A credit check is required when signing up for the Apple Card. Approvals are done by Goldman Sachs, and Goldman Sachs uses Trans. Union for credit checks. If you have a credit freeze applied].
The most frequent answer is; the short answer is no. Apple does not require credit card information to create an Apple ID. Free content can be downloaded without a billing method. There is a trick to creating an Apple ID without a credit card.
When I was researching we ran into the question “Do you need a credit card to get an Apple Card?”.
Credit Check A credit check is required when signing up for the Apple Card. Approvals are done by Goldman Sachs, and Goldman Sachs uses Trans. Union for credit checks. If you have a credit freeze applied, you will need to unfreeze your Trans, and union credit.
Does the Apple Card affect your credit report?
Apple Card is poised to become the Apple Music of credit cards for anyone that has an i. Phone – the service people sign up for by default since it’s built into the software. While Apple Card does bring solid rewards and impressive money management tools, it will also affect your credit report when you apply for it.
Does accepting an Apple Card offer affect your credit score?
The best thing you can do to make sure accepting your your Apple Card offer doesn’t affect your credit score in a substantial way is to have a solid credit score built already.
What credit score do you need for an Apple Card?
FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval. A wider window for approval. FICO scores may be the industry’s standard for credit decisions, but they don’t always tell the whole story of your financial fitness.
You may be wondering “What does a better credit score mean for the Apple Card?”
A better credit score means a higher credit limit, and credit limit also increases over time. Apple in July 2020 added an Apple Card website that allows users to apply for a card, check their balances, view statements, and make Apple Card payments online.
Why can’t I get approved for the Apple Card?
You have a high number of recent applications for credit. Goldman Sachs uses Trans. Union 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), 4 Goldman Sachs might not be able to approve your Apple Card application.
Do I need an Apple ID if I don’t have a credit?
There is a very specific way that you have to create an Apple ID if you do not want to use a credit card. Unfortunately, Apple does not make this very clear at all to new i. OS device or i, and tunes users.