this post was submitted on 28 Nov 2023
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Yikes … so what does this mean? I really hope Synchrony doesn’t get the contract. Damn, this is the credit card that I have the largest limit and history with, this sucks.
Get a Citi Doublecash. One of the best cards around. No fees. Keep that thing open for life.
To be honest at this moment I’m done opening credit cards because I have all I need, but if anything happens where Apple doesn’t continue with the Apple Card then I may be forced to. It’ll be a big hit to my credit.
What even happens if they stop supporting the Apple card? Like would it really negatively affect our credit even if it's completely out of our control? Haven't dealt with a scenario where a card is discontinued before and how that affects users
Most likely, it’ll be a closed account which will drop your amount of open accounts and your amount of available credit.
I just closed my Citi DoubleCash. It declines SO MUCH and foreign transaction fees are a pain. It also has basically no perks.
Just swapped it for a Capital One Venture X. Card has a $395 annual fee, but gives $400 in annual cash benefits spendable on travel ($100 can be used on any travel, $300 can be used on their portal, which is perfectly fine for booking flights).
Benefit is the app/ecosystem is a lot nicer and it's never declined a transaction. They also started me out with over 3x the credit limit as Citi did.
It also has return protection, extended warranty, etc.
Dang, sorry to hear the problems with it. I don't travel a whole lot, so the travel cards don't do much for me, as great as they look.
Thanks for the info!
The Apple Card is the card I have the longest history with, and I would like to keep the account open for another year or two.
Is there any actual harm that Synchrony could do to us?
I hardly ever use the Apple Card, so I’m not really concerned about bad customer service or something like that.
Why are you going to close the account with the most credit history? That’s just going to fuck your credit score.
PayPal card is clutch too, unlimited 2% cash back and 3% when you use PayPal
That’d be clutch as well but I personally don’t want to apply for anything anymore credit card wise where I’ll get hit with a hard inquiry. That’s why I love AMEX and if I’m looking to open another card then they’d probably be one of the first companies I’d consider. I aged my credit report enough to the point where I was able to get all of my hard inquiries to fall off so now I’m at 0, and I’m not looking to get another one until I apply for a mortgage or car loan.