What credit score is needed to get an Apple Card?

Asked by: Palma Hermiston  |  Last update: November 10, 2022
Score: 4.3/5 (58 votes)

What credit score do you need for the Apple Card? According to Apple, customers with a credit score lower than 600 might not be approved for the Apple Card. This means that some applicants with fair or average credit (scores ranging between 580-669) might be accepted for the Apple Card, while others might be declined.

Is it hard to get approved for Apple Card?

The application process for Apple Card is incredibly straightforward. Once you're invited to apply, you can do so directly in the Wallet app on iPhone. Much of your information will be pre-filled based on your Apple ID. Details like your address, phone number, and name are pre-filled based on my Apple ID information.

Can I get an Apple Card with a 550 credit score?

Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.

Can I get Apple Card with 620 credit score?

There have been reports of some being approved with credit scores as low as 620. Therefore, you'll need to make sure you have at least what is considered "fair" credit if you want a decent chance of being approved.

What is the average credit limit on Apple Card?

Cardholders have reported credit limits as low as $50 and as high as $15,000. An Apple Card may be shared using Apple Card Family. It requires each person to be over 13 years old to share the card.

Apple Card Approval Odds - What credit score do you need for the Apple Credit Card?

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What Bureau does Apple Card pull?

If you have an Apple Card account, this information is reported by Goldman Sachs Bank to each of the three major credit bureaus — Equifax, Experian, and TransUnion1 — on at least a monthly basis. Your Apple Card will appear as a separate trade line on your credit report labeled APPLE CARD - GS BANK USA or GS BANK USA.

How do I prequalify for an Apple Card?

Apply through the Apple Wallet app or online, with no credit score dings until you accept the offer.
...
2. Get preapproved
  1. Open the Apple Wallet app and tap the plus sign icon at the top right of the screen.
  2. Select “Apply for Apple Card” and on the next screen, hit “Continue” at the bottom.

Can I get an Apple Card with 630 credit score?

What credit score do you need for the Apple Card? According to Apple, customers with a credit score lower than 600 might not be approved for the Apple Card. This means that some applicants with fair or average credit (scores ranging between 580-669) might be accepted for the Apple Card, while others might be declined.

What is the highest Apple Card limit?

The maximum Apple Cash balance you're allowed to have after verifying your identity is $20,000. If you're part of Apple Cash Family, the maximum Apple Cash balance you're allowed to have is $4,000.

What credit do you need for Amazon card?

You must have a good credit score of at least 670 to be considered for either of the co-branded Amazon Signature Visa cards. Amazon also offers two store-only cards that are not credit cards and can only be used for purchases on Amazon.

Why was my Apple Card denied?

Your credit score is too low

Apple lists a FICO credit score of less than 660 as an example of a score that may be too low to qualify for the Apple Card. A score higher than 660 is no guarantee of approval, however, and plenty of users with scores in the 700s have reported being denied.

Can you get approved for an Apple Card with bad credit?

The Apple Card's credit score requirement is 700+. This means that you need at least good to get this card. While it's possible to be approved with a lower score due to a high income or other positive factors, it's best to not take the risk.

Does Apple Card use Experian?

Yes, the Apple Card reports to the credit bureaus TransUnion, Experian, and Equifax on a monthly basis.

What is a FICO score of 9?

FICO 9 is a credit scoring model owned by the Fair Isaac Corporation (FICO), who introduced it to creditors in 2014 and consumers in 2016. As with FICO's older models, such as FICO 8, it scores your credit on a scale from 300 to 850. Your FICO 9 score indicates how likely you are to repay your debts.

What bank is Apple credit card?

Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.

Is it smart to get an Apple Card?

The Apple Card is a good credit card that's worth it for people with good credit or better who regularly buy Apple products and services, as well as for iPhone, Mac and iWatch users who are comfortable making purchases using Apple Pay. Owning the Apple Credit Card from Goldman Sachs doesn't have to cost you a thing.

Is Apple Card credit increase a hard pull?

All replies. Hi, Goldman Sachs, the Apple Card issuer and servicer, does a soft pull from TransUnion of your FICO 9 score. If your application is approved you'll get an offer showing your Credit Limit and APR. If you accept the offer, they'll do a hard pull.

How can I raise my credit score to 800?

How to Get an 800 Credit Score
  1. Pay Your Bills on Time, Every Time. Perhaps the best way to show lenders you're a responsible borrower is to pay your bills on time. ...
  2. Keep Your Credit Card Balances Low. ...
  3. Be Mindful of Your Credit History. ...
  4. Improve Your Credit Mix. ...
  5. Review Your Credit Reports.

Can you have a 700 credit score with collections?

Yes, it is possible to have a credit score of at least 700 with a collections remark on your credit report, however it is not a common situation. It depends on several contributing factors such as: differences in the scoring models being used.

How often does Apple increase credit limit?

Apple states in its “financial health” info that you can make a credit limit request after having your Apple Card for four months, but, according to the support page, Goldman Sachs uses your credit history with Apple Card to inform any request for credit limit increases, and this can take six months or more.

How do I get my FICO 9 score?

FICO Score 9 has been available to consumers since 2016. You can purchase it from FICO or possibly get it free from your credit card issuer, a lender or credit counselor through FICO's Open Access program, which allows lenders and credit counselors to share scores used in lending decisions.

Is Creditkarma accurate?

The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. This means a couple of things: The scores we provide are actual credit scores pulled from two of the major consumer credit bureaus, not just estimates of your credit rating.

How long does Apple Card approval take?

It can take somewhere between 7-10 business days to get approved for the Apple Credit Card. In some cases, you could get immediately approved. If you do, you'll get an offer with your initial credit limit and APR after applying. If you accept the offer, you can start using your Apple Card with Apple Pay.

Does Apple Card show up on credit karma?

You would need to call credit Karma and Goldman Sachs to find out if they have that information. I can tell you only from my personal experience. Yes, my Apple Card is listed on my Credit Karma account by TransUnion but not Equifax.

Is Experian boost a hoax?

Yes, Experian Boost is safe to use. Boost only adds on-time payments to your credit report, so it cannot hurt your credit score.