Apple Launches 'Path to Apple Card' Program to Help Declined Applicants Get Approved

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.

applecardcredithelp1
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.

applecardcredithelp2
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.

Top Rated Comments

Freida Avatar
14 months ago
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 :)
Score: 47 Votes (Like | Disagree)
moabal Avatar
14 months ago
This is pretty cool. All other cards just decline you and bury you under disclosure mail.
Score: 30 Votes (Like | Disagree)
now i see it Avatar
14 months ago
Except that the banks LOVE people to get in debt. The deeper the better. All that interest. All those late fees.
Score: 18 Votes (Like | Disagree)
forerunnerg34 Avatar
14 months ago
" 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.
Score: 12 Votes (Like | Disagree)
Jason2000 Avatar
14 months ago

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.
Score: 6 Votes (Like | Disagree)
DanTheMan827 Avatar
14 months ago

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.
Score: 6 Votes (Like | Disagree)

Top Stories

REC ASA CODE2016 20160601 205816 2745

Elon Musk Reportedly Demanded to Become Apple CEO as Part of Potential Tesla Acquisition [Update: Musk Denies]

Friday July 30, 2021 9:04 am PDT by
Tesla CEO Elon Musk reportedly once demanded that he be made Apple CEO in a brief discussion of a potential acquisition with Apple's current CEO, Tim Cook. The claim comes in a new book titled "Power Play: Tesla, Elon Musk and the Bet of the Century," as reviewed by The Los Angeles Times. According to the book, during a 2016 phone call between Musk and Cook that touched on the possibility of ...
General Apps Messages

Android iMessage Competitor Puts Pressure on Apple

Friday July 30, 2021 3:15 am PDT by
Google and the three major U.S. carriers, including Verizon, AT&T, and T-Mobile, will all support a new communications protocol on Android smartphones starting in 2022, a move that puts pressure on Apple to adopt a new cross-platform messaging standard and may present a challenge to iMessage. Verizon recently announced that it is planning to adopt Messages by Google as its default messaging...
a15 chip

iPhone 13 and Redesigned MacBook Pro Chip Production Hit With Gas Contamination

Friday July 30, 2021 5:44 am PDT by
The most important TSMC factory that manufactures Apple's chips destined for next-generation iPhone and Mac models has been hit by a gas contamination, according to Nikkei Asia. The factory, known as "Fab 18," is TSMC's most advanced chipmaking facility. TSMC is Apple's sole chip supplier, making all of the processors used in every Apple device with a custom silicon chip. Industry...
Apple watch series 5 new case material made of titanium 091019

Titanium Apple Watch Series 6 Models Currently Widely Unavailable

Sunday August 1, 2021 6:21 am PDT by
Models of the Apple Watch Series 6 with titanium cases part of the "Apple Watch Edition" collection is currently widely unavailable for pick-up in several of Apple's retail stores in the United States and is unavailable entirely for delivery in major markets. Noted by Bloomberg's Mark Gurman in the latest edition of his "Power On" newsletter, titanium models of the Apple Watch Series 6,...
iPhone 13 Always On Feature

iPhone 13 to Bring Over a Major Feature From the Apple Watch

Wednesday July 28, 2021 2:21 am PDT by
Apple's upcoming iPhone 13 lineup will feature an always-on display akin to the Apple Watch Series 5 and Series 6, according to recent reports. In his weekly Power On newsletter, Bloomberg journalist Mark Gurman, who often reveals accurate insights into Apple's plans, said that the iPhone 13 may feature an Apple Watch-inspired always-on mode. The Apple Watch Series 5 and Apple Watch...
apple rtp land

Apple Preparing to Occupy 200,000 Square Feet of Temporary Space Ahead of New $1 Billion North Carolina Campus

Thursday July 29, 2021 9:14 am PDT by
Back in April, Apple announced a $430 billion investment over the next five years to create more than 20,000 new jobs as the company continues to expand. One significant piece of that plan is a new engineering and research center in North Carolina where Apple will be investing over $1 billion and hiring at least 3,000 employees. Assemblage of seven properties in Research Triangle Park owned by ...
telegram

Bumper Telegram Update Enables Video Calls With Up to 1,000 Viewers

Saturday July 31, 2021 12:13 am PDT by
Telegram Messenger has received a major update to its video capabilities, including support for video calls with up to 1,000 viewers. Group video calls in Telegram allow up to 30 users to stream video from both their camera and their screen, and now a maximum of 1,000 people can tune into the broadcast. Telegram says it intends to continue increasing this limit "until all humans on Earth...
app store blue banner

Elon Musk: Apple's App Store Fees Are a 'De Facto Global Tax on the Internet'

Friday July 30, 2021 10:04 am PDT by
Tesla CEO Elon Musk took to Twitter today to criticize Apple's App Store fees in a tweet that sides with Epic in the ongoing Epic v. Apple dispute. "Epic is right," wrote Musk, before going on to call Apple's App Store fees a "de facto global tax on the Internet." Musk earlier this week made veiled comments about App Store fees, but today's statement is a much more direct criticism....
FaceID iMac REREREREMIX

Top Stories: Face ID on Future Macs, Elon Musk Criticizes Apple, and More

Saturday July 31, 2021 6:00 am PDT by
This week saw an interesting range of Apple news and rumors, including a blockbuster earnings report, rumors about next year's "iPhone 14" and Face ID coming to Macs, and more. Subscribe to the MacRumors YouTube channel for more videos. Other popular topics included Apple's crackdown on leaks, changes in the latest round of betas for iOS 15, iPadOS 15, and macOS Monterey, and several stories...
duracell battery bitter coating

Apple Says Don't Buy AirTag Replacement Batteries With Bitter Coating

Wednesday July 28, 2021 11:08 am PDT by
Since AirTags were just released earlier this year and are expected to have a year-long battery life, it may be some time yet before AirTag users need a replacement battery, but when the time comes for a refresh, Apple is warning customers not to buy batteries with a bitter coating. AirTags use coin-shaped CR2032 batteries, which happen to be a size that's easy to swallow. Some battery...