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MyFako Condones this Crap

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LOL... get rid of your computer because of APR!!!!!!


 

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Regular Contributor

‎08-07-2019 04:57 PM

Re: Apple Unveils new Apple Card

hi again This is why I think the apple card is bs thay said this card was going to have lower rate if you can't get great rate with score over 800 and no lates and good income then what kind of card is the Apple card, Tim was bs the public I may get rid of my apple. Thay are going to tern off lot good customers. I hope that Golden Sachs has recon line. Most of my cards have lower rate then what Apple is giving me. If this what Apple card is going to be for customer with fico score over 800 then it is going to hurt Apple. What wouwould do pass on this card. Just for info my Discover card has cl of 27k and my BOA mastercard has cl of 15K and both cards have intrest rate around 14 percent.

 

 

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1 hour ago, hegemony said:

LOL... get rid of your computer because of APR!!!!!!


 

 

If that person pays the account in full every month, why would anyone care about APR? Very interesting roar. An important unpaid balance will weigh your FICO score, and he may have exaggerated his 800 points. In addition, his way of thinking and the way he has it is a way of credit decline, a road to credits perdition.

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14 hours ago, MP80 said:

If that person pays the account in full every month, why would anyone care about APR? Very interesting roar. An important unpaid balance will weigh your FICO score, and he may have exaggerated his 800 points. In addition, his way of thinking and the way he has it is a way of credit decline, a road to credits perdition.

Eggs Zachary.  APR is not relevant for the prudent consumer. 

 

He is ALSO an idiot for believing that Apple has any real say in the underwriting practices, which include the assignments of things like APR.  Someone at GS has clearly realized that a no-late-fee requirement needs to be priced along product lines and that means some consumers are going to see numbers they don't like, but those consumers can simply pay in full which makes the APR a nullity.  But if he didn't grasp the actual name of the underwriter, then nuances of the underwriting will have sailed far above his head...

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hahahahaha

someone is doing it wrong...

 

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No Push Payments also means you cannot BT the amounts off your AppleCard 20% - 24% APR to a Discover card or another BT offer. If you have a $15k limit, and a 20% APR, you either pay in full or enjoy checking the phone app to see how much interest you will pay on that $10k balance.  

 

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Posted (edited)

a few months out of BK and already seeking aspirational statements that highlight concerns with self-worth.


 

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Cap1 Auto Navigator Approval!!!

I pulled the trigger and was pre-qualified through Auto Navigator only a month from Ch 7 discharge. My 2006 Hyundai Sonata with 213,000 miles is on it's last leg 

 

My prequal requires $1000 down. I found the car I love through a participating dealer, Carmax.

Car:

2015 Mercedes-Benz C250 Sport coupe w/ 27,700 miles for $21,998. It was a lease with 2 owners. No damage or accidents.

 

Rate is high at 10.43% but I will refinance with my credit union in 6-8 months. I'm not worried about being upside down as I will be paying $1000 each month. Monthly payment came out $421 over 72 months. Scores in sig when applied. Cap1 hard pulled all 3.

 

some people don't even learn from BK... too low of a down... too long of a term... too shitty of a 5 year old car...

Edited by hegemony

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3 hours ago, hegemony said:

a few months out of BK and already seeking aspirational statements that highlight concerns with self-worth.


 

some people don't even learn from BK... too low of a down... too long of a term... too shitty of a 5 year old car...

They seem to have it figured out pretty well. Live beyond your means for a few years and then BK it all away. Rinse and repeat. 

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2 hours ago, DPB said:

They seem to have it figured out pretty well. Live beyond your means for a few years and then BK it all away. Rinse and repeat. 

I've known of more than one case where the debtor told the BK personnel in the courtroom that they would 'see them again in seven years.' Really a sad testimony to the irresponsibility of some consumers...

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2 hours ago, TheVig said:

The Golden Sach Apple card is the new flavor of the week over there.

Of course it is. It’s the new shiny thing with no real value. They now have one more card image they can put in their ridiculous signatures at the end of each post. 

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47 minutes ago, DPB said:

Of course it is. It’s the new shiny thing with no real value. They now have one more card image they can put in their ridiculous signatures at the end of each post. 

Imagine how many of those d1ld0s now have burlap spades.

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NEW/USED:  Used
YEAR OF VEHICLE:  2014
MAKE:  CHEVROLET
MODEL:  SILVERADO LTZ Z71 W/ 2LZ PACKAGE
MILEAGE:  94K
FINANCE/LEASE:  Finance

PURCHASE PRICE:  ~$29,000 (27K + TAX,TAG,TITLE,ETC)
AMOUNT OF LOAN:  $27,300
TERM CONTRACTED:  66 MONTHS (5.5 YEARS)
APR/LEASE RATE:  8.26
MONTHLY PAYMENT:  $519.36
ANNUAL INCOME:  $40K
DEBT TO INCOME RATIO:  45%

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NEW/USED:  Used (CPO)
YEAR OF VEHICLE:  2016
MAKE:  BMW
MODEL:  328i X Drive
MILEAGE:  28,000
FINANCE/LEASE:  Finance

PURCHASE PRICE:  $26,000
AMOUNT OF LOAN:  $23,000
TERM CONTRACTED:  7 YRS
APR/LEASE RATE:  2.99
MONTHLY PAYMENT:  $388
ANNUAL INCOME:  $620K???????????

 

620k in income and you need to finance a 26k used car???? makes no sense

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5 hours ago, TheVig said:

 

Wayfair is going to help RickyRay's utilation.  Thought that might be a simple typo, until he references the same in a subsequent post.

 

That's ok.  I'm sure that, in order to balance things out, he separately writes about his ventilization system.

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42 minutes ago, hdporter said:

Wayfair is going to help RickyRay's utilation.  Thought that might be a simple typo, until he references the same in a subsequent post.

 

That's ok.  I'm sure that, in order to balance things out, he separately writes about his ventilization system.

Haha! The Unknown Known!

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On 8/10/2019 at 1:33 PM, TheVig said:

The Golden Sach Apple card is the new flavor of the week over there.

Just logged in for the first time in 6 months...  It is a feeding frenzy.  Some are giving up perfectly good androids to reach for credit bliss.

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APPROVING BANK: NFCU
BUREAU PULLED: EQ
CREDIT SCORE: EQ FICO 8 - 700

SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: USA, CA
NEW/USED: NEW
YEAR OF VEHICLE: 2019
MAKE: TESLA
MODEL: MODEL 3
MILEAGE: N/A
FINANCE/LEASE: FINANCE

PURCHASE PRICE: 54k
AMOUNT OF LOAN: 45.5k
TERM CONTRACTED: 84/months
APR/LEASE RATE: 5.39%
MONTHLY PAYMENT: $585.68
ANNUAL INCOME: 100k +
DEBT TO INCOME RATIO: N/A—(Sorry I don't know this)

 

 

$45,500 for 84 months at that rate??? my math says the payment is more like $650?

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35 minutes ago, hegemony said:

$45,500 for 84 months at that rate??? my math says the payment is more like $650?

 

You're gonna go blind if you keep scrutinizing that group so intently ...

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senior contributor claims "It would be best to get a bank card either MC/Visa. Apple Card is like a store card."

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