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.
We've been focusing on deals on physical products over the past few weeks, but Black Friday is also a great time of year to purchase a streaming membership. Some of the biggest services have great discounts for new and select returning members this week, including Disney+, Hulu, Paramount+, Peacock, and more.
Note: MacRumors is an affiliate partner with some of these vendors. When you click a...
Tuesday November 25, 2025 7:09 am PST by Tim Hardwick
Apple's first foldable iPhone is expected to launch alongside the iPhone 18 Pro models in fall 2026, and it's shaping up to include three standout features that could set it apart from the competition.
The book-style foldable will reportedly feature an industry-first 24-megapixel under-display camera built into the inner display, according to a recent JP Morgan equity research report. That...
We're only a few days away from Black Friday, which will take place on Friday, November 28 in 2025. As always, this will be the best time of the year to shop for great deals, including popular Apple products like AirPods, iPad, Apple Watch, and more. In this article, the majority of the discounts will be found on Amazon.
Note: MacRumors is an affiliate partner with some of these vendors. When...
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iOS 26.2 is currently in beta testing. The upcoming update includes a handful of new features and changes on the iPhone, including a new Liquid Glass slider for the Lock Screen's clock, offline lyrics for Apple Music, and more.
In a recent press release, Apple confirmed that iOS 26.2 will be released to all users in December, but it did not provide a specific release date.
Keep reading...
On this week's episode of The MacRumors Show, we talk through all of the new features and improvements expected to come to next year's iPhone 18 Pro and iPhone 18 Pro Max models.
Subscribe to The MacRumors Show YouTube channel for more videos
Apple's next-generation iPhones are less than ten months away and we already have a good idea about what to expect based on corroborated leaks, rumors,...
Sunday November 23, 2025 8:48 am PST by Joe Rossignol
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In his Power On newsletter today, Bloomberg's Mark Gurman said that iOS 27 will be similar to Mac OS X Snow Leopard, in the sense that Apple is focused on improving "quality and underlying performance" over adding new features.
Gurman said there is one exception to this rule, though, as he expects...
American multinational news company CNN has abruptly pulled its content from Apple News, Semafor reports.
CNN quietly removed its stories from Apple News over the weekend and there is no longer a feed from the network to subscribe to in the app. This effectively ends its distribution agreement with Apple while the two sides negotiate new terms. Discussions are apparently ongoing and CNN's...
Monday November 24, 2025 10:25 am PST by Juli Clover
Apple is making progress on the development of the book-style foldable iPhone expected in 2026, according to a report from Chinese site UDN. The device has reportedly entered the engineering validation stage, and Apple is gearing up for mass production.
Citing supply chain sources, UDN says that Apple has solved "the crease problem" that has plagued most foldable smartphones, and the...
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.
