Didn't Barclay's remove the benefits / rewards of the card or something ? I thought I read this a couple of weeks ago.
Yes, thanks, that's good advice because of the history on the card.You should not cancel your other card unless it has a monthly fee you don't want to pay.
I got that weird Apple ID email (even though there was nothing wrong with mine) a week ago. It said I should get my invite in 48 hours; it has been way longer than that. Wonder what's going on over there...
Just applied, got a $7500 limit and 17.99% APR.
Don't think I'll use it much, but I want that titanium card just to show off.
Click the Plus signHow do you apply for one? When I open the wallet app I don't see it anywhere. I am on the latest iOS too. Do I need to have Apple Pay Cash setup?
Thanks! That was incredibly easy.
And then make sure you pay it off every month, because otherwise you are getting 3% back and paying much more than 3% in credit card interest.If you do the iPhone upgrade program, switch your payment on the citizen bank page to your Apple Card. You will get 3% back a month.
I've seen anything from $2000-40,000What kind of limits are people getting on these? Now that it's released I want one as I use Apple Pay all the time, but I have 4 main credit cards already and worry about the credit hit of getting another.
What kind of limits are people getting on these? Now that it's released I want one as I use Apple Pay all the time, but I have 4 main credit cards already and worry about the credit hit of getting another.
it only counts as a hard credit check if you get approved and you accept. So if you apply and don't like they credit limit or APR they offer you and don't accept the card, there's no record on your credit report
Ohh that's a game changer. I thought it was a hard check just to apply.
Friend, when did you become poor?only gave me 7.5k when i have perfect credit and like 15 cards at 15/20k wtf
i'll let it slide cause it's the apple card otherwise would've sent Goldman their garbage offer packing...... but whatevs, now gimme that Titanium
Any way to request an increase at some point? Through iMessage?
i would've made some calls for that insult from goldman
i would've made some calls for that insult from goldman
but i'll let it slide this time friend, i need to slide the 🍎 across the restaurant tables asap before everyone gets it
Adding other merchants for the 3% is big, and may ultimately make this card a more serious contender for CC buffs.
Apple Cash?
I think it changes color based on what you buy.I applied and got accepted the second time. But my card is showed as a plain white MasterCard with apple logo in the Wallet app, not the colorful one in promo pic. Is that normal?
I applied and got accepted the second time. But my card is showed as a plain white MasterCard with apple logo in the Wallet app, not the colorful one in promo pic. Is that normal?
- Your monthly debt obligations are too high given your income - examples may include loan or monthly housing payments
Key factors that adversely affected your credit score:
- Proportion of loan balances to loan amounts is too high
- Too few accounts currently paid as agreed
- Too many accounts with balances
- Length of time revolving accounts have been established
- Number of inquiries
I use that BoA card for those reasons. I have a second one for travel, but I don't use that one as much.It helps but I doubt it sways those really into cashback as it's still pretty limited.
I said this in another thread but they should just make it 3% for all online purchases, then it'd be viable over the BoA card.
The BoA card gives you 3% cashback for "online shopping", and that includes app based purchases like Uber/Lyft, food delivery services (Uber Eats, Postmates, Door Dash etc) and even digital subscriptions (Hulu, Netflix, etc).
by 'earlier than on time' do you mean 'before i get a bill' by chance?Well, I just got denied. Not 100% sure why. I always pay everything earlier than on time and I have a pretty good income.
Is it because I have a lease on my car? My credit score is 764 so I dunno. I'm actually kinda bummed. lol
Guess I don't get to join your club.
Well, I always pay something every week. And it's way more than my minimum. Basically whatever is left from my paycheck, which is usually a couple hundred.by 'earlier than on time' do you mean 'before i get a bill' by chance?
Well, I always pay something every week. And it's way more than my minimum. Basically whatever is left from my paycheck, which is usually a couple hundred.
Why? Is it wrong to pay off your card early? I would think that would be a plus. Because I never buy something I know I won't be able to eventually pay off. Am I supposed to hold onto my money until CapitalOne tells me to pay them? Because that would suck.
So is there anything I'd need to do that would make them more likely to approve me or just forget it? Because I don't know what else I can do. It seems like I'm being punished for being a good credit card holder. lolThe advantage is that when the banks report your credit utilization to the credit bureaus, typically when they generate your statement, your utilization percent will be lower, which is good. No long term effects on your credit score though since your utilization is ongoing and constantly updated with each new statement generation and when your credit happens to get checked
So the only disadvantage of waiting for your statement to pay things off is if you made a lot of purchases that month and it would send your utilization uncharacteristically high and you need your best score possible within the next 30-60 days for some reason
So is there anything I'd need to do that would make them more likely to approve me or just forget it? Because I don't know what else I can do. It seems like I'm being punished for being a good credit card holder. lol
With the cool extra features and nice looking card.
gold is so 2018why isn't you sliding the AMEX gold across the table or you too poor to fork over $250 a year friend?
gold is so 2018
get with the times friend. Whipping out an amex gold now is like signing antonio brown in 2019
Adding 3% to Uber does nothing for me as I already have that with my Chase Sapphire Reserve.
why isn't you sliding the AMEX gold across the table or you too poor to fork over $250 a year friend?
What are you doing here?sounds like you too poor to afford the annual fee friend. I have like 70k MR points from my rose gold Amex in 3 months.
If you're already apart of the AMEX system then I wouldn't bother with the Apple Card. Especially since you're comparing a premium tier $550 annual fee card to a no annual fee card.