What you need to know
- Some Apple Card owners have started to see them appear on Equifax credit reports.
- This is the first time the credit reports have shown Apple Cards.
- The cards appeared on Experian reports last month.
Some Apple Card owners have noticed that their card has now appeared on their Equifax report, according to a thread in the Apple Card subreddit. This is the first time that Equifax has shown Apple Card and it comes a month after Experian also started reporting on Apple Card usage.
The addition of Equifax now means that all three major credit bureaus now show Apple Card usage. As a result, Apple Card and its use can affect a user's credit rating both positively and negatively – just like any other credit card. And, like other credit cards, Apple Card could potentially prevent you from getting credit in the future if your payment history and level of credit usage are deemed an issue.
That being said, Apple Card still has plenty going for it. The tight integration with Apple Pay, coupled with spending analysis in the Wallet app, makes it a great starter credit card. The lack of fees doesn't hurt in that regard, either!
Oliver Haslam has written about Apple and the wider technology business for more than a decade with bylines on How-To Geek, PC Mag, iDownloadBlog, and many more. He has also been published in print for Macworld, including cover stories. At iMore, Oliver is involved in daily news coverage and, not being short of opinions, has been known to 'explain' those thoughts in more detail, too.
Having grown up using PCs and spending far too much money on graphics card and flashy RAM, Oliver switched to the Mac with a G5 iMac and hasn't looked back. Since then he's seen the growth of the smartphone world, backed by iPhone, and new product categories come and go. Current expertise includes iOS, macOS, streaming services, and pretty much anything that has a battery or plugs into a wall. Oliver also covers mobile gaming for iMore, with Apple Arcade a particular focus. He's been gaming since the Atari 2600 days and still struggles to comprehend the fact he can play console quality titles on his pocket computer.
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