Apple Card Beginning to Show Up on Equifax Credit Reports

Apple Card is starting to show up on Equifax credit reports, but not yet for all users, according to a Reddit discussion today.

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Apple Card info is now being reported to all three major credit bureaus in the United States, with the other two being Experian and TransUnion. As with any credit card, Apple Card usage can positively or negatively one's credit score based on factors such as payment history, credit utilization, and age of the account.

To apply for an ‌Apple Card‌, 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 Apple Card can also be requested through the Wallet app for use at retail stores that do not accept contactless payments.

Apple Card's key features include color-coded spending summaries in the Wallet app, no fees, and up to three percent cashback on purchases, paid out daily.

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Top Rated Comments

itsmeaustend Avatar
50 months ago
Screw Equifax. Shouldn’t even be in business anymore.
Score: 13 Votes (Like | Disagree)
LeeW Avatar
50 months ago
Having to Macsplain to users of the Apple card that it can affect your credit rating, ok then...
Score: 6 Votes (Like | Disagree)
Xavier Avatar
50 months ago
I've enjoyed my Apple Card so far and building some more Apple Cash. I am looking forward to using the 0% financing option when the new ARM iMac's come out.
Score: 4 Votes (Like | Disagree)
libertysat Avatar
50 months ago
Contactless payments is what drew me to the card/Wallet.

I also like how there is no card number on the physical card so when the restaurant waitperson takes my card out of sight, I know they can not capture my card info...
Score: 1 Votes (Like | Disagree)
MickeyAlexander Avatar
50 months ago
Ha, I had just reached out to Apple Card support last week and asked about this since I noticed it still wasn’t showing up. They said "We report to TransUnion and Experian and potentially other bureaus in the future."

We’re living in the future!
Score: 1 Votes (Like | Disagree)
PhoenixDown Avatar
50 months ago
For those who have this showing up on their Credit Reports -- is showing the balance owed for any financed purchases? I would imagine it would.
Score: 1 Votes (Like | Disagree)