Apple Card & Credit Scores
Hello, I've tried asking this question to the Apple Support team through my iPhone but they were not able to help me in a way that mattered. They did offer to send a complaint on my behalf and when I asked when it would be reviewed, she told me 30 days. I still have not heard back from them after all this time and I have to chuckle.
My main question is this: I had already owned an Apple Card a few months before I purchased the 2021 Macbook Pro 14" (my spending limit was $1.5k and the MacBook was $2.2k). I had the option of using the AC and not pay interest on the macbook + earn cash back. I purchased it, got an installment payment to my account which I paid immediately and then received cashback from the purchase a week later. Since I made my purchase in November, my credit score dropped significantly. When asking the Support staff the only answer they could give me was that I overspent my card. I understand that, but why offer the option to pay if it was over the limit? I've been early on all of my installments and now I am unable to apply for another credit card until my MacBook is paid off entirely. I am trying to build my credit as a young person and this is very disheartening, especially when it did not seem that the Support team cared very much. Any help is appreciated. Thanks and God bless.
MacBook Pro (2020 and later)
