What does Apple Card pull from?
Which bureau does Apple Card pull from
Goldman Sachs uses TransUnion and other credit bureaus to evaluate your Apple Card application. If your credit score is low (for example, if your FICO9 score is lower than 600),5 Goldman Sachs might not be able to approve your Apple Card application.
Cached
Does Apple Card do a hard pull
If your application is approved, you have 30 days to accept the offer. If you do so, a hard inquiry will be performed on your credit and your credit scores may be affected. Once you accept, you get instant access to the card in Apple Wallet.
Cached
What is the highest credit limit on the Apple Card
It does have credit limits. The limits are determined by the cardholder's credit score, credit age, and income at the time of application. Cardholders have reported credit limits as low as $50 and as high as $15,000. An Apple Card may be shared using Apple Card Family.
Cached
What is the minimum income for Apple Card
There is no minimum income limit you need to have.
What credit score do I need for an Apple Card
660
There are multiple FICO Score versions available for lenders to use. Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.
Does the Apple Card only pull TransUnion
But it is possible that Goldman Sachs (the issuer of the Apple Card) will pull credit reports from other bureaus as well. The website says, “TransUnion and other credit bureaus.” Apple mostly emphasizes TransUnion, though, and specifically says to make sure you don't have a freeze on your TransUnion credit report.
Why is it so hard to get an Apple Card
Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Apple Card. In order to get the Apple Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old.
Can I get an Apple Card with a 580 credit score
Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.
What credit score do you need for an Apple Card
What Credit Score Do You Need for the Apple Card Applicants with scores above 660 are "considered favorable for credit approval," according the Apple Card's website. In other words, those with at least a "good" score have a chance at getting the card.
What is low Apple Card limit
What is the Apple Card's credit limit The lowest limit you might get through your new Apple Card is $250.
Can I get an Amex card with a 650 credit score
Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.
Is Apple Card good for building credit score
The Apple Card builds credit if you pay the bill on time. Card activity is reported to all three consumer credit bureaus, so a good payment history with the Apple Card could help raise your credit score.
Does Apple look at TransUnion or Equifax
Additionally, the Apple Card reports credit activity to the three major credit bureaus: TransUnion, Experian and Equifax. If you use your Apple Card responsibly, it can help you build your credit over time.
How likely will I get approved for Apple Card
Applicants with scores above 660 are "considered favorable for credit approval," according the Apple Card's website. In other words, those with at least a "good" score have a chance at getting the card. Apple Card's issuer, Goldman Sachs, uses the FICO Score 9 score model, which ranges from 300 to 850.
How quickly is Apple Card approved
between 7-10 business days
It can take somewhere between 7-10 business days to get approved for the Apple Credit Card. In some cases, you could get immediately approved. If you do, you'll get an offer with your initial credit limit and APR after applying. If you accept the offer, you can start using your Apple Card with Apple Pay.
Can I get an Apple Card with a 630 credit score
It's possible to get approved for the Apple Card with a credit score under 670, but your chances improve as your credit score increases. And an excellent credit score doesn't guarantee your approval, other factors are considered, such as income and payment history.
How does Apple Card decide credit limit
After Goldman Sachs approves your Apple Card application, they assign your initial credit limit using many of the same factors that go into the approval process, such as your credit score and existing credit. Goldman Sachs also looks at your income and the minimum payments tied to your existing debt.
What credit score do I need for an Apple card
660
There are multiple FICO Score versions available for lenders to use. Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.
What is the easiest Amex card to get approved for
Which Amex card is the easiest to get The easiest Amex cards to get are ones with a lower minimum spending requirement for rewards, as well as a low annual fee or no annual fee. Examples include the Blue Cash Everyday Card from American Express and the American Express Cash Magnet Card.
Does Apple Card do a hard pull for credit limit increase
Whether you get an Apple Card credit limit increase automatically or ask for one on your own, you don't have to worry about a hard credit pull. Goldman Sachs, the card's issuer, only carries out soft pulls for credit limit increase requests.