Is it hard to get the Apple Card? This question is about the Apple Card

Is it hard to get the Apple Card?

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This question is about the Apple Card

Chip Lupo, Credit Card Writer

@CLoop • 09/22/22 This answer was first published on 09/22/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, it is hard to get the Apple Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Apple Card.

In order to get the Apple Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN, ITIN or driver’s license.

Keep in mind that even if you meet all of the requirements for the Apple Card, you’re never guaranteed to be approved.

Answer Question

Does the Apple Credit Card do a hard inquiry?

Applying for the Apple Credit Card does lead to a hard inquiry into an applicant’s credit report, but only at a certain point in the application process. First, Goldman Sachs, the card’s issuer, does a harmless soft pull of the applicant’s credit. Some people may be denied right away based on this soft pull. People who seem to qualify for the card based on the soft pull will then get to see an offer for what their initial credit limit and APR would be. If they accept this offer, Goldman Sachs will then do a hard pull to finalize the application.… read full answer

So in short, everyone who gets the Apple Credit Card will have to go through a hard pull, which will temporarily drop their credit score by a few points. But people who are immediately denied or who do not accept the card’s credit limit and APR offer only have a soft pull, which will not affect their score.

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What is Apple Credit Card credit limit?

My credit limit with them is $37.500,00

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How long does it take to get approved for the Apple Credit Card?

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.… read full answer

If you would like to know your application status, call 877-255-5923.

Keep in mind that, after approval, you need to personally request the Apple Card from the Wallet app. It will be shipped to you, free of charge in 6-8 business days.

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