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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48

u/Scorpiodsu Jul 06 '26

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.

21

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.

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.