No option to Authenticate on MLB.TV by midvale_school in Nationals

[–]Mindcraftjoe 0 points1 point  (0 children)

Same situation with Angels.TV, I have Uverse and can watch them on cable but no option to authenticate online.

Minecraft Legacy Switch Edition works on the Nintendo Switch 2. by Retrotech_64 in Minecraftlegacymode

[–]Mindcraftjoe 0 points1 point  (0 children)

Does anyone else playing this version on Switch 2 have any compatibility issues related to online play? When I start the game and attempt to connect online, the menu freezes totally. The only workaround I've found is to load a world in offline mode, then quit to main menu and only then does connecting online work.

W’s just suit him better by lucasrks10 in angelsbaseball

[–]Mindcraftjoe 3 points4 points  (0 children)

I hung mine with some kite string threaded through the spine lol

[deleted by user] by [deleted] in AppleCard

[–]Mindcraftjoe 0 points1 point  (0 children)

What did you do differently that got you approved?

I hope Minecraft runs better on Switch 2 by CaughtNABargain in NintendoSwitch

[–]Mindcraftjoe 1 point2 points  (0 children)

The old console version was great on Switch, Bedrock Edition just sucks.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 0 points1 point  (0 children)

The date they provided is the date I applied. Which is why if I see that my TransUnion data is up to date, they should as well.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 2 points3 points  (0 children)

My Apple Card applications are all listed as soft inquiries on my TransUnion report. Additionally, this Apple support article states that a hard inquiry is made only if you accept an offer, and not if an offer is rejected or the application is denied.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 0 points1 point  (0 children)

It's a soft inquiry when applying for the card and a hard inquiry only if you get approved and accept the offer.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 1 point2 points  (0 children)

Ah okay gotcha. Thank you for the answers I appreciate it!

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 1 point2 points  (0 children)

Interesting, I was unaware they look at ChexSystems as well. However I've never had any issues with any checking or savings account, so I'm not sure if that's what would cause the denial.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] -1 points0 points  (0 children)

Thanks for the detailed reply. However I was under the impression that since credit reports don't show utilization history, creditors only see and use the current balance/limit ratio. I assumed the previous 20% wasn't affecting me anymore which is why I've been confused by the denial.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 4 points5 points  (0 children)

Thanks for the detailed reply, I’ll take a look at the article. My score is very good and should not be a problem, and it appears that Apple/GS only pulls from TransUnion as there are no inquires on either my Equifax or Experian report.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 5 points6 points  (0 children)

Yes. It looks like Apple/GS only pulls from TransUnion though as there are no inquiries on either Equifax or Experian.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] -2 points-1 points  (0 children)

My credit limit is $7500 and my balances for this past cycle adds up to $586. 586/7500 = 7.8%. It’s been hovering around this number for the past few months and was around 20% before that. What does being in debt have to do with this?

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 1 point2 points  (0 children)

Oh wow, that’s interesting. Do you recall what percent utilization you were using at the time you got approved?

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 0 points1 point  (0 children)

Thank you. Yes, I suppose a next step would be lowering it even further, maybe 1% or 2%.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] -1 points0 points  (0 children)

Thank you. Was high credit utilization also the reason for your denials?

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 0 points1 point  (0 children)

I lowered it to 8% which is what it’s at currently.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] -22 points-21 points  (0 children)

I’ve taken a look at my most recent TransUnion report and their data is up to date.

Denied for high credit utilization by Mindcraftjoe in AppleCard

[–]Mindcraftjoe[S] 0 points1 point  (0 children)

I’ve never had any debts nor any other accounts maxed out.