[Update 8/18/20: Equifax gets the reports now as well, according to Macrumors. So it’s all 3 now.]
Since launch, Apple Card users were reporting that their credit card history was only being reported to the TransUnion credit bureau, not to Experian or Equifax. Many reports came in over the past fews indicating that the card history is now given to Experian as well, but still not Equifax.
This is either good news or bad news, depending on your goals: Those trying to build up credit will appreciate the added account history will appreciate this additional account, especially as the account ages and helps your credit profile. Those who are trying to skirt Chase’s 5/24 limitation would rather it not show…
(The credit pull, during initial signup, has been reported to be a TransUnion pull, and I don’t have any reason to believe that’s changed.)
Related: Apple Card $50 Signup Bonus When You Make Any Apple Service Purchase
If only I could get one. $22k , 0 debt, ~780 score
Because they’re using citizens bank and these people are insane
The application for this is bizarre tbh.
I tried applying and they denied it because the address on my state ID didn’t match my physical address.
But California doesn’t replace IDs for address changes and the ID expires in 5 years.
Getting a new one would cost money and has to be done in person at the DMV during Covid.
Never had these issues with any other bank.
This card isn’t worth the hard pull, no reason to worry
Meh, I think it’s pretty cool. 2% on Apple Pay, 3% on Apple with 0% 24 month financing. Also get a replaceable virtual card number and a $50 bonus
US Bank Cash+ 5% everyday on apple.com. The financing only works at apple.com and that place should be the last place to buy something; their resellers always have better deals. And if you need financing for an Apple item, better look for a new job.
• USB AR – 4.5% on Apple Pay
• Biz Gold – 4X MR on Apple
• BBP/BBC/CIC/CIU – 0% APR for 12 months for ANY purchase (not limited to Apple)
On top of these benefits, all these cards all have higher SUB than Apple Card.
Of course, you’re entitled to your own opinion. To me, Apple Card is a hard pass.
DP: I applied for this August 14th, instantly approved for $4k, but there was no hard pull (I double-checked all 3 bureaus and froze them all afterwards). Card just came in today.
I’ve seen some scattered DP’s that GS pulls Chexsystems for the Apple card. Can anyone confirm?
DP here, can confirm they do.
Fuk them. Declined cause they could not check my identity. Bet the 4 bank accounts I opened in a week did not help but then say so: too many inquires. Or use some real company to check identities. 🙂
Thanks for the contribution Alan
opening bank accounts doesn’t do anything to the inquiries on your credit report. the fact you thought it did and you got declined probably means your credit is ass.
Got approved for BoA travel rewards cards (regular+premium) a week apart with 10k+15k limits; yeah, my cc is definitely ass. Even USBank approved me a couple of weeks ago while my only ever relation with them was a Harley Davidson cc I had for a few month.
The bank accounts remark meant to show that my identity is confirmable.
~Peace.
GS that issues the Apple Card actually checks Chex. Very unusual.