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data-globalnav-item-name="watch" data-topnav-flyout-trigger-compact="true" data-analytics-title="watch" data-analytics-element-engagement="hover - watch" aria-label="Watch" class="globalnav-link globalnav-submenu-trigger-link globalnav-link-watch"><span class="globalnav-link-text-container"><span class="globalnav-image-regular globalnav-link-image"><svg height="44" viewBox="0 0 35 44" width="35" xmlns="http://www.w3.org/2000/svg"><path d="m28.9819 17.1758h1.008v3.504h.094c.316-.697.978-1.108 1.945-1.108 1.336 0 2.18.856 2.18 2.338v4.09h-1.008v-3.844c0-1.119-.504-1.675-1.459-1.675-1.131 0-1.752.715-1.752 1.781v3.738h-1.008zm-2.42 4.441c-.164-.627-.721-1.136-1.629-1.136-1.137 0-1.852.908-1.852 2.338 0 1.459.727 2.384 1.852 2.384.849 0 1.441-.392 1.629-1.107h1.019c-.182 1.16-1.125 2.016-2.642 2.016-1.77 0-2.901-1.284-2.901-3.293 0-1.969 1.125-3.247 2.895-3.247 1.535 0 2.472.92 2.648 2.045zm-6.533-3.568v1.635h1.407v.844h-1.407v3.574c0 .744.282 1.06.938 1.06.182 0 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6.7242c-.1162.1118-.2661.1675-.4155.1675-.1577 0-.3149-.062-.4326-.1846-.2295-.2388-.2222-.6187.0171-.8481l6.5537-6.2959z\"></path></svg>"}]}},"textDirection":"ltr","wwwDomain":"www.apple.com","searchUrlPath":"/us/search","storeUrlPath":"/us","hasAbsoluteUrls":true,"hasShopRedirectUrls":false,"analyticsType":"support","storeApiKey":"","submenuApiUrl":"https://www.apple.com/api-www/global-elements/global-header/v1/flyouts"},"config":{"acGlobalHeaderVersion":"ac-globalheader-183-20240326-144320"}}}</script> <script type="text/javascript" src="https://www.apple.com/api-www/global-elements/global-header/v1/assets/globalheader.umd.js" ></script> <div id="app"> <div class="main section viewport-content" role="main" id="content"> <div id="sections" class=> <h1 class="gb-header">How your Apple Card application is evaluated</h1> <p class="subheader gb-subheader">Learn about the key criteria used to determine whether your Apple Card application is approved or declined.</p> <p class="gb-paragraph">Goldman Sachs uses <a href="#whycreditscore" class="gb-anchor" link-type="ANCHOR">your credit score</a>, your credit report (including your current debt obligations), and the <a href="https://support.apple.com/104952#requiredinformation" class="gb-anchor">income you report on your application</a> when reviewing your Apple Card application. This article highlights several factors that Goldman Sachs uses, in combination, to make credit decisions but doesn't include all of the details, factors, scores or other information used to make those decisions.</p> <ul class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">If you apply for Apple Card and your application is approved, there's no impact to your credit score<sup>1</sup> until you accept your offer. If you accept your offer, a hard inquiry is made. A hard inquiry may impact your credit score. If your application is declined or you reject your offer, your credit score isn't affected by the soft inquiry associated with your application.</p></li><li class="gb-list_item"><p class="gb-paragraph">If your application is declined, learn <a href="#denied" class="gb-anchor" link-type="ANCHOR">what you can do</a> to try and improve your next application.</p></li><li class="gb-list_item"><p class="gb-paragraph">If you combine accounts for <a href="https://support.apple.com/109303" class="gb-anchor">Apple Card Family</a>,<sup>2</sup> some of the credit factors mentioned above may be considered for both co-owners<sup>3</sup> when evaluating a combined credit limit for a co-owned Apple Card.</p></li><li class="gb-list_item"><p class="gb-paragraph">Personal finance companies, like Credit Karma, might display various credit scores, like TransUnion VantageScore. While these scores can be informative, if they differ from the FICO score used for your Apple Card application, they may not be as predictive of your approval.</p></li></ul> <p class="gb-paragraph">You can also <a href="https://getsupport.apple.com/?caller=kbase&PGF=PGF90002&category_id=SC0302&symptom_id=23382" class="gb-anchor">contact Apple Support</a> if you have questions about applying for Apple Card.</p> <h2 class="gb-header">Requirements to get Apple Card</h2> <ul class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">Be 18 years or older, depending on where you live.</p></li><li class="gb-list_item"><p class="gb-paragraph">Be a U.S. citizen or a lawful U.S. resident with a U.S. residential address that isn't a P.O. Box. You can also use a military address.</p></li><li class="gb-list_item"><p class="gb-paragraph"><a href="https://support.apple.com/102660" class="gb-anchor">Two-factor authentication</a> set up for your Apple Account</p></li><li class="gb-list_item"><p class="gb-paragraph">Be <a href="https://support.apple.com/111001" class="gb-anchor">signed in to your Apple Account</a>.<sup>4</sup></p></li><li class="gb-list_item"><p class="gb-paragraph">If your credit report is frozen, you need to temporarily lift the freeze before you apply for an Apple Card. Learn how to <a href="https://www.transunion.com/credit-freeze" class="gb-anchor" link-type="External link">lift your credit freeze with TransUnion</a>. </p></li><li class="gb-list_item"><p class="gb-paragraph">You might need to verify your identity with a Driver's license or State-issued Photo ID.</p></li></ul> <h2 id="deniedapplication" class="gb-header">Conditions that might cause your application to be declined</h2> <p class="gb-paragraph">When assessing your ability to pay back debt, Goldman Sachs considers multiple conditions before making a decision on your Apple Card application.</p> <p class="gb-paragraph">If any of the following conditions apply, Goldman Sachs might not be able to approve your Apple Card application.</p> <p class="gb-paragraph"><b>If you're behind on debt obligations or have previously been behind</b></p> <ul class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">You are currently past due or have recently been past due on a debt obligation.<sup>5</sup></p></li><li class="gb-list_item"><p class="gb-paragraph">Your checking account was closed by a bank (for example, because you repeatedly spent more than your available balance).</p></li><li class="gb-list_item"><p class="gb-paragraph">You have two or more non-medical debt collections that are recently past due.</p></li></ul> <p class="gb-paragraph"><b>If you have negative public records</b></p> <ul class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">A tax lien was placed on your assets (for example, due to a failure to pay sufficient taxes on time).</p></li><li class="gb-list_item"><p class="gb-paragraph">A judgment was passed against you (for example, due to litigation).</p></li><li class="gb-list_item"><p class="gb-paragraph">You have had a recent bankruptcy.</p></li><li class="gb-list_item"><p class="gb-paragraph">Your property has been recently repossessed.</p></li></ul> <p class="gb-paragraph"><b>If you're heavily in debt or your income is insufficient to make debt payments</b></p> <ul class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">You need more disposable income after you pay existing debt obligations.</p></li><li class="gb-list_item"><p class="gb-paragraph">Your debt obligations represent a high percentage of your monthly income (for example, your unsecured debt obligations, such as loans that aren't backed by collateral, are 50% or more of your total income).</p></li><li class="gb-list_item"><p class="gb-paragraph">You have fully utilized all of your credit card lines in the last three months and recently opened many new credit accounts.</p></li></ul> <p class="gb-paragraph"><b>If you frequently apply for credit cards or loans</b></p> <p class="gb-paragraph">You have a high number of recent applications for credit.</p> <p class="gb-paragraph"><b>If your credit score is low</b></p> <p class="gb-paragraph">Goldman Sachs evaluates your Apple Card application using TransUnion and other credit bureaus. If your credit score is low (for example, if your FICO® Score 9 is lower than 600),<sup>6</sup> Goldman Sachs might be unable to approve your Apple Card application.</p> <h2 id="whycreditscore" class="gb-header">Why your credit score is used</h2> <p class="gb-paragraph">Credit scores can indicate how you use and pay off debt.</p> <h3 class="gb-header">How credit scores are determined</h3> <p class="gb-paragraph">Information found in your credit report is used to determine your credit scores, which might include the following:</p> <ul class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">Your history of debt payments</p></li><li class="gb-list_item"><p class="gb-paragraph">Hard inquiries<sup>7</sup> on your credit score from new credit applications</p></li><li class="gb-list_item"><p class="gb-paragraph">The amount of debt you currently have on your credit accounts</p></li><li class="gb-list_item"><p class="gb-paragraph">The age of your credit accounts</p></li><li class="gb-list_item"><p class="gb-paragraph">The amount and type of loan accounts you have open</p></li><li class="gb-list_item"><p class="gb-paragraph">The percentage of available credit you've utilized</p></li><li class="gb-list_item"><p class="gb-paragraph">If and when you had a foreclosure, declared bankruptcy, or had debt sent to collections</p></li></ul> <p class="gb-paragraph">It's common to see varying credit scores when you look at different sources. Credit Karma and other services might display different credit scores, like TransUnion VantageScore, which is different from the TransUnion FICO® Score 9 that's used for your Apple Card application. </p> <p class="gb-paragraph">Your credit report and the timing of when your credit score is updated can affect your credit score.</p> <p class="gb-paragraph">By law, you're allowed to <a href="https://www.annualcreditreport.com/" class="gb-anchor" link-type="External link">get a free annual copy of your credit report</a> and <a href="https://www.transunion.com/credit-disputes/dispute-your-credit" class="gb-anchor" link-type="External link">file a dispute with TransUnion if you find an error</a>.</p> <p class="gb-paragraph"><a href="https://www.transunion.com/credit-score" class="gb-anchor" link-type="External link">Learn about credit scores from TransUnion</a>.</p> <h2 id="denied" class="gb-header">What you can do if your application is approved with insufficient credit or it's declined</h2> <p class="gb-paragraph">If your application is declined, a message with an explanation is sent to the primary email address associated with the Apple ID you used to apply for Apple Card. The message might show your credit score. If information provided by a credit bureau contributed to your application being declined, you can request a free copy of your credit report from that credit bureau using the instructions in the email you receive.</p> <p class="gb-paragraph">If you have a freeze on your credit report, you need to temporarily lift the freeze before you apply for Apple Card. Learn how to <a href="https://www.transunion.com/credit-freeze" class="gb-anchor" link-type="External link">lift your credit freeze with TransUnion</a>. </p> <h3 id="identity" class="gb-header">If your application is declined because your identification information couldn't be verified</h3> <p class="gb-paragraph">Make sure your name, address, and other information on your Apple Card application are correct. If you find inaccurate information, re-enter the information as needed.</p> <p class="gb-paragraph">If you are asked to verify with an ID, follow these steps:</p> <ol class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">Make sure there is nothing between your device's camera and your ID that could obscure any part of it.</p></li><li class="gb-list_item"><p class="gb-paragraph">Check that the Date of Birth, Last Name, and Address on the ID match the information you entered for your Apple Card application.<sup>8</sup></p></li><li class="gb-list_item"><p class="gb-paragraph">Make sure the ID hasn't expired.</p></li></ol> <p class="gb-paragraph">After you complete these steps, submit your application again. If your application is declined again for the same reason, <a href="https://getsupport.apple.com/?caller=kbase&PGF=PGF90002&category_id=SC0302&symptom_id=23382" class="gb-anchor">contact Apple Support</a>.</p> <p class="gb-paragraph">Your credit score won't be affected if you are declined or don't accept your offer. However, it might be impacted if your application is approved and you accept your offer.</p> <p class="gb-paragraph">You can apply for Apple Card again but might receive the same decision.</p> <p class="gb-paragraph">If you want to receive a different decision on your application when you apply again, you should review your credit report to <a href="#deniedapplication" class="gb-anchor" link-type="ANCHOR">see if you have conditions that might result in a declined application</a> and then <a href="https://www.consumerfinance.gov/ask-cfpb/what-are-common-credit-report-errors-that-i-should-look-for-on-my-credit-report-en-313/" class="gb-anchor" link-type="External link">check for these common errors in your credit report</a>.</p> <h3 class="gb-header">If you get an invitation to enroll in Path to Apple Card</h3> <p class="gb-paragraph"><a href="https://support.apple.com/en-us/109298" class="gb-anchor">Learn about Path to Apple Card</a>, why you were invited, and how enrollment can help you get approved for Apple Card later.</p> <h3 id="insufficient" class="gb-header">If you're approved but your credit limit isn't enough to buy a device with Apple Card Installments</h3> <p class="gb-paragraph">You can <a href="https://support.apple.com/104952#howtoapply" class="gb-anchor">apply for Apple Card</a> when you buy a <a href="https://support.apple.com/102730" class="gb-anchor">new iPhone, iPad, Mac, or other eligible Apple product</a> with <a href="https://support.apple.com/104950" class="gb-anchor">Apple Card Installments</a>. If your application is approved with insufficient credit to cover the cost of the device you want to buy, you can choose a different device that's covered by your credit limit, choose a different payment method, or <a href="https://www.apple.com/shop/trade-in" class="gb-anchor">use Apple's Trade-in program</a>.</p> <h2 class="gb-header">How your initial credit limit is determined</h2> <p class="gb-paragraph">To determine your initial credit limit, Goldman Sachs assesses your ability to pay using your income and the minimum payment amounts associated with your existing debt.</p> <p class="gb-paragraph">In addition, Goldman Sachs uses many of the same factors that are used to assess whether your application is approved or declined, including your credit score and the amount of credit you utilize on your existing credit lines.</p> <p class="gb-paragraph">Learn how you can <a href="https://support.apple.com/109299" class="gb-anchor">request a credit limit increase</a>.</p> <h2 class="gb-header">Why your application is pending or in review</h2> <p class="gb-paragraph">Goldman Sachs might need more time to review some applications, or request more information to verify your identity. After you apply, you are shown a message in Wallet app that will indicate your application is in review. Updates regarding your Apple Card application will be sent to the primary email address associated with your Apple ID. </p> <h2 class="gb-header">Apply on your iPhone</h2> <p class="gb-paragraph">If you're on your iPhone, you can <a href="https://wallet.apple.com/apple-card/setup/feature/ccs?referrer=cid%3Dapy-201-100001" class="gb-anchor">apply for Apple Card</a>.</p> <h2 class="gb-header">Learn more</h2> <ul class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">See <a href="https://support.apple.com/104952" class="gb-anchor" link-type="ICON">how to get started with Apple Card</a></p></li><li class="gb-list_item"><p class="gb-paragraph">Learn <a href="https://support.apple.com/104951" class="gb-anchor" link-type="ICON">how to make purchases with Apple Card</a></p></li><li class="gb-list_item"><p class="gb-paragraph">See how to <a href="https://support.apple.com/102517" class="gb-anchor" link-type="ICON">request a titanium Apple Card</a></p></li><li class="gb-list_item"><p class="gb-paragraph"><a href="https://www.apple.com/apple-card/how-to/#film-get-support" class="gb-anchor" link-type="ICON">Watch the video to see how you can get 24/7 support for Apple Card</a></p></li></ul> <div class="note gb-note"><ol class="list gb-list"><li class="gb-list_item"><p class="gb-paragraph">Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.</p></li><li class="gb-list_item"><p class="gb-paragraph">Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.</p></li><li class="gb-list_item"><p class="gb-paragraph">Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card, including amounts due on your Co-Owner's account before the accounts merged. Each Co-Owner will be reported to credit bureaus as an owner on the account. In addition, Co-Owners will have full visibility into all account activity and each Co-Owner is responsible for the other Co-Owner’s instructions or requests. Co-Ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of new Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. Either Co-Owner can close the account at any time, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, <a href="https://support.apple.com/109303" class="gb-anchor">click here</a>.</p></li><li class="gb-list_item"><p class="gb-paragraph">If you apply online with your Apple Account and don't <a href="https://support.apple.com/109301" class="gb-anchor">add your Apple Card to an eligible iPhone or iPad</a> that you own, you can only use it to make eligible purchases online and in-store at Apple.</p></li><li class="gb-list_item"><p class="gb-paragraph">A debt obligation can include mortgages, auto loans, personal loans, utility bills, and more.</p></li><li class="gb-list_item"><p class="gb-paragraph">Number provided for illustrative purposes. A range of FICO® scores might be considered by Goldman Sachs in conjunction with other factors in making credit decisions.</p></li><li class="gb-list_item"><p class="gb-paragraph">A hard inquiry occurs when a financial institution checks your credit for the purpose of extending you a line of credit or approving a loan.</p></li><li class="gb-list_item"><p class="gb-paragraph">If the information on your ID doesn't match the information you entered for your Apple Card application, try to apply again after you update your ID.</p></li></ol><p class="gb-paragraph">To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.</p><p class="gb-paragraph">If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.</p></div> <div id="disclaimer"> <div class="sosumi"><p class="gb-paragraph">Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. 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