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Apple Card Denial

Hello everyone!


I have a question. So I've applied for the Apple Card about 7 or so times over the course of the last three or so weeks. I keep getting the response that I'm being denied due to my "monthly debt obligations are too high given your income - examples may include loan or monthly housing payments". Upon getting this after the second attempt, I contacted Apple. They couldn't come up with an answer and put me in touch with TransUnion, the credit bureau that Apple Card and Goldman Sachs use. Before doing so, they told me that I could apply multiple times and as often as I'd like and it won't affect my credit score and maybe it would work and go through. Well, they connected me with a rep at TransUnion and after verifying who I was, was told they couldn't talk to me fully about my credit report due to confidentiality concerns, but they could send me my report. I said okay, that way I can look for any errors. It arrived and sure enough, no errors. My credit score is in the high 700's, no debt/loans, everything is paid on time and in full. So, I just applied again and it sent me an email stating "You have applied a number of times so we cannot verify the information you have provided at this time"... Are you serious..? So I called Apple again and ran through all this and the rep told me to wait 30 days and try again... So I'm still sitting here with no reason as to why I'm being denied... Does anyone have any suggestions or run into the same issue? I'm quite frustrated at this point in time. Any help would be greatly appreciated! Thanks!


- Austin


Posted on Sep 6, 2019 4:46 PM

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Apple Card Denial

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