1. edswife1970's Avatar
    I haven’t yet. Not sure if I will apply or not. It does seem kind of cool though!!
    Annie_8plus likes this.
    08-06-2019 07:49 AM
  2. Annie_8plus's Avatar
    I haven’t and I’ll pass if I do. It does seem neat, bu we’re happy with what we already have.
    08-06-2019 07:55 AM
  3. kataran's Avatar
    I can’t wait for an invite I haven’t had a credit card for 14 years and I want to try this
    08-06-2019 02:46 PM
  4. Craig's Avatar
    I got my invite today, popped up on my phone and it's in the Wallet. Not applying, but got the invite. Not wasting a 5/24 slot on this card.
    08-06-2019 03:00 PM
  5. jimpilot's Avatar
    I didn’t get one. Was kind of expecting it. Wonder how they decided, I signed up for their “be the first to know”
    08-06-2019 03:34 PM
  6. edswife1970's Avatar
    I didn’t get one. Was kind of expecting it. Wonder how they decided, I signed up for their “be the first to know”
    I’m not sure how they are picking the people to invite. I signed up to be notified too and haven’t been so far. They probably have thousands of people interested, so it will take a while to get to everybody.
    08-06-2019 04:43 PM
  7. TechTs's Avatar
    I did and I got mine! Will be waiting for the physical card in the mail!
    08-06-2019 11:12 PM
  8. Annie_8plus's Avatar
    I did and I got mine! Will be waiting for the physical card in the mail!
    Congratulations! It will be interesting to hear how you like it!
    aximtreo likes this.
    08-07-2019 06:42 AM
  9. Craig's Avatar
    I am still very confused to why people want this card? Security is nice and the few % off on apple products are good, but why else? Why take the hard hit to your credit report and lower your AAOC for a card that's really only apple based? There is no SUB or anything making it worth getting.. .the 1% on other purchases is crappy compared to other cards that give 1.5% or 2% or even 3% on Gas and 6% on groceries. Even the UBER card is a better all around card. I am at a loss...
    Just_Me_D and Annie_8plus like this.
    08-07-2019 11:45 AM
  10. kataran's Avatar
    Just got my invite and although I haven’t any credit cards or applied for one since my divorce it was the most stress free and easy process I’ve ever done.

    Instant access and the physical card will arrive in 4 to 6 days

    Apple thinks big and they have big plans that where not aware of in this endeavor I believe
    joemd60 and dazzlingirl like this.
    08-07-2019 05:25 PM
  11. phreddyl's Avatar
    Why doesn’t Apple love me... where’s my invite. Sigh
    Auronda40 likes this.
    08-07-2019 08:28 PM
  12. edswife1970's Avatar
    Just watched a YouTube video about how to make a payment to the Apple Card. You have to use Apple Cash! I can’t add my debit card to Apple Cash to add money to it to pay anything! My bank (credit union) doesn’t support it.
    08-08-2019 10:41 AM
  13. joemd60's Avatar
    I have a high credit score, and pay my bills on time. Until a credit card company recognizes that, I will pass. My currant Visa sits dormant because they think a percentage rate in the 20’s is acceptable.
    ladyc0524 and Just_Me_D like this.
    08-08-2019 10:54 AM
  14. RTakher209's Avatar
    I got my invite yesterday. I applied and was approved instantly. I was a little surprised by the credit limit they gave me, I thought it would be higher but hell I don’t need anymore than what I got anyway. I was approved for $8,000 limit with a 16.99% APR. My credit score is 802.
    kataran, joemd60 and Just_Me_D like this.
    08-08-2019 11:38 AM
  15. MasterDarque's Avatar
    Invited today... applied... and only was thanked for my interest in getting one.
    Basically... ‘no soup for you.’
    08-08-2019 03:42 PM
  16. Pirate's Avatar
    I didn’t get my invite but was able to apply in the wallet app anyway. Got the 12.99% rate, cool.
    08-08-2019 04:37 PM
  17. MasterDarque's Avatar
    I didn’t get my invite but was able to apply in the wallet app anyway. Got the 12.99% rate, cool.
    Congrats.
    08-08-2019 04:40 PM
  18. kataran's Avatar
    I didn’t get my invite but was able to apply in the wallet app anyway. Got the 12.99% rate, cool.
    Yeah I heard a lot of people where able to do that
    08-08-2019 04:45 PM
  19. phreddyl's Avatar
    I got my invite! Approved for the 12.9%
    Annie_8plus, kataran and joemd60 like this.
    08-08-2019 06:33 PM
  20. Annie_8plus's Avatar
    That’s awesome!
    phreddyl likes this.
    08-08-2019 07:06 PM
  21. Frehley's Avatar
    I didn’t get an invite, but also could apply through wallet. Got a 17.99% rate and I have an 820 FICO score...not sure how they come up with the rate. But in 6 months I can request a lower rate. And I won’t be carrying a balance so...
    08-09-2019 12:39 PM
  22. joemd60's Avatar
    I didn’t get an invite, but also could apply through wallet. Got a 17.99% rate and I have an 820 FICO score...not sure how they come up with the rate. But in 6 months I can request a lower rate. And I won’t be carrying a balance so...
    Those are my exact same sentiments. You should be getting a 9 or 10% rate on a credit card with a credit score like that.
    Frehley likes this.
    08-09-2019 12:55 PM
  23. Craig's Avatar
    No cards are giving that rate anymore, 12.99% is about a low as one is to expect. Even high end cards like Chase Sapphire Reserve is at 16.9% - 23.4%. The interest rate should be moot as you should not be carrying a balance anyway. Credit Cards if used wisely makes you money and adds security to your purchases. One should never buy something on credit they can't afford to buy with cash the same day.
    Frehley likes this.
    08-09-2019 02:16 PM
  24. joemd60's Avatar
    No cards are giving that rate anymore, 12.99% is about a low as one is to expect. Even high end cards like Chase Sapphire Reserve is at 16.9% - 23.4%. The interest rate should be moot as you should not be carrying a balance anyway. Credit Cards if used wisely makes you money and adds security to your purchases. One should never buy something on credit they can't afford to buy with cash the same day.
    I completely agree, that’s how it should be, it’s only my opinion. Interest rates on credit cards is insanely high. How many people in the real world “use their cards wisely”, or don’t carry somewhat of a balance on them?
    They are financial poison, aimed at those that don’t, because we live in a society based on credit and loans.
    08-09-2019 05:37 PM
  25. Craig's Avatar
    I completely agree, that’s how it should be, it’s only my opinion. Interest rates on credit cards is insanely high. How many people in the real world “use their cards wisely”, or don’t carry somewhat of a balance on them?
    They are financial poison, aimed at those that don’t, because we live in a society based on credit and loans.
    Sadly it's what the banks count on, people going into insane debt and paying $1200 for a $300 item over time. It's how those silly appliance rental places work pay $4000 for a $800 fridge. I spend a lot of time on the Credit / CreditCard / Churning / PersonalFinance pages on Reddit and we try to help people out of debt and make better choices, not only that with /r/Churning those who profit on credit card SUBs for money, flights, hotels, etc. Unless my life was in horrible shape and it was the last choice to eat or keep a roof over my head or stay alive, I would never carry a balance. The only reason I carry one on my new car is it's only 1.99% and I am paying it off in 1/2 the time (double payments) and will only over the length of payment pay $680 in interest on a $28K car... so I can give that up as I get 2.5% interest in savings. May people on the forums talk about this card because it's Metal and Cool. Credit Cards don't need to be cool, they need to serve their purpose, and Apple knows we pay a premium for their products and of course they know they're going to make a CRAP TON of $$$ on people going into debt on this card.
    joemd60, Just_Me_D and dazzlingirl like this.
    08-09-2019 05:44 PM
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