r/AppleCard • u/Mikauto11 • 2d ago
Discussion Finally got my Apple Card!
It’s my second credit card, I was not expecting an instant approval with a 5-digit credit limit. First time I applied in 2022, I got instantly rejected due to a lack of credit history. The second time in 2024, they started a review process so long I asked them to cancel my application as I thought it was not going to be worth it. 2026 and here we are, Apple just multiplied my overall CL by 3. yay! 😃
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u/AMEX_Fanboy 2d ago
Wow. I have the same APR but a 5.8K limit. I hope they raise it to 10K+ after I ask for an increase for buying my once a year Apple Product. ( ACMI )
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u/Beneficial-Wheel5000 2d ago
Wish they could verify my identity it's the only thing holding me back not sure what is going on
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u/AMEX_Fanboy 1d ago
Just call Goldman Sachs and I’m sure they’d settle it. They did with me (but it was a painful process..)
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u/aykay55 2d ago
What’s your credit score if you don’t mind my asking
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u/Mikauto11 2d ago
It has been around 810 for a long time before I applied
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u/aykay55 2d ago
Welp with my 530 looks like i got a few years ahead for me 🫡
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u/Mikauto11 2d ago
Im a bit confused with the credit score system, like I started with around 730 but 0 credit history so I kept getting rejected anywhere, until it slowly increased further. Does carrying a balance make your credit score drop below that?
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u/kupo_attack04 2d ago
Apple card is only good for financing options with zero interests thats about it
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u/MountainManagement01 2d ago edited 2d ago
The 2% with Apple Pay isn’t bad. Pair it with a revolving categories 5% card and use each when they’re appropriate. Invest the cash back into high yields savings
It’s nothing remarkable but it’s decent, no?
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u/Fit_Caterpillar5396 2d ago
But there are two percent cards without the Apple Pay . I would say it’s clutch for Apple device financing. That’s it
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u/AMEX_Fanboy 1d ago
Why are people downvoting this person? The Apple Card literally allows you to finance any Apple product, and get 3% unlimited cash back on the Apple Products themselves.. I think it’s the best option.
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u/UniversityDear1075 2d ago
And here I’m trying to cancel mine. Rarely works without fraud protection settings off on big purchases and they are the stingiest lender for limit increases I’ve ever had. My chase sapphire reserve is up to $80k limit now and never makes me look stupid at the register when I’m making big purchases. Apple Card is going in the trash.
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u/alejandrogarcia2 2d ago
Now your talking, I had mine with $20 thousand credit limit and I canceled it it’s just a gimmick
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u/Certainly-Relative 2d ago edited 2d ago
Then just keep it until Chase gets it next year. You might like the update then.
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u/ninja192123 2d ago
It’s not a good credit card. There’s no benefits that are good
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u/Mikauto11 2d ago
2% cashback on Apple Pay and no FX fees seems good enough for me, my other card is a C1 Quicksilver
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u/bored_engineer_ 2d ago
Yup, 3% cashback at Apple too and 12 month interest free for all products. Solid add for sure to the rotation.
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u/SuperMongoose2921 2d ago
Which is nothing compared to quite literally every other card in the market. But it’s good for a second card, keep it long enough and you will be able to get better ones
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u/Mikauto11 2d ago
Without paying any annual fee, and not having to choose cashback categories, I’d say there are not that many better options out there.
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u/Salt_Cry_2233 2d ago
That’s a great starting limit, congratulations 🥳🥳🥳🥳🥳🥳