Why Your Apple Card Application May Get Denied

Apple has posted a new support document detailed conditions that might cause your Apple Card application to be denied.

Goldman Sachs looks at your credit score, your credit report, the income you report on your application, and a number of other factors when reviewing your Apple Card application.

To get Apple Card, you must meet these requirements:
● Be 18 years or older, depending on where you live.
● Be a U.S. citizen or a lawful U.S. resident with a U.S. residential address that is not a P.O. Box. You can also use a military address.
● Own a compatible iPhone with the latest iOS version.
● Use two-factor authentication with your Apple ID.
● Sign in to iCloud with your Apple ID.
● 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 lift your credit freeze with TransUnion here.
● You might need to verify your identity with a Driver's license or State-issued Photo ID.


If any of the following conditions apply, Goldman Sachs might not be able to approve your Apple Card application.

If you're behind on debt obligations or have previously been behind
● You are currently past due or have recently been past due on a debt obligation.
● Your checking account was closed by a bank (for example, due to repeatedly spending more than your available account balance).
● You have two or more non-medical debt obligations3 that are recently past due.

If you have negative public records
● A tax lien was placed on your assets (for example, due to a failure to pay sufficient taxes on time).
● A judgement was passed against you (for example, as a result of litigation).
● You have had a recent bankruptcy.
● Your property has been recently repossessed.

If you're heavily in debt or your income is insufficient to make debt payments
● You don't have sufficient disposable income after you pay existing debt obligations.
● Your debt obligations represent a high percentage of your monthly income (for example, your unsecured debt obligations (i.e., loans that are not backed by collateral) are 50% or more of your total income).
● You have fully utilized all of your credit card lines in the last three months and have recently opened a significant amount of new credit accounts.


If you frequently apply for credit cards or loans
● You have a high number of recent applications for credit.

If your credit score is low
Goldman Sachs uses TransUnion and other credit bureaus to evaluate your Apple Card application. If your credit score is low (for example, if your FICO score is lower than 600), Goldman Sachs may not be able to approve your Apple Card application.

More details on how applications are evaluated and what you can do to improve your application can be found at the link below.

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