should I apply for apple card through apple store check out or through the wallet

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should I apply for apple card through apple store check out or through the wallet

I haven’t applied for the Apple Card yet and want to use it to finance the 15 pro max. But will I have a different spending limit if I apply from Apple Store check out instead of the wallet? I’ve seen a video of someone applying for Apple Card through the wallet and only gettin a $500 limit but when they reapplied at check out for an apple product, their limit was enough to cover the product. I do have a 706 fico score and 655 transunion/equifax score. So I’m assuming my limit will be higher than my example. I just want to figure out the best way I should go about it before throwing two different soft inquiries to my credit history, to figure out which one gives me the higher limit

iPhone 11 Pro Max, iOS 17

Posted on Oct 2, 2023 9:50 PM

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Answer 1

Oct 3, 2023 5:40 AM in response to ItsKirby

Goldman Sachs uses TransUnion FICO 9 score. What is the source of the scores you shared. The amount of your credit limit is based on many factors, not just your FICO score. Annual income, experience with credit, past payment history, and your debt to income ratio are several aspects that have a large effect on your credit limit.

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Answer 2

Oct 3, 2023 1:00 PM in response to ItsKirby

Credit Karma frequently updates late. But your biggest issue as I see, is your annual income. The maximum I’d expect is around $1500 given what you’ve said above.

Sometimes the shopping cart can help with slightly higher credit limits.

If you want more specifics find me on Facebook. Join a FB group and tag me. I’ll try to help. Just a reminder. Don’t ever share personal information or financial information with anyone on the internet.

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Answer 3

ItsKirby Author

Level 1

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Oct 3, 2023 9:15 AM in response to Jeff Donald

I gross around 35-40k. the only thing I have helping my credit right now is an auto loan. I have never been late on a payment for that loan that I’ve had for a year and a half and only have about $1300 left on that loan. On credit karma it says my debt to income is 8% but it’s showing $300 more on my auto loan than what I really owe

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Answer 4

ItsKirby Author

Level 1

12 points

Oct 3, 2023 3:07 PM in response to Jeff Donald

Ohhhh okay. Thank you for all your help and information! Also how can I go about deleting this thread?

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Answer 5

Oct 3, 2023 5:37 PM in response to ItsKirby

Threads can’t be deleted in the community. You’re OK, with your posts/comments. No worries.

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should I apply for apple card through apple store check out or through the wallet

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