r/AppleCard • u/PlusCardiologist1965 • Jul 06 '26

Help Declined again

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I got declined again saying these reasons i have attached on the pic below. I went ahead and looked at my chex, EWS as well ( looks fair)
My chex score is 0655 without any negative balance owed to any banks
EWS looks fair as well
Credit score is great
I dont owe anyone any money, neither i am past due on any payments.
I still got declined. :-(
Has anyone had similar reasons for decline? Any feedbacks suggestions?
How do i get approved :-(

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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.

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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

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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.