Apple Card Now Appearing on Experian Credit Reports

Apple Card users are reporting the credit card is now showing up on Experian credit file reports. Reporting of Apple Card information was previously limited to credit bureau TransUnion (via Reddit).


Though not officially confirmed by Apple or Goldman Sachs, several Reddit users have noticed the creditor addition to their Experian credit reports. Some users, however, have not seen any credit report changes, so the reporting may still be rolling out.

Like any credit card, Apple Card credit reporting can either positively or negatively impact users' credit scores based on how the card is used.

When the Apple Card card first launched last August, credit data was reported to neither of the three United States credit bureaus, and it wasn't until December that Goldman Sachs began reporting Apple Card information to TransUnion.

Although it appears Apple Card information is now being reported to both TransUnion and Experian, it remains to be seen as to when credit reporting may begin to Equifax.

To apply for an ‌Apple Card‌, simply open the Wallet app on an iPhone running iOS 12.4 or later, tap the plus button in the top-right corner, and follow the on-screen steps. The process takes just a few minutes, and if approved, a digital ‌Apple Card‌ will be ready for purchases immediately. A physical titanium-based Apple Card is also available for use at retail stores that do not accept contactless payments.

Key Apple Card features include color-coded spending summaries in the Wallet app, no fees beyond any applicable interest, and up to three percent cashback on purchases paid out daily.

Top Rated Comments

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4 weeks ago
It’s simply the best credit card there is.
Score: 7 Votes (Like | Disagree)
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4 weeks ago


Do you still have to pull out your phone to use it if you don't also have the Apple Watch?

Are you at all familiar with the subject you’re commenting on?



Score: 7 Votes (Like | Disagree)
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4 weeks ago
Hopefully we are getting closer to card sharing with our spouses.
Score: 4 Votes (Like | Disagree)
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4 weeks ago


No, which is why I ask.
So I'm guessing you can pay with the chip just like a normal card, got it.

It is a “normal card”. The only major functional difference from any other card is that the card number and expiration date and security code aren’t printed on the card. It also is not a contactless card, they expect you to use Apple Pay for contactless, but a lot of other cards have now gained contactless on the card itself.
Score: 4 Votes (Like | Disagree)
Avatar
4 weeks ago


It’s simply the best credit card there is.

Not the best imo, but it’s better than most.

ETA: I’d love to know the reason for Goldman’s delay in reporting; I’d have a lot of trouble believing it could be a technical issue.
Score: 3 Votes (Like | Disagree)
Avatar
4 weeks ago


Do you still have to pull out your phone to use it if you don't also have the Apple Watch?

No, you can transmit the card information telepathically to the card terminal


Are you at all familiar with the subject you’re commenting on?

It's an internet forum, so no, why would he.
Score: 3 Votes (Like | Disagree)

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