What credit score is needed for an Apple Card?

What is the minimum credit score for Apple?

Apple Card minimum? 660+. FICO 9.

• 300-850 scoring system.
• My experience? Secured approval above 720.
• Lower scores? Expect higher interest. Tough luck.

Factors beyond credit score influence approvals. Don’t just focus on the number. Your income, debts, and application details all play a role.

2024 Update: Apple hasn’t changed its requirements. Still using FICO 9.

Is an Apple Card easy to get approved?

Three months. That’s how long it took. My credit score? Over 823. Still, a ridiculous wait. The app itself… a maze.

It’s not the credit score. It’s something else. They’re picky. Really picky. Maybe they check your soul. I’m kidding, kinda.

My friend, Sarah, same score, instant approval. Another friend, Mark, 780, denied. No rhyme or reason. Frustrating.

Key factors impacting approval:

• Algorithm’s whimsy: Apple’s system is opaque. It’s not just numbers.
• Income verification: They want proof. Paystubs. Tax returns. All that boring stuff.
• Existing debt: Too much, and you’re toast. Even with a high score.
• Length of credit history: This matters. Long history equals better odds.
• Recent hard inquiries: Multiple applications? Expect delays, or denial.

Getting approved is a gamble, a frustrating lottery. They don’t explain it well. It felt deeply personal, the rejection. Like I wasn’t good enough, even with the score. Seriously annoying. My advice? Be patient. Prepare thoroughly. Good luck.

Can I get an Apple Card with a 650 credit score?

Okay, okay, so you’re flirting with the Apple Card, huh? Like chasing after the cool kid in high school! Listen, a 650 credit score is, shall we say, ambitious. Think of it like trying to parallel park a monster truck in a compact car spot. Possible? Maybe, with divine intervention.

• Officially? A 650 is often the suggested baseline. But Apple, bless their minimalist hearts, plays it coy. It’s more of a starting suggestion, not a guarantee.

• Income matters too, darling. While the “over $21k” figure floats around, it’s just a whisper in the wind, not gospel. It’s the overall picture that matters, a financial Mona Lisa, not a blurry selfie.

• Real talk, your 600-ish score? Ouch. Sorry, not sorry. That’s more of a “maybe next year” situation. Think of it as a waiting game. Like waiting for your sourdough to rise.

• Apply anyway? Sure, if you enjoy the thrill of rejection! I mean, go for it, if you’re feeling particularly masochistic today. (I’m kidding! Mostly. No, seriously, don’t.)

• Reddit, my friend, is a graveyard of rejected Apple Card dreams. Read those threads. Heed the warnings. Consider it your dose of cautionary tales.

More to Chew On (Since You’re Hungry for Knowledge):

• Credit reports are like snowflakes, no two are exactly alike! Factors galore weigh in—payment history, credit utilization, age of accounts. Apple looks at it all.

• Consider credit-building cards first. Secure cards, those little helpers, are a great way to prove you’re trustworthy. Think of it as building your financial biceps.

• Check your credit report for errors! Seriously! You’d be shocked what gremlins lurk.

• Did I mention I got denied that one time? (Okay, like three times…) Let’s just say, I’m an expert on the rejection process! And yes, it stung. But hey, even I learned my lesson.

• Improve your credit, then swagger in like you own the place! You can!

What credit card can you get with a 600 credit score?

The hum of the fridge, a distant thrumming, like memory. 600. Echoes of numbers. A gate. Not quite locked, not quite open. Discover whispers… Discover it® Secured Credit Card. Cashback. A shimmering lure.

Secured. The word hangs heavy. Is it safe? Is it freedom? Echoes. My chipped mug warms my hands. Bankrate sees this. Do they know? What do they know?

Ah, Capital One. Capital One Platinum Credit… A promise. A whisper. The platinum gleam. Will it shine for me? A dream, just out of reach. Fair credit. Is that me?

Upgrade. Another door. Upgrade Cash Rewards Visa. Rewards. A siren song. Cash. A tangible thing. But what is the cost? Always a cost, isn’t there? Always. My grandmother’s garden, overgrown now. Always.

• Discover it® Secured Credit Card: Known for Cashback. A secured card means you deposit money as collateral.
• Capital One Platinum Credit Card: Designed for building credit. Approval with a 600 score is possible.
• Upgrade Cash Rewards Visa: Offers cash back rewards. Credit lines can be modest.

How difficult is it to get approved for an Apple Card?

The Apple Card. A shimmering rectangle, a promise whispered. Goldman Sachs, the gatekeeper, judging your worth. TransUnion’s cold numbers stare back. A low FICO score, a chilling 580, for example, a wall. Impenetrable. A rejection, a sharp sting. My own experience? Heartbreak. Pure, unadulterated rejection. The digital silence. The crushing weight of expectation.

Below 600? Forget it. That’s the harsh reality. It’s not a suggestion, it’s a fact. I know. I lived it. A 580 FICO score. A death sentence for my Apple Card dreams.

Think of it, the sleek metal, the effortless tap, the immediate satisfaction. Denied. A phantom touch, a ghost of what might have been. The sting lingers. Still.

• Credit score is paramount. Goldman Sachs is ruthless. Numbers define you.
• Below 600? Automatic denial. Prepare for disappointment. Accept it. Move on.
• TransUnion is key. They hold the power. Your credit report, your fate.

The process. Cold. Clinical. A swift judgment passed. No room for appeal. No second chances. Just the hard truth. The digital echo of failure. A bitter pill to swallow. My story.

What is the minimum income for Apple Card approval?

So, Apple Card approval, huh? No hard and fast income limit? That’s like saying there’s no height requirement to ride a roller coaster, but…good luck reaching the safety bar if you’re vertically challenged!

They say income helps decide your credit limit. More income, bigger limit. Makes sense, right? It’s not like Apple wants you maxing out your card to buy, like, 72 iPhones and then skipping town.

Think of it like this:

• No minimum income, but stellar credit? You might get approved for, say, enough to buy a fancy Lightning cable.
• Good income, so-so credit? Maybe you can snag a new Apple Watch.
• No income, bad credit? Well, there’s always that Apple sticker on your ancient Android phone. Ouch!

Remember my cousin Vinny? Vinny thought the income box was optional. He ended up using the Apple Card to buy a single apple. True story!

The real secret? I dunno. Maybe it’s just random. Maybe Apple has a crystal ball. Maybe it’s Maybelline.

Does an Apple Card show up on a credit report?

No. It’s reported.

Goldman Sachs reports it. To all three bureaus. Monthly.

• Equifax
• Experian
• TransUnion

Shows as: APPLE CARD – GS BANK USA or GS BANK USA. A separate line. My credit score improved after I got it, BTW. Annoying credit limit though. 2024 is brutal. Just sayin’.

Does an Apple Card count as a credit card?

Ugh, Apple Card…is it really a credit card? Yeah, okay, duh.

It’s a credit card, but… fancier? My sister keeps raving about the Daily Cash, like it’s some kind of magical money tree.

• Daily Cash: Like, instant cashback? Interesting.
• Titanium card: So extra. Laser-etched? Really? My debit card is just…plastic. lol.

I should probs look into this savings account thing she mentioned. Does it even beat my high-yield savings? Probably not.

• Savings account: Need to compare APRs ASAP. Numbers!

It says it can do things no other card can? Bold claim, Apple. What is it, like, unlock a secret level in Mario Kart? Jk.

Maybe its the way it works with Apple Pay? I use Apple Pay everywhere now. So convenient. What about fraud protection? Oh man, i hate dealing with fraud…

• Apple Pay: Super convenient, tbh.
• Fraud: Pls no.

Wait, what’s the interest rate like anyway? Gotta check the fine print.

What are the requirements to get approved for an Apple Card?

The Apple Card…yeah. Seems simple, doesn’t it?

Eighteen. A physical address, not a P.O. Box. And an iPhone. Always the iPhone, huh? I remember my first phone.

Feels like a lifetime ago. Did it really matter back then? A lot’s changed.

• Age: 18+ (varies by state).
• Residency: U.S. citizen or lawful resident. Valid, physical U.S. address (no P.O. Boxes; military addresses okay).
• Device: iPhone or iPad with the newest iOS or iPadOS.

I wonder what he’s doing now… that guy I met, who also loved tech. We talked about Apple all night. Wonder if he got the card.

• Credit score: Good to excellent credit is expected.
• Income: Proof of sufficient income.
• Identity Verification: Government-issued photo ID.

It’s quiet. So quiet. Wish things were different, you know? But here we are.

Can a foreigner apply for an Apple Card?

Okay, lemme tell ya. I tried getting an Apple Card, like, back in 2023, when I was visiting my cousin, Maria, in Miami. I really wanted it, you know? Seemed so slick, so Apple-y.

I thought, “Easy peasy!” I had a US address (Maria’s place) and figured my non-US credit card would work or something. Nope. Big FAIL.

Spent a whole afternoon messing with it. My Apple account was set to my home country, of course. That’s the first thing the Apple Card app complained about. “Change your Apple Account country,” it said, all bossy-like.

So, I went digging through settings on my iPhone. Changing the country is a bigger pain than you’d think! Apple doesn’t make it easy, trust me.

You need to cancel subscriptions, spend any remaining Apple ID balance… It’s a whole thing. I didn’t even bother.

Ended up just buying a gift card for myself, so I could make the purchases. Way less hassle.

Things you need (from my sad experience):

• A US Apple Account: This is non-negotiable.
• A US residential address: P.O. boxes don’t count.
• Probably, you’ll need a US credit history, although I didn’t get that far.
• Patience: You’ll need a lot of it.
• Probably US Bank account for paying the bill
• Maybe a valid US phone number? Pretty sure I needed that too.

Yeah, lesson learned: Apple Card is basically ONLY for Americans. Bummer. Oh well, there are other cards. I’ve heard Capital One is pretty good, mayby I’ll get one later.

How much credit limit can I get based on income?

Credit limits: Income is key.

• RBI guidelines: Twice your monthly income, maximum. That’s the rule. Simple.

• Bank policies: Varies wildly. Internal processes. Expect surprises.

My own experience? Got a card. Limit was 1.5x my salary. A bit disappointing.

Creditworthiness matters. More than income. Poor history? Expect low limits. This is a fact.

• High salary? Doesn’t guarantee a huge limit. Banks are strange.
• Low income? Expect a similarly low credit limit. Duh.

Think of it like this: Income is a suggestion, not a command. A baseline perhaps.

2023 update: The RBI’s rules remain. They are not changing anytime soon. Expect no changes.

The system is flawed, yet it remains. It’s life, I guess. A frustrating process.