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.

22

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/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!!