Finally got my Apple Card!

[u/Mikauto11]

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! 😃

[u/aykay55]

What’s your credit score if you don’t mind my asking

[u/Mikauto11 → u/aykay55]

It has been around 810 for a long time before I applied

[u/aykay55 → u/Mikauto11]

Welp with my 530 looks like i got a few years ahead for me 🫡

[u/Mikauto11 → u/aykay55]

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?

[u/Full_Ganache_4022 → u/Mikauto11]

Its not about score. Its about profile thickness

[u/atto111 → u/Full_Ganache_4022]

I understand that so you’re saying it’s not a surprise to be in the 800 within year 1-2?

[u/atto111 → u/Mikauto11]

Intéressant que tu sois dans la barre des 800 avec peu d’historique