Apple Card Denial Because ChexSystems?

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In this video I cover a recent denial for the Apple Credit Card with checking accounts being the stated reasons.
Tune in and let me know what you think in the comments!
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[@73ocampo]

Hello, on a side note. I was in Seattle for a game and a weekday getaway. Long story short, I was using my Amex card for dinning. I received a email and they lowered my line of credit by 1K? I have paid off my bal. in full every month. However, I used a card for vehicle service. I got into a brand new apartment so I had several inq. That was their reason. Really frustrating, my Apple card has been fine so far 🤞Thank you for the video. Sorry for the rant!

[@WalletMonkeys]

Ya hearing Amex cutting limits more and more over these last 3 or so months, sorry to hear that happened and glad to hear the Apple card is still good!

[@edlowrance758]

I reviewed my ChexSystems report a while back and I noticed that Goldman Sachs pull my ChexSystems report when I applied for the Apple Card. I applied for the GM Business card from Goldman Sachs and they did the same thing. I was denied because the couldn't identify me. Go figure.

[@Epuxstudios]

Really good content gots know I’m subscribed.

[@WalletMonkeys]

Glad you liking! Thanks for watching

[@KeithCozy]

Gotta be eligible for "apple cash' which is basically debit/checks, or cash. Pretty much a virtual debit card backed by a bank who pulls ChexSystems.

[@rodneythomas359]

what banks use Vantage scores u should make a list

[@wscottsmith010]

New credit and increases are tight these days.

[@WalletMonkeys]

Oh yaaaa!

[@rambosidi7634]

Yep

[@CapitalVisionClarity]

Getting crazy data mining

[@johntruluck6210]

The only reason I keep the Apple Card is for the ability to finance Apple products at 0%.
Otherwise, it’s a totally underwhelming card.

[@WalletMonkeys]

Agreed!

[@westswell2757]

You also need to have your Trans Union credit file available and unfrozen. If you leave it frozen by default, you can unfreeze it temporarily while you apply and wait for a decision.

[@cylvaniaallen4498]

I have this card, it’s 😑

[@WalletMonkeys]

It really is

[@shawn.credit]

Interesting didn’t know they used Chexsystems for the Apple Card. I got mine a little over a year ago when my Chex was still decent. It’s since been trashed with tons of checking accounts hahahaha!

[@michaelstewart1838]

🧐🧐🤔. Hmmm... 🤔

[@michaelstewart1838]

First 🙋‍♂️

[@WalletMonkeys]

BOOM!

[@LemonLimes99]

Freezing Chex works for the application.

[@WalletMonkeys]

Good idea, did you test this?

[@LemonLimes99]

@@WalletMonkeys yup, got 5 k pre-approval

[@Citadel-OBJECTBINGO]

No it wouldn’t work they will tell you it’s frozen and you need to unfreeze it