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Apple Card caught me in some infinite “in review” loop. This happen to anyone? CS can’t help, card has no balance. Weird? No fraud reported
[Re-Titled by Moderator]
There are a number of possibilities. Activities that cause a review are business purchases (card is personal account), the purchase pattern is unusual for a new account, large payoffs before first statement are just a few irregularities. Most reviews are completed in 30 days.
The reason the installment plan lowers the Available Credit is it’s an interest free installment plan not a lay-way-plan. You walked out the with the gear, it applied to the balance.
You may want to investigate a business credit card account. Several larger banks offer true business cards that won’t affect your personal credit profile. Apple Card is a consumer/personal account. Using it for business transactions is another red flag for Goldman.
Why did you put on installments and pay off before even first installment billed? You and I may not think it suspicious, but a bank will on a brand new account.
“Your card is in internal review” says the agent. This happened because i paid off my original 12 month no-interest balance in full in order to buy yet again another computer which was approved. I’ve only had the card a few weeks and bought two computers on it in that time. I triggered some odd weirdness clearly by this. So the savings account is also frozen. So strange.
Thanks. Makes sense but 30 days is way too long to have such a situation. It was easier just to cancel the card and close savings and move it over to Amex which had an associated high yield savings. I read Apple is severing its relationship with Apple which makes sense and Apple will use Amex now anyway. Appreciate your help!
Simple. They start you with a lower credit limit when you first get the card. Even though you have the item in installments, they block the entire amount from the credit limit which makes sense. However since I wanted buy another computer for another employee I couldn’t because the total of the two would exceed the limit. The agent said if I paid off the installment one it would clear all the credit limit back, which I did then bought the new computer. And boom. All the bells went off and no agent could explain what would happen next other than a total freeze (including the new computer!) and an unknown time frame to resolve.
What exactly is the message?
Apple Card caught in infinite “in review” loop
