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Yes, of course people are being declined for the Apple Card...

Apple Card keynote
Apple Card keynote (Image credit: Apple)

What you need to know

  • Some people on Reddit claim their Apple Card applications have been declined.
  • Which, of course, is totally normal when you apply for any credit card.

The Apple Card is slowly rolling out to American consumers on a limited basis. Just because you apply, though, doesn't automatically mean you'll be accepted. If that wasn't blatantly obvious to everyone already, we're already seeing it happen.

Reports are already coming in on Reddit from people who claim to have been declined for the Apple Card. Apparitionog, in particular, posted that he had been declined and shared a screencap of what the email looks like.

Again, this isn't out of the ordinary. People get declined for credit cards all the time. It's literally how the credit card industry works. Maybe you already owe too much on another card or are already stretched too thin financially — that's the reason Apparitionog was given. Simply put, not everyone is going to get approved for the Apple Card.

Luckily, according to Apple's support document (opens in new tab), you don't have to worry about your credit score just by applying.

You can see your offered initial credit limit and Annual Percentage Rate (APR) before you accept your offer, and your credit score isn't impacted until after you accept.

Have you applied for an Apple Card yet? If so, let me know how it went for you in the comments!

Update: A previous version of this article erroneously stated the potential impact on credit scores. It's been updated to reflect Apple's documentation (opens in new tab).

7 Comments
  • Is this article based on any source/facts, or is the author just rambling about something that he knows nothing about? Apple’s support website specifically states that the credit score will only be impacted after the user accepts the offer.
  • it's true, technically, but the headline is a little misleading. being denied for a card won't affect your credit score in and of itself, but to apply for the card in the first place, the bank will do a hard pull of your credit report, which will temporarily ding your score by a little bit, even if you don't get approved.
  • Mocha... You applying for the card is what makes them pull your credit so no... It's not misleading at all. Wtf
  • I applied for the Apple Card on 8/6 and was denied and it did not hit my credit score at all so Joeytide is absolutely correct unless you accept the offer it DOES NOT effect your score. Funny thing was a hour later they sent another email for me to apply but not going to tempt my luck!!
  • this article literally holds no value what's so ever to anything in this world, and yes I created this account just to say that bye.
  • Just another product offered by Apple available only to the Rich and Famous. Apple is and always will cater to only the upper class citizens of the world!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
  • This article is false in the aspect that the check for approval of Apple Card does not negatively affect your credit unless you are approved and accept the approval. If you are denied it does not show up on your credit report.