Apple today launched a new Apple Card program and website that are designed to help people who have their Apple Card applications declined improve their credit to qualify, reports TechCrunch.
Starting today, declined Apple Card applicants will begin seeing emails that offer the Path to Apple Card program, which is opt-in and can run for four months. It uses the information from the initial Apple Card credit application to provide people with details on why they were declined as well as suggestions on how to improve financial markers that could help them get approved next time.
Examples of suggestions include resolving past due balances, making payments to secured and unsecured debt accounts on time, and lowering credit card and personal loan debt. Apple will send out a once-a-month update on progress toward improvement.
When a customer has completed the program, Apple invites them to reapply for the Apple Card. Apple has also launched a website that has specific details on how the Goldman Sachs approval process works and how people can boost their chances of approval before applying.
As TechCrunch points out, the suggestions that Apple offers are obvious to those with knowledge of how credit works, but there are many people who do not have a strong grasp on the factors that can impact credit worthiness, and Apple's program could help these people.
When it comes to privacy, Apple knows whether a person has chosen to participate in the program, but it does not store personally identifiable information or know details about participants' financial situation. Goldman Sachs does not share the information with third parties for advertising or marketing purposes.
iPadOS 26 allows iPads to function much more like Macs, with a new app windowing system, a swipe-down menu bar at the top of the screen, and more. However, Apple has stopped short of allowing iPads to run macOS, and it has now explained why.
In an interview this week with Swiss tech journalist Rafael Zeier, Apple's software engineering chief Craig Federighi said that iPadOS 26's new Mac-like ...
Thursday June 12, 2025 8:58 am PDT by Tim Hardwick
Apple's iPhone development roadmap runs several years into the future and the company is continually working with suppliers on several successive iPhone models simultaneously, which is why we often get rumored features months ahead of launch. The iPhone 17 series is no different, and we already have a good idea of what to expect from Apple's 2025 smartphone lineup.
If you skipped the iPhone...
Alongside WWDC this week, Logitech announced notable new accessories for the iPad and Apple Vision Pro.
The Logitech Muse is a spatially-tracked stylus developed for use with the Apple Vision Pro. Introduced during the WWDC 2025 keynote address, Muse is intended to support the next generation of spatial computing workflows enabled by visionOS 26. The device incorporates six degrees of...
The iPhone 17 Pro and iPhone 17 Pro Max are three months away, and there are plenty of rumors about the devices.
Below, we recap key changes rumored for the iPhone 17 Pro models as of June 2025:Aluminum frame: iPhone 17 Pro models are rumored to have an aluminum frame, whereas the iPhone 15 Pro and iPhone 16 Pro models have a titanium frame, and the iPhone X through iPhone 14 Pro have a...
Thursday June 12, 2025 4:53 am PDT by Tim Hardwick
With iOS 26, Apple has introduced some major changes to the iPhone experience, headlined by the new Liquid Glass redesign that's available across all compatible devices. However, several of the update's features are exclusive to iPhone 15 Pro and iPhone 16 models, since they rely on Apple Intelligence.
The following features are powered by on-device large language models and machine...
Apple this week announced that iPhone users will soon be able to watch videos right on the CarPlay screen in supported vehicles.
iPhone users will be able to wirelessly stream videos to the CarPlay screen using AirPlay, according to Apple. For safety reasons, video playback will only be available when the vehicle is parked, to prevent distracted driving. The connected iPhone will be able to...
Wednesday June 11, 2025 4:22 pm PDT by Juli Clover
iOS 26 features a whole new design material that Apple calls Liquid Glass, with a focus on transparency that lets the content on your display shine through the controls. If you're not a fan of the look, or are having trouble with readability, there is a step that you can take to make things more opaque without entirely losing out on the new look.
Apple has multiple Accessibility options that ...
Thursday June 12, 2025 10:14 am PDT by Joe Rossignol
Apple today added Mac Studio models with M4 Max and M3 Ultra chips to its online certified refurbished store in the United States, Canada, Japan, Singapore, and many European countries, for the first time since they were released in March.
As usual for refurbished Macs, prices are discounted by approximately 15% compared to the equivalent new models on Apple's online store. Note that Apple's ...
Apple today provided developers with a revised version of the first iOS 26 beta for testing purposes. The update is only available for the iPhone 15 and iPhone 16 models, so if you're running iOS 26 on an iPhone 14 or earlier, you won't see the revised beta.
Registered developers can download the new beta software through the Settings app on each device.
The revised beta addresses an...
I think this should be taught at school. Most people don't have the discipline or even understanding what debt actually means so we constantly see people buying stuff on their CC because they feel its like they 'have' the money only to later see them struggling with payments etc. Its hard to resist the temptation when we have this plastic thing that can buy us anything and we face the consequences after a while. It makes us feel as those two things are not connected and often people don't learn from this and keep doing the destructive behaviour their whole life. Reducing quality of life as the struggle is a burden on their everyday life. I feel that CC was the worst financial invention. I think its safe to say that without it most people would be better off and have a better quality of life. So yeah, this should be taught at school as a 'life skill'. Along with cooking, taxes etc. I think most people would appreciate it :)
" As TechCrunch points out, the suggestions that Apple offers are obvious to those with knowledge of how credit works, but there are many people who do not have a strong grasp on the factors that can impact credit worthiness, and Apple's program could help these people."
Only if people actually change their behavior for good.
I think this should be taught at school. Most people don't have the discipline or even understanding what debt actually means so we constantly see people buying stuff on their CC because they feel its like they 'have' the money only to later see them struggling with payments etc. Its hard to resist the temptation when we have this plastic thing that can buy us anything and we face the consequences after a while. It makes us feel as those two things are not connected and often people don't learn from this and keep doing the destructive behaviour their whole life. Reducing quality of life as the struggle is a burden on their everyday life. I feel that CC was the worst financial invention. I think its safe to say that without it most people would be better off and have a better quality of life. So yeah, this should be taught at school as a 'life skill'. Along with cooking, taxes etc. I think most people would appreciate it :)
I agree. It should also be taught by qualified people and not coaches than need to fill a requirement to be employed. Both my sons took personal finance in high school and neither learned anything related. The class was taught by the football coach and unless you wanted to talk sports my boys said the class was like a study hall. They literally slept or did work from other classes. My wife and I are taking up the slack and teaching them about it.
As a European it's also hard to understand for me that Americans pay for so much stuff with credit cards (in other words: money that you don't have) and just apply for a new one as soon as the old one is maxed out (correct me if I'm wrong about this though). If I want to have something I save up for it and then buy it when I'm actually able to pay for it.
I'm the type of person that credit card companies hate... I pay my bills in full every month while I rack up the cashback for making use of the card.
If I can buy something on the card, it goes on the card... I just don't let it get away from me.
