Apple Details Why Some Apple Card Applicants Might Get Declined

Apple last week announced an Apple Card Preview period and has since been rolling out ‌Apple Card‌ availability to many iPhone users ahead of a wider launch.

Apple aimed to make the ‌Apple Card‌ available to as many people as possible and there have been reports of people with credit scores in the 600s being approved, but there are still reasons why someone might get denied.


In a new support document shared today, Apple outlines the various reasons why someone might be declined, including low credit score, frequent credit card applications, heavy debt and low income, tax liens, bankruptcy, property repossession, past due debt obligations, a recent checking account closure by a bank, past due medical debt, and more.

Apple's support document has a detailed list of explanations for those who were declined, and when you apply for ‌Apple Card‌, if you are declined by Goldman Sachs (Apple's partner) you'll get a reason why so you can cross reference it here for more information.


The document also explains how credit scores are determined (debt payments, hard credit inquiries, debt level, credit age, open loans, and more), and it details how customers can get a free credit score copy and dispute errors with TransUnion if mistakenly declined for a card. Apple recommends customers check for common errors that can be included in a credit report if there's an issue.

For customers who were declined because their identity could not be verified, Apple offers several recommendations such as verifying that application info is accurate and making sure ID scans (when requested) are clear and include an ID that's not expired and with a last name that matches the application.

When requesting an ‌Apple Card‌, Goldman Sachs does a soft credit check that does not impact your credit score. Being declined or declining Apple's offer will not require a hard inquiry, which is only done when you actually accept the ‌Apple Card‌.

Apple says that credit limit is determined by income and minimum payment amounts associated with existing debt, which is used to assess ability to pay.

Right now, ‌Apple Card‌ is limited to customers who have received an invite from Apple, but Apple appears to be sending out quite a lot of invitations to those who have signed up to be notified about ‌Apple Card‌ on the Apple Card website. A wide release for ‌Apple Card‌ could come in the next few weeks.

For more on how ‌Apple Card‌ works and what you can expect, make sure to check out our detailed Apple Card guide.

Top Rated Comments

(View all)
Avatar
16 months ago

Only rich people, please. Have a nice day.

Id hardly call them approving people in the 600s the rich people
Score: 41 Votes (Like | Disagree)
Avatar
16 months ago

Id hardly call them approving people in the 600s the rich people

This whole status symbol, rich people only get Apple Cards is just garbage. I have an iPhone 7 and $690 in the bank. I was approved. I am not rich.
Score: 27 Votes (Like | Disagree)
Avatar
16 months ago
declined for potentially making an apple card bend test video
Score: 26 Votes (Like | Disagree)
Avatar
16 months ago
For people who don't want to read the whole story, here's an executive summary.

Reasons your application for an Apple Card may get rejected:

* You're not cool enough
* You look like a dork
* You're too old (note: may overlap with the previous two reasons)
* You made fun of Tim Cook once on MacRumors
Score: 21 Votes (Like | Disagree)
Avatar
16 months ago

Only rich people, please. Have a nice day.

Define rich.


I consider myself rich, I travelled the world, own a house, am in good health, can't afford a [COLOR=#000000]Porsche ('https://www.google.com/search?client=safari&rls=en&q=porsche&spell=1&sa=X&ved=0ahUKEwi_1cyPnoPkAhUFblAKHXKVA-oQkeECCC0oAA'), good wage.[/COLOR]
Score: 19 Votes (Like | Disagree)
Avatar
16 months ago

Id hardly call them approving people in the 600s the rich people

Sounds like your confusing net worth and credit score. You can have a million in the bank and still have a poor credit history, and conversely you can have awesome credit and no money.
Score: 17 Votes (Like | Disagree)

Top Stories

Early iPhone 12 Tests Show Ceramic Shield is Stronger and More Scratch Resistant Than iPhone 11 Glass

Friday October 23, 2020 1:21 pm PDT by
Apple's new iPhone 12 models are protected by a Ceramic Shield cover glass that has nano-ceramic crystals infused right into the glass to improve durability. According to Apple, Ceramic Shield offers four times better drop protection than the glass used for the iPhone 11 models. YouTube channel MobileReviewsEh conducted some tests on the iPhone 12 using a force meter to compare its performance ...

First Impressions From New iPhone 12 and 12 Pro Owners

Thursday October 22, 2020 4:20 pm PDT by
It's already Friday, October 23, in Australia and New Zealand, which means some customers who purchased an iPhone 12 or 12 Pro already have their new devices in hand. We've seen dozens of reviews of the iPhone 12 and iPhone 12 Pro from media sites, but now first impressions from regular Apple customers are available. Image via MacRumors reader Boardiesboi New iPhone 12 and 12 Pro owners are...

iPhone 12 Pro Allows You to Measure Someone's Height Instantly Using LiDAR Scanner

Saturday October 24, 2020 11:12 am PDT by
iPhone 12 Pro models feature a new LiDAR Scanner for enhanced augmented reality experiences, but the sensor also enables another unique feature: the ability to measure a person's height instantly using the Measure app. You can even measure the seated height of a person in a chair, according to Apple. When the Measure app detects a person in the viewfinder, it automatically measures their...

Apple VP Kaiann Drance Interview Addresses Battery Life, MagSafe, and Power Adapter Concerns

Friday October 23, 2020 3:37 am PDT by
Apple's Vice President of iPhone Marketing, Kaiann Drance, has provided a new interview to Rich DeMuro on the Rich on Tech Podcast, to discuss the iPhone 12 and iPhone 12 Pro. Although much of the interview repeated points from Apple's "Hi, Speed" event, there were a number of interesting tidbits regarding the affect of 5G on battery life, MagSafe concerns, and the lack of a power adapter in...

iPhone 11 Pro Outlasts iPhone 12 and 12 Pro in Extensive Battery Life Test

Friday October 23, 2020 8:36 am PDT by
Arun Maini today shared a new side-by-side iPhone battery life video test on his YouTube channel Mrwhosetheboss, timing how long the new iPhone 12 and iPhone 12 Pro models last on a single charge compared to older models, with equal brightness, settings, battery health, and usage. All of the devices are running iOS 14 without a SIM card inserted. In the test, the iPhone 11 Pro outlasted both ...

Apple Distributing New Heated Display Removal Machine for iPhone 12 Repairs

Thursday October 22, 2020 6:20 pm PDT by
Apple is providing Genius Bars and Apple Authorized Service Providers with a new heated display removal fixture for iPhone 12 and iPhone 12 Pro repairs, according to information obtained by MacRumors from a reliable source. To open iPhone 12 models, technicians will be required to slide the device into a specialized tray, and then place the tray into the high-temperature fixture for two...

Apple Warns MagSafe Charger Can Leave Circular Imprints on Leather Cases

Friday October 23, 2020 3:23 pm PDT by
If you keep your iPhone in a leather case while charging with Apple's new MagSafe Charger, the case might show circular imprints from contact with the accessory, according to a new Apple support document published today. Apple's leather cases for the iPhone 12 and iPhone 12 Pro are not available until November 6, but a MacRumors reader has already shared a photo of a circular imprint on...

MagSafe Charger Teardown Reveals Simple Design With Magnets and Charging Coil Encircling a Small Circuit Board

Friday October 23, 2020 7:50 am PDT by
iFixit has today shared a teardown of Apple's new MagSafe charger for the iPhone 12 and iPhone 12 Pro. An X-ray of the MagSafe charger courtesy of Creative Electron reveals the internal charging coil surrounded by a circular arrangement of magnets within the puck. The only seam that iFixit was able to leverage to open the device was where the white rubber circle meets the metal rim,...

PSA: Non-iPhone 12 Models Charge Super Slowly With MagSafe Charger

Friday October 23, 2020 4:11 pm PDT by
Alongside the iPhone 12 models, Apple introduced a new $39 MagSafe Charger that's meant to work with the magnets in the iPhone 12 Pro models to charge them up at a maximum of 15W. The MagSafe Charger is technically able to be used with older iPhones, but it's not a good idea because the charging with non-iPhone 12 devices is so slow. We did two tests with the iPhone XS Max, draining the...

New Photos Offer Better Look at iPhone 12 Color Options

Tuesday October 20, 2020 2:34 am PDT by
As we wait for the iPhone 12 review embargo to lift later today, more pictures are circulating of the devices in real-world lighting conditions, providing a better look at the different colors available. Leaker DuanRui has shared images on Twitter of the iPhone 12 in white, black, blue, green, and (PRODUCT)RED. The black and white colors are similar to the iPhone 11 colors, but the other...