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apple credit card family

Hey, I just got declined for a apple credit card but my sister has one so i was wondering if she put me as a “participant” will I have a higher chance of getting approved for a apple credit card soon in the future??

Posted on Jul 11, 2023 7:58 AM

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Question marked as Top-ranking reply

Posted on Jul 11, 2023 8:27 AM

Hello 3amyaher,


Participants do not build credit so probably not - Apple Card - Family - Apple!


How your Apple Card application is evaluated - Apple Support


You should've gotten a reason as to why you were denied an Apple Card. Make sure to fix whatever was listed. For example, if you have bad credit, work on paying bills on time with no late fees/interest. If your credit history is to short, wait a few months and build credit.


If you get invited, I'd highly recommend enrolling in About Path to Apple Card - Apple Support. It's an invite only program that will help you be approved for the Apple Card at a set date (the program tells you when to apply again). Some have been successful in applying for the Apple Card before the program concludes.


Honestly if you have no credit, your best bet might be getting another credit card and building your credit and applying for an Apple Card later down the road. This is not financial advice and I'm not a financial advisor 😉


I hope this helps!


7 replies
Question marked as Top-ranking reply

Jul 11, 2023 8:27 AM in response to 3amyaher

Hello 3amyaher,


Participants do not build credit so probably not - Apple Card - Family - Apple!


How your Apple Card application is evaluated - Apple Support


You should've gotten a reason as to why you were denied an Apple Card. Make sure to fix whatever was listed. For example, if you have bad credit, work on paying bills on time with no late fees/interest. If your credit history is to short, wait a few months and build credit.


If you get invited, I'd highly recommend enrolling in About Path to Apple Card - Apple Support. It's an invite only program that will help you be approved for the Apple Card at a set date (the program tells you when to apply again). Some have been successful in applying for the Apple Card before the program concludes.


Honestly if you have no credit, your best bet might be getting another credit card and building your credit and applying for an Apple Card later down the road. This is not financial advice and I'm not a financial advisor 😉


I hope this helps!


Jul 11, 2023 4:14 PM in response to pjswiz

yes thank you but I been have credit for around 8 months already, credit score around 720, I have friends who only have credit for like 3 months already getting the apple card, if i become “co owner” or becoming a “authorized user” on my sister apple card is there a high chance to get approved for the apple credit in the future? Thank you once again

Jul 12, 2023 5:36 AM in response to 3amyaher

payment history on your accounts is too low and doesn't have enough information about your payment history

This means your credit history is too low and you'll need to wait a few months before applying. Work on being responsible with credit for the next few months and try again.


I haven’t gotten invited to the path to apple card, How long does it usually take after getting declined since it’s only been a day for me


This is an invite only program. I believe the invite goes out immediately after your application is denied.

apple credit card family

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