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Wednesday, August 14, 2019
Apple Details Why Some Apple Card Applicants Might Get Declined
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Apple last week announced an Apple Card Preview period and has since been rolling out Apple Card availability to many iPhone users ahead of a wider launch.
Apple aimed to make the Apple Card available to as many people as possible and there have been reports of people with credit scores in the 600s being approved, but there are still reasons why someone might get denied.
In a new support document shared today, Apple outlines the various reasons why someone might be declined, including low credit score, frequent credit card applications, heavy debt and low income, tax liens, bankruptcy, property repossession, past due debt obligations, a recent checking account closure, past due medical debt, and more.
Apple's support document has a detailed list of explanations for those who were declined, and when you apply for Apple Card, if you are declined by Goldman Sachs (Apple's partner) you'll get a reason why so you can cross reference it here for more information.
The document also explains how credit scores are determined (debt payments, hard credit inquiries, debt level, credit age, open loans, and more), and it details how customers can get a free credit score copy and dispute errors with TransUnion if mistakenly declined for a card. Apple recommends customers check for common errors that can be included in a credit report if there's an issue.
For customers who were declined because their identity could not be verified, Apple offers several recommendations such as verifying that application info is accurate and making sure ID scans (when requested) are clear and include an ID that's not expired and with a last name that matches the application.
When requesting an Apple Card, Goldman Sachs does a soft credit check that does not impact your credit score. Being declined or declining Apple's offer will not require a hard inquiry, which is only done when you actually accept the Apple Card.
Apple says that credit limit is determined by income and minimum payment amounts associated with existing debt, which is used to assess ability to pay.
Right now, Apple Card is limited to customers who have received an invite from Apple, but Apple appears to be sending out quite a lot of invitations to those who have signed up to be notified about Apple Card on the Apple Card website. A wide release for Apple Card could come in the next few weeks.
For more on how Apple Card works and what you can expect, make sure to check out our detailed Apple Card guide.
This article, "Apple Details Why Some Apple Card Applicants Might Get Declined" first appeared on MacRumors.com
Discuss this article in our forums
from MacRumors: Mac News and Rumors - All Stories https://ift.tt/2TvVRVQ
Apple last week announced an Apple Card Preview period and has since been rolling out Apple Card availability to many iPhone users ahead of a wider launch.
Apple aimed to make the Apple Card available to as many people as possible and there have been reports of people with credit scores in the 600s being approved, but there are still reasons why someone might get denied.
In a new support document shared today, Apple outlines the various reasons why someone might be declined, including low credit score, frequent credit card applications, heavy debt and low income, tax liens, bankruptcy, property repossession, past due debt obligations, a recent checking account closure, past due medical debt, and more.
Apple's support document has a detailed list of explanations for those who were declined, and when you apply for Apple Card, if you are declined by Goldman Sachs (Apple's partner) you'll get a reason why so you can cross reference it here for more information.
The document also explains how credit scores are determined (debt payments, hard credit inquiries, debt level, credit age, open loans, and more), and it details how customers can get a free credit score copy and dispute errors with TransUnion if mistakenly declined for a card. Apple recommends customers check for common errors that can be included in a credit report if there's an issue.
For customers who were declined because their identity could not be verified, Apple offers several recommendations such as verifying that application info is accurate and making sure ID scans (when requested) are clear and include an ID that's not expired and with a last name that matches the application.
When requesting an Apple Card, Goldman Sachs does a soft credit check that does not impact your credit score. Being declined or declining Apple's offer will not require a hard inquiry, which is only done when you actually accept the Apple Card.
Apple says that credit limit is determined by income and minimum payment amounts associated with existing debt, which is used to assess ability to pay.
Right now, Apple Card is limited to customers who have received an invite from Apple, but Apple appears to be sending out quite a lot of invitations to those who have signed up to be notified about Apple Card on the Apple Card website. A wide release for Apple Card could come in the next few weeks.
For more on how Apple Card works and what you can expect, make sure to check out our detailed Apple Card guide.
Tag: Apple Card
This article, "Apple Details Why Some Apple Card Applicants Might Get Declined" first appeared on MacRumors.com
Discuss this article in our forums
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Apple on iPhone Battery Locking Issue: We Want to Make Sure Battery Replacement is Done Properly
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Last week, iPhone repair site iFixit highlighted a new iPhone feature described as a "dormant software lock" designed to prevent customers who get unauthorized battery repairs from seeing the battery health of their devices.
On an iPhone XS, XS Max, or iPhone XR, getting a repair from a non-Apple authorized source results in a message that says "Unable to verify this iPhone has a genuine battery," with the iPhone refusing to display battery health information.
Apple today provided a statement on the issue to iMore, confirming that it did indeed introduce "a new feature" last year that brings up the aforementioned message when a non-authorized battery repair is made, with the aim of protecting customers from "damaged, poor quality, or used batteries."
The battery health feature that lets customers see the health of their batteries is blocked and not available, with no measurement of maximum capacity or peak performance capacity.
iFixit discovered that this message pops up regardless of the battery being used. An unauthorized repair from a shop using a genuine Apple battery from another iPhone displays the warning message just as a third-party non-Apple battery does.
According to Apple, the notification about the non-genuine battery does not affect a customer's ability to use the phone after the repair, but it is of course going to make customers wary of third-party repair shops that are not authorized by Apple.
The only way to avoid the messaging when getting a battery replacement on an iPhone XS, XS Max, XR (and presumably future iPhones) is to get that repair done through Apple. Apple charges $69 for an out-of-warranty replacement battery in its newest iPhones, which is more expensive than many third-party repair shops.
Repairs are free with AppleCare+ and when iPhones are under the one-year standard warranty, but as these iPhones age and are no longer covered, customers will need to shell out more money for an Apple-certified repair or live with a non-functioning battery health feature.
Research from YouTube channel The Art of Repair suggests that Apple's newest iPhones use a Texas Instruments microcontroller on the battery, which is designed to authenticate the battery.
Repairs from Apple and Apple Authorized Service Providers likely use Apple's proprietary RepairCal diagnostics software to reset the "Service" status when doing a battery replacement, something that can't be replicated by non-Apple repair shops without the required equipment.
This article, "Apple on iPhone Battery Locking Issue: We Want to Make Sure Battery Replacement is Done Properly" first appeared on MacRumors.com
Discuss this article in our forums
from MacRumors: Mac News and Rumors - All Stories https://ift.tt/2Z1uape
Last week, iPhone repair site iFixit highlighted a new iPhone feature described as a "dormant software lock" designed to prevent customers who get unauthorized battery repairs from seeing the battery health of their devices.
On an iPhone XS, XS Max, or iPhone XR, getting a repair from a non-Apple authorized source results in a message that says "Unable to verify this iPhone has a genuine battery," with the iPhone refusing to display battery health information.
Apple today provided a statement on the issue to iMore, confirming that it did indeed introduce "a new feature" last year that brings up the aforementioned message when a non-authorized battery repair is made, with the aim of protecting customers from "damaged, poor quality, or used batteries."
We take the safety of our customers very seriously and want to make sure any battery replacement is done properly. There are now over 1,800 Apple authorized service providers across the United States so our customers have even more convenient access to quality repairs.On an iPhone XR, XS, or XS Max that has a battery replaced outside of an Apple Store or an Apple Authorized Service Provider, the iPhone will simply read "Service" and will provide the messaging about a battery that can't be verified.
Last year we introduced a new feature to notify customers if we were unable to verify that a new, genuine battery was installed by a certified technician following Apple repair processes. This information is there to help protect our customers from damaged, poor quality, or used batteries which can lead to safety or performance issues. This notification does not impact the customer's ability to use the phone after an unauthorized repair.
The battery health feature that lets customers see the health of their batteries is blocked and not available, with no measurement of maximum capacity or peak performance capacity.
iFixit discovered that this message pops up regardless of the battery being used. An unauthorized repair from a shop using a genuine Apple battery from another iPhone displays the warning message just as a third-party non-Apple battery does.
According to Apple, the notification about the non-genuine battery does not affect a customer's ability to use the phone after the repair, but it is of course going to make customers wary of third-party repair shops that are not authorized by Apple.
The only way to avoid the messaging when getting a battery replacement on an iPhone XS, XS Max, XR (and presumably future iPhones) is to get that repair done through Apple. Apple charges $69 for an out-of-warranty replacement battery in its newest iPhones, which is more expensive than many third-party repair shops.
Repairs are free with AppleCare+ and when iPhones are under the one-year standard warranty, but as these iPhones age and are no longer covered, customers will need to shell out more money for an Apple-certified repair or live with a non-functioning battery health feature.
Research from YouTube channel The Art of Repair suggests that Apple's newest iPhones use a Texas Instruments microcontroller on the battery, which is designed to authenticate the battery.
Repairs from Apple and Apple Authorized Service Providers likely use Apple's proprietary RepairCal diagnostics software to reset the "Service" status when doing a battery replacement, something that can't be replicated by non-Apple repair shops without the required equipment.
This article, "Apple on iPhone Battery Locking Issue: We Want to Make Sure Battery Replacement is Done Properly" first appeared on MacRumors.com
Discuss this article in our forums
from MacRumors: Mac News and Rumors - All Stories https://ift.tt/2Z1uape
How to use Dark Mode on iPhone
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With Dark Mode in iOS 13, as well as Invert Colours, Low Light and Night Shift in iOS 12 and earlier, you can reduce eye strain and improve your nighttime viewing experience on iPhone
from Latest iPhone Articles from Macworld UK https://ift.tt/2F2fGMc
With Dark Mode in iOS 13, as well as Invert Colours, Low Light and Night Shift in iOS 12 and earlier, you can reduce eye strain and improve your nighttime viewing experience on iPhone
from Latest iPhone Articles from Macworld UK https://ift.tt/2F2fGMc
iPhone XR review
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If you aren't sure you are ready to leave the Home button behind and embrace Face ID, think again. We'll tell you why the iPhone XR is worth the sacrifice and actually better than the XS in our full review.
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If you aren't sure you are ready to leave the Home button behind and embrace Face ID, think again. We'll tell you why the iPhone XR is worth the sacrifice and actually better than the XS in our full review.
from Latest iPhone Articles from Macworld UK https://ift.tt/2OZi27W
iPhone tips & tricks
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Within the iPhone lies a myriad of hidden features you may not have even known existed... until now. We've picked our favourite time-saving, life-enhancing tips and tricks for every model of iPhone
from Latest iPhone Articles from Macworld UK https://ift.tt/2JLlT1W
Within the iPhone lies a myriad of hidden features you may not have even known existed... until now. We've picked our favourite time-saving, life-enhancing tips and tricks for every model of iPhone
from Latest iPhone Articles from Macworld UK https://ift.tt/2JLlT1W
iPhone 7 review
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Our iPhone 7 review tests and rates the iPhone 7's features, tech specs, camera and value for money, to help you decide if Apple's smallest and cheapest iPhone with a Home button is the best smartphone for you
from Latest iPhone Articles from Macworld UK https://ift.tt/2QrT3an
Our iPhone 7 review tests and rates the iPhone 7's features, tech specs, camera and value for money, to help you decide if Apple's smallest and cheapest iPhone with a Home button is the best smartphone for you
from Latest iPhone Articles from Macworld UK https://ift.tt/2QrT3an
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