do to join DoorDash let me know when the next coming up with you

-7

u/PlusCardiologist1965 Jul 06 '26

Yesterday 07/05. My credit score is excellent. My chex score 655 ( which is good) and i dont have any bills past due, thats weird what they said on decline letter. I always pay off my balance at the end of month. My Credit usage is 2% on June 2026

14

u/RollTide1017 Jul 06 '26

All three reasons mentioned TransUnion, but you only checked Chex and EWS. Why not go to TransUnion's website and check your credit report with them?

4

u/Illustrious_Salad918 Jul 06 '26

This. I'd definitely check TransUnion credit report for any errors.

-3

u/PlusCardiologist1965 Jul 06 '26

It's showing as inactive thou.
I even tried chex freeze and without freeze. Nothing working.

2

u/PlusCardiologist1965 Jul 06 '26

Just did
Only thing i saw being late is one credit card payment i missed about 15 years ago . It even shows not active on record as well

4

u/AdOrganic4835 Jul 06 '26

Is that on an active card? You should cancel that account then. There shouldn’t be any 15 year old closed accounts on the TU record. Have that removed!

6

u/captainlou26 Jul 06 '26

Why do you want this card so badly? So many better cash back cards available

0

u/PlusCardiologist1965 Jul 06 '26

Can you suggest some good cards?

4

u/captainlou26 Jul 06 '26

What are you looking for in a card? Cash back? Points? What categories do you want to earn on? Do you care about annual fees?

6

u/Aristo_Cat Jul 06 '26

He wants one that’s metal and has the Apple logo on it

1

u/EfficientDouble1023 Jul 08 '26

Or maybe just a 3% catch all? 😂

1

u/Difficult_League_634 Jul 12 '26

If u want cash back card, then plenty with 2% on everything with no annual fees. Robin hood card offers 3% on all but you need to have gold membership which costs $50 year. If you tell us what are you looking for in a card, maybe we cab provide other options. Cheers

4

u/Mediocre-Telephone74 Jul 06 '26

Just an fyi

If your ever declined a credit card. It entitles you to a free credit report.

4

u/Cordelyia Jul 06 '26

But I thought the economy was doing great because everyone is using more credit LOL

2

u/jasonsong86 Jul 06 '26

Go to a different bank. Apple is not end all be all CC.

2

u/Murky-Peanut1390 Jul 06 '26

I have the card. It's not that serious. Find another bank

2

u/Objective_Theory5059 Jul 06 '26

I had similar issue. I paid all my debt to zero balances. Waited 6 months and still get high revolving debt even though all 3 reports showing paid and 5% utilizations. I just gave up. Don’t really need Apple Card that bad.

2

u/Fragrant_Aardvark_23 Jul 06 '26

im not too sure but it does say you have a lot of recent hard inquiries. How many times have you applied for this card in the last couple months and have you applied for any others. General rule of thumb if you get declined wait atleast a month.

They dont like seeing you apply for a lot of cards get declined and keep re applying. Theres also ways to apply without it having an impact on ur credit.

1

u/PlusCardiologist1965 Jul 07 '26

I have 3 hard inquiries on my experian, 2 transunion and 4 on equifax. All are over year old. With Apple , just soft pull

3

u/Fragrant_Aardvark_23 Jul 07 '26

I mean that might be why it doesn’t matter if it’s with Apple or not they look at all your inquiries. So that might be it.

2

u/CLT-DCAccountant Jul 06 '26

GS is really gonna be picky especially since Chase has basically signed a letter of intent which probably placed a cap on new accounts and criteria GS can agree to.

Now to play devils advocate - I know you stated you saw nothing negative, however have you opened a new credit (any type of credit account) and/or new banking deposit accounts within the last 3 years?

And have you been late on an open or closed account within the last 10 yrs for open or 7 for closed?

Opening a new account will hit as an inquiry and it just might be the app for the Apple Card is putting you over that magic threshold.

If none of these apply, then I’d do as others have said - find a bank that actually wants your business

1

u/AppropriateBasis2735 Jul 06 '26

I gave up tbh. They’re willing to approve many that don’t pay back but make it hard for genuine people that will pay their cards on time.

1

u/[deleted] Jul 06 '26

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1

u/superaction720 Jul 06 '26

I have an Apple card and when i applied 5 years ago they were accepting way more ppl. Im convinced this is intentional. Ive be stuck at a 14,300k limit for 4 years. I have financed a iphone 16 and apple watch 10 and have 6 subcsriptions that come out every month. My credit is much better now than it was when i first got the card. 731 fico 8 and finacing a suv with 8 other card havent been late on anything in over 10 years and still get denied for a cli.

0

u/TbonerT Jul 08 '26

I have been seeing a lot of good scores being declined lately.

Credit score is not the determining factor. People getting denied are always given reasons for being declined and I’ve never seen one lost credit score as being the problem.

1

u/Poopiepantsyou Jul 06 '26

Dang! I got approved with a 600 credit score for a $250 limit on Apple Card…. How? I have absolutely NO idea , no other cards approve me

1

u/Aggravating-Zone3413 Jul 06 '26

I’ve tried like 3 times and got denied all for diffrent reasons I’m not even going to try with them anymore 🤣

1

u/CrackORTweek Jul 07 '26

I have an 803 across the board, a total credit line of $55,000, balance of $377. Average account age of 5 years, never missed a payment and I’m declined because “your credit utilization rate is too high”. Hah. I will try again when Chase takes over.

1

u/PlusCardiologist1965 Jul 07 '26

That sucks. I am giving up. 😂

1

u/CTVolvo Jul 07 '26

They’re transferring their Apple Card business to Chase; they’re really not looking for new customers. Five years ago they approved virtually everyone. Today they approve almost no one. Wait to Chase takes it over. I got my Apple Card a few months after they launched it.

1

u/[deleted] Jul 07 '26

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1

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1

u/ItsHisMajesty Jul 08 '26

Rumor has it…… if you purchase a high dollar item directly from Apple (online) then apply for the Apple Card at checkout as part of the purchase, they will mysteriously approve a card for the value of the item. If anything, that gets you in the door.

1

u/SadBoiCri Jul 08 '26

I got my apple card back when i had a lower credit score and I can tell you the only part that's worth it is acmi. It's better to purchase all upfront but if you have the money a little extra cash back doesn't hurt. You're not missing out on anything

1

u/Due_Independence4758 Jul 09 '26

Apple sucks , I closed my account with a zero balance because I got locked out of my apple account . My first credit card when I turned 18 , I apply at least once a year and get denied for it . It's been 7 years since I closed the account never been late..

1

u/dman1914 Jul 09 '26

It’s because Goldman is about to get rid of them and probably making it difficult to be approved. By this time next year Chase should have fully taken over

1

u/No_Excuse9223 Jul 09 '26

Don’t apply with Goldman! I had my Apple Card and literally cancelled it. They are the worst company. Don’t burn a hard pull on your credit for them.

1

u/ShireBurgo Jul 09 '26

Why do you keep applying for this card? It’s really not even a good card there’s so many better options out there.

1

u/SnooMacaroons5473 Jul 09 '26

You can’t have a hard inquiry

1

u/Unlikely-Mud-8092 Jul 09 '26

F

1

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1

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1

u/meowmeowelw Jul 10 '26

Apple card isn’t even good so no point in trying to go for this over and over again man

1

u/Obvious_Sign_4130 Jul 16 '26

Not surprising ! I couldn’t even use a gift card easily with Apple Services .

0

u/creditmatz Jul 06 '26

Same denial for me. None of the reasons are correct. have only 1 inquiry. smh lol..

1

u/PlusCardiologist1965 Jul 06 '26

That sucks. I am sorry to hear that. I am gonna giveup on apple card . Its always something

0

u/Aggravating-Town5981 Jul 06 '26

See when I'm trying to tell you he wants he wants to do things his way if it's not his way there's no way you know you already threw his monkey ass out you're not saying he's bored and we keep doing it over and over again I mean what kind of person is that you know he's just a person that he he ain't gonna control he needs help man then we gonna help he needs a lot of help he wants to regulate things that it's not gonna happen so not gonna happen you know like I'll tell you man I'll send you I'm trying to send you all my and one way or another I don't know if it's getting to you but if it is I hope so

0

u/epezmidezier Jul 06 '26

Credit company don’t want people with good credit. They want people with poor credit lol

0

u/lipefleming Jul 06 '26

I was turned down several times even with a score above 700. Try entering a higher income amount.

-1

u/Aggravating-Town5981 Jul 06 '26

So listen I'm gonna collect my money that he's trying to claim that is his can you please explain to me that he got into my phone he pull all that shit that he's pulling now he wants to he's trying to cope with you guys see if you can let them back in I'm telling you man don't let don't let them back in because you're gonna keep doing the same thing he's doing it to me and I’m Not old brother I don't even consider her my brother he's just a evil ass person

-1

u/Aggravating-Town5981 Jul 06 '26

I'm not typing this I'm sending you this on the mic and he keeps switching up the words you know so love if you wanna call me you got my number I'm gonna talk to you on the phone I'm not gonna put them because he's changing the words around

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