apple card denied reddit
If you use Family Sharing and Purchase Sharing is turned on the. Apple Music Apple PayCard iCloud Fitness MacRumors attracts a broad audience of both consumers and professionals interested in the latest technologies and products.
Apple Store Problems Frustrate Many Iphone 13 Buyers R Apple
I was eventually able to buy the phone with my card but not before jumping through hoops.
. I got declined both times for having monthly obligations that are too high but I pay my credit card off every month and dont have any other bills. The rejection says Your monthly debt obligations are too high given your income - examples may include loan or monthly housing payments which is odd because I have paid off all my student loans rent housing and have bought my car cash. TU 706 with around 2-5 credit.
Your payment method will be charged for the unpaid balance. You dont have sufficient disposable income after you pay existing debt obligations. So I got denied for the Apple Card because of some late payments about a year ago.
Few things I want to point out here. Once you opt in youll receive monthly updates on your progress via email covering your success in tackling credit roadblocks like settling past due balances making on-time payments on your. I got an invite to apply this morning went to apply as soon as I got the invitation.
Apple Card denied - DPs. So I did and got denied for the same reason. The best Apple Card benefits are rewards of up to 3 back on purchases 0 fees easy integration with Apple products and the possibility of low APRs.
In all seriousness while Im not too concerned I am a bit confused about why my application got denied. You can add multiple payment methods to your Apple ID. Apple Card is available only in the United States.
Ive been denied an Apple Card but while thats frustrating and a little embarrassing its not. Here are just some of the reasons why someone might get denied for an Apple Card. Why am I getting Denied Help I have a 759 credit score I was an AU on my mothers cards for years which have always been in good standing have had 0 balance for a while my personal credit card from Discover has a balance of 500 limit of 2000 also in.
So heres some DP for those who might be interested. This is not true quite often people at the age of 18 can be approved for a credit card without a parent on the card. The one and only reason it was denied was because.
If your card was declined add a new payment method or update your payment information. Furthermore as a college student without substantial income and a past credit experience he will be denied a credit card. As of June 30 2020 if youve been denied the Apple Card you may see a notification on your device offering you the opportunity to join the Path to Apple program.
Denied An Apple Card Because Nobody Knows My Credit Score. We also boast an active community focused on purchasing decisions and technical aspects of the iPhone iPod iPad and Mac platforms. Highly utilized on too many bankcard trades recently or insufficient information on bankcard trades.
Yep my physical Apple Card couldnt be used to get a new iPhone at the Apple Store. Learn about the key criteria used to determine whether your Apple Card application is approved or declined. If youre under 18 years old your family organizer can set up Apple Cash for you.
Opened a high proportion of trades recently. Apple Card is issued by Goldman Sachs Bank USA Salt Lake City Branch. The system Apple uses to approve or deny Apple Card applicants is a black box so we reached out to learn how Goldmans algorithm works -- and its not AI.
You must be at least 18 years old and a resident of the United States to send and receive money with Apple Pay or receive the Apple Cash card. Sign in to view your Apple Card balances Apple Card Monthly Installments make payments and download your monthly statements. Vantage 30 is 651 as of 882019.
Youre currently past due or have recently been past due on a debt obligation. I called Goldman Sachs but they didnt tell me much and just told me to reapply. I applied for an Apple Card and was denied due to the following reasons - Too many inquiries.
Then you can make other purchases and update your apps including free apps. Your debt obligations represent a high percentage of your monthly income for example your unsecured debt obligations ie loans that are not backed by collateral are 50 or more of. Applications are approved or denied by Apples financial partner Goldman Sachs and that institution may reject your application for the following reasons.
So I applied to the apple card twice. There could be any number of reasons why your Apple Card application may have been declined. Photo by cottonbro from Pexels.
You have recently been past due. Goldman Sachs pulled TransUnion with a score of 680. I have good credit.
My FICO Score according to the same email from Apple is 723 which I think is more than enough for. So I was invited by Apple but denied by Goldman Sachs. Also the Apple Card is made of titanium and doesnt have a card number on it which makes it less susceptible to fraud and gives it a sleek look.
The Apple Card s benefits dont include many things traditionally. How your Apple Card application is evaluated. Weird thing is my credit score is a 704 and I have other cards.
He will need to have a parent guarantee a card with a low credit limit. Goldman Sachs 1 uses your credit score your credit report including your current debt obligations and the income you report on your application when reviewing your Apple Card application.
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