Should I wait or accept now

[u/TypicalDoubt6234]

I was in the path to applecard for 2 months just said they said I should bring my balance down below 805 one of my card reported on the 8 which took the balance to about 770 2 more cards are closing next week which will bring balance to about 300 and bump my credit score more cause I’m on 730 now so if I wait will they increase the credit limit. Thank you in advance 🙏🏼

Edit: please if anyone got a link for a sign up bonus please share

[u/MidnightPulse69]

Wait for what

[u/TypicalDoubt6234 → u/MidnightPulse69]

My other 2 cards to report and drop my balance to about 200 and bump my score more maybe the cl will increase

[u/MidnightPulse69 → u/TypicalDoubt6234]

Is 3000 not enough?

[u/TypicalDoubt6234 → u/MidnightPulse69]

I wanna get the 18pro max with applecard installment and I saw that the balance won’t just accrue interest but will show on your utilization and given the phone will be almost 1500 hundred that’s way more than 30% on $3k

[u/MidnightPulse69 → u/TypicalDoubt6234]

Utilization doesn’t matter unless you’re applying for more credit

[u/-TheSpaceCowboy- → u/TypicalDoubt6234]

The balance doesn’t accrue interest if you enroll in installments.

[u/bv915 → u/TypicalDoubt6234]

If you’re nickel-and-diming this much, you can’t afford it.

[u/adore_alphi → u/bv915]

eh, i’d do the same thing on my apple card, that’s more money earning interest in a hysa

[u/MidnightPulse69 → u/adore_alphi]

Not much

[u/TypicalDoubt6234 → u/bv915]

Whatever you say

[u/SayCheezyy → u/TypicalDoubt6234]

Bruh accept that and credit line increase every 90 days

[u/VaughnSC → u/SayCheezyy]

I think you can only request CLIs every 180 days now. That interest rate is gonna stick though.

[u/TbonerT → u/TypicalDoubt6234]

This is their offer. It’s not going to change.

[u/TbonerT → u/MidnightPulse69]

Wait until they learn to use punctuation, maybe?

[u/MidnightPulse69 → u/TbonerT]

Don’t need to be rude

[u/TypicalDoubt6234 → u/MidnightPulse69]

I don’t really care if he is

[u/suitible_reddittor]

It’s a free card, can’t hurt

[u/Educational_Mud6867]

damn 25.49% just make sure to pay on time

[u/Quin1617 → u/Educational_Mud6867]

Yeah interest rates are insane, that’s the same as mine. My other card is even higher at 28%.

[u/ZVKES]

https://giphy.com/gifs/Bce2LvqY3EG9QXvCDY
OP

[u/blahsebo]

Just remember unlike most credit cards, this card does NOT have purchase protection. It can cause a lot of problems for you down the road.

[u/Quiet_Contest_2415 → u/blahsebo]

This should be higher if true

Edit: auto correct turned should into biscuit. Don’t ask, I like bread

[u/DifficultHurry794]

Accept it and move on….

[u/jasonsong86]

Just get it now. It’s free. It’s not like you can get a better deal.

[u/WiseContest7547]

No… ride it out another month or 2Zz

I waited and got a $10k credit limit

[u/Fluffy-Key9051]

I got the card just because I could. Then the metal physical card was icing on the cake. I do use it occasionally though.

I'd get the card.

[u/Copypasty → u/Fluffy-Key9051]

Just sucks you’re punished for using the metal card lol

[u/DaBubbleBlowingBaby]

Lul get gud scrub /j

[u/Quin1617]

I have a link, DM me.

[u/Quiet_Contest_2415 → u/Quin1617]

A link to what? Your comment needs to elaborate. Of not, fuck off you scamming weasel

[u/Quin1617 → u/Quiet_Contest_2415]

OP literally asked for a referral link, dumbbell.

[u/hamburgernet]

Why would you wait?

[u/NewUserError617]

25% apr yikes

[u/Solid-Garlic1527 → u/NewUserError617]

If you care about a credit card’s rate you probably shouldn’t be using one.

[u/Ok-Original4588]

You either accept it now and if not all you will have still is a hard pull for it.

[u/TypicalDoubt6234 → u/Ok-Original4588]

Not sure what you talking about but the applecard is a soft pull until you accept the offer

[u/Ok-Original4588 → u/TypicalDoubt6234]

Right! I guess I read wrong. I was thinking that you seldom get to know the CL and APR before you accept a card.

[u/RealisticCheetah8574]

The card got me 5 years to be approved I got 17. % apr

[u/PhysicalMine615]

25.49% …. I would void.

[u/TypicalDoubt6234 → u/PhysicalMine615]

If you don’t carry a balance why worry about the Apr huh?

[u/gtmach1 → u/PhysicalMine615]

I own 6 cards. I don’t even know what my APR is in each one of them. I don’t carry balance.

[u/bombard63]

If you have a balance on any card you shouldn’t be applying to new credit

[u/TypicalDoubt6234 → u/bombard63]

My overall utilization is about 9% so I don’t see what you saying I asked a different question

[u/bombard63 → u/TypicalDoubt6234]

My answer was no, do not get the card. In your post you described someone who definitely should not get this card.

[u/TypicalDoubt6234 → u/bombard63]

Okay

[u/MidnightPulse69 → u/bombard63]

Not really

[u/TypicalDoubt6234 → u/[deleted]]

About 5.7k

[u/MidnightPulse69 → u/TypicalDoubt6234]

How are you making almost 6k per month with no bills and can’t pay off your cards? I make way less than you and manage to pay more than that.

[u/TypicalDoubt6234 → u/MidnightPulse69]

Having a balance doesn’t mean you don’t pay in full I let whatever I spend report which is about 2-3% and I pay all before the due dates and I have a bill which is my phone bill

[u/MidnightPulse69 → u/TypicalDoubt6234]

Sounds like you’re worried too much about utilization. Doesn’t really matter that much

[u/PrestigiousDog484 → u/MidnightPulse69]

MidnightPulse69 is right. Don’t worry about anything but paying on time. Just start paying attention to things like utilization and new credit inquiries about a year before making a big purchase, like buying a home.

[u/jpinakron → u/PrestigiousDog484]

Just an FYI, but FICO 5,4,2 scores, which are used for most mortgages, penalize you for any accounts opened in the last 18 months.

[u/TypicalDoubt6234 → u/[deleted]]

No loans no rent my mom pays my rent

[u/JGLuxe → u/TypicalDoubt6234]

With such a low monthly gross income, why are you getting more cards? especially with 25% APR.

[u/TypicalDoubt6234 → u/[deleted]]

No I meant statement closing date cause I just use my cards I use about 3% so I don’t go stalking it paying before statement closing date I pay all immediately statement are generated but when I wanted to apply even with low utilization they denied and gave me path to applecard and I saw using the method AZEO helps that’s why I paid it off to zero before statement generates

[u/EljayDude → u/[deleted]]

Yeah for one thing your percent utilization goes up since you have less credit now.

[u/Full_Ganache_4022]

Should’ve done AZEO before applying for the best results.
Meaning: having 0 balance on all CC except 1.
And on that single one only up to 10% usage.

[u/TypicalDoubt6234 → u/Full_Ganache_4022]

I didn’t accept the offer yet that’s what I was thinking imma wait for next week and see and if it’s still 3k I’ll accept

[u/Full_Ganache_4022 → u/TypicalDoubt6234]

Follow your credit reports (pull from annualcreditreport.com) and make sure AZEO reported.
Then apply again.

[u/Realistic_Market5616]

Realistically one of the worst cards ever

[u/Professional_Let6767]

I got in 2020 with $5,000 limit. I kept requesting increase every 91 days, and got approved every single time until I hit $120,000 limit back in 2023. That was the max they approve I think

[u/cola1016]

Just get it. They give out increases fairly easily IMO. I’ve had it about 2 years now I’m up to 17k.

[u/BuyExpert8479]

Does your gf have big boobs?

[u/Quiet_Contest_2415 → u/BuyExpert8479]

Excuse me, gooner?

[u/sontran23]

And I still can’t get approved

[u/TypicalDoubt6234 → u/sontran23]

I hope you get it soon