Goldman Sachs uses TransUnion and other credit bureaus to evaluate your Apple Card application. You have a high number of recent applications for credit.If you frequently apply for credit cards or loans You have fully utilized all of your credit card lines in the last three months and have recently opened a significant amount of new credit accounts.Your debt obligations represent a high percentage of your monthly income (for example, your unsecured debt obligations, such as loans that aren't backed by collateral, are 50% or more of your total income).You don't have sufficient disposable income after you pay existing debt obligations.If you're heavily in debt or your income is insufficient to make debt payments

Your property has been recently repossessed.

A judgement was passed against you (for example, as a result of litigation).

A tax lien was placed on your assets (for example, due to a failure to pay sufficient taxes on time).

You have two or more non-medical debt collections that are recently past due.

Your checking account was closed by a bank (for example, due to repeatedly spending more than your available account balance).

You are currently past due or have recently been past due on a debt obligation.

If you're behind on debt obligations 4 or have previously been behind You can also contact Apple Support if you have questions about applying for Apple Card. While these scores can be informative, if they're not the FICO score that's used for your Apple Card application, they may not be as predictive of your approval. Personal finance companies, like Credit Karma, might display various credit scores, like TransUnion VantageScore. If you're combining accounts for Apple Card Family, some of the credit factors mentioned above may be considered for both co-owners when evaluating a combined credit limit for a co-owned Apple Card. If your application was declined, learn what you can do to try and improve your next application. If your application is declined or you reject your offer, your credit score isn't impacted by the soft inquiry associated with your application. If you accept your offer, a hard inquiry is made. If you apply for Apple Card and your application is approved, there's no impact to your credit score until you accept your offer. This article highlights a number of factors that Goldman Sachs uses, in combination, to make credit decisions but doesn't include all of the details, factors, scores or other information used to make those decisions. Goldman Sachs 1 uses your credit score, your credit report (including your current debt obligations), and the income you report on your application when reviewing your Apple Card application.

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