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.

Image by Apparitionog

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, 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.

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