Complete application and get Pre-approved. Don't accept the offer yet. Go to transunion/equifax/experian and enable credit freeze, accept the offer. You got a new credit card with out any hard enquiry. The payments get reported to all 3 bureaus when your bill gets generated. Thank me later. Fyi, i found it on youtube videos, plenty of people have shared this hack over there, it works and been around for a long time, i tried it today, apple needs to do something's about it.
What’s the benefit exactly
Are you kidding me lol. so freeze it on just 1 bureau?
I keep all 3 frozen, but only transunion is require dto be frozen
You’ll get a low ass credit limit
Your limit shows up before you accept
What’s the max Credit Limit for Apple Card? TC: 275k
Is this supposed to be a flex?
That’s it? That’s low bro
How low is your score if you’re worried about a hard inquiry?
So it goes for preapproval first, my score is around 745, they approved me , i freezed up my accounts and accepted, i got a notification from credit karma later that hard enquiry was blocked from apple
If you’re that worries about a hard inquiry you don’t need to be applying for credit cards.
Well i have around 745 score with <2 years of length of credit, it is fine wif you have long credit, it affects those with short credit length
No, it doesn’t in any significant way. It might be a very temporary ding of a few points at most.
I don’t really care about those hard pulls because eventually those new accounts get reported to your credit reports and your next lender will see it anyway. Also, I have ~40 accounts on my credit reports and never need to worry about the impact of a hard pull.
Who the fuck cares