*WATCH ME APPLY* Apple Card!! (Apple Credit Card Application)

The Apple Card is GREAT in a lot of ways (or should I say Goldman Sachs Apple Credit Card)! Click "Show More" to see Ad Disclosure.
It’s one of the best credit cards for beginners after building a foundation with a secured credit card. It’s one of the best cash back credit cards with no annual fee for those who like using a mobile wallet (i.e. Apple Pay) to buy things with their phone. And it’s also a really cool metal credit card with an impressive drop test and sleek design :-)
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Before going further, IT’S TRUE, there are better credit cards out there if your #1 focus is to get the most cash back on your purchases. The best credit card for YOU will be based on your spending patterns and life situation, but a few of the better options might include: Wells Fargo Propel American Express Card, Citi Double Cash credit card, Discover it Cash Back Credit Card, Chase Freedom Flex card, Chase Freedom Unlimited card, Capital One Savor card, US Bank Altitude Go card, US Bank Cash Plus credit card, Amex Everyday card, Amex Blue Cash Everyday card, Bank of America Cash Rewards card, Fidelity credit card, PayPal credit card, Walmart credit card, Target credit card / Target Redcard, and the list goes on from there :-)
While this video is not a detailed review of the Apple credit card (that will come after I get the card in the mail), I’ll still share some of the reasons why I got it...
FIRST, it’s a very INNOVATIVE credit card. In fact, I believe it represents the future of credit cards, being that it’s mobile-first and digitally oriented. Because it’s a big part of Apple’s ecosystem, it’s naturally a very simple product (and that’s rare in today’s credit card world!). The Apple Card application process was VERY SIMPLE, and getting the card was even simpler! Rather than waiting 7-10 business days to receive the credit card by mail, it can be added INSTANTLY to Apple’s ‘Wallet’ app for immediate use! Then, as you earn Daily Cash back, it’s available for use shortly thereafter instead of waiting for an entire billing cycle to end. Lastly, the card management tools have been greatly simplified compared to other cards on the market.
SECOND, it’s very EMPOWERING to consumers. It offers great financial clarity and transparency. There are NO FEES (i.e. no annual fees, no over-the-limit fees, no foreign transaction fees, no late fees!). That’s really impressive! The visual dashboards are also great for helping you track your spending habits to see where your money is going. Added tips to help you avoid interest payments is a really unique feature, too (especially considering most banks want you to pay interest!).
THIRD, I wanted to get first-hand experience using the Apple Card. That way when it comes time for a full Apple Card review, I’ll be able to speak from real experience.
(And FOURTH, be it a smaller reason, is the fact that’s it’s a really cool metal credit card with no annual fee. An upcoming Apple Card unboxing and drop test will for sure have to happen) :D
(And FIFTH, this is Goldman Sachs major entry into the consumer credit card market, and I think it’s rather cool to be a part of that) ;-)
All that said, I really like how the Apple Card is putting more power and control back into consumers’ hands. A financial product that helps people make smarter decisions, build smarter money habits, and contribute to a better understanding of their finances is a good thing.
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#applecard #creditcards #cashback

[@MarkReese]

Apple Card *unboxing + full review* to come next! 🙌

[@JessieOpportunityCostInvesting]

+ the drop!

[@MarkReese]

U know it 😎👊

[@AnomolousGrandeur]

So how the heck did I not get approved for the Apple Card and I just got approved for an American Express green card 2500 bucks!? Lmfao

[@MarkReese]

@@AnomolousGrandeur - I’ve seen data points all over the place for the Apple Card 😄✌️ Some people get approved as their 1st card ever, others get denied with an 800 score ... it’s crazy! Congrats on the Green Card approval! 💯

[@Juanalcan1999]

When’s the unboxing?

[@GraphyteTV]

I got the Apple Card in August of last year before I had a “credit card hobby.” I literally only got it because I thought it was cool. I don’t carry the physical card but I use it for Apple Pay with %2 back. I also have all of my Apps And subscriptions come straight through it for 3% back. I know it’s not the best card, but for someone like me Who is newer in the credit card game, that 2% cashback almost anywhere comes in handy. Ps the “watch me apply” Videos are some of my favorites...Because I am gardening right now and watching other people apply gives me the Thrill Im missing out on LMFAO

[@MarkReese]

Great that you use the Apple Card to earn 2-3% and ignore that 1%. HAHA I'm ""gardening"" too (yes, that's quad quotes) 😆🤙 I realized all I need to do is get to 4/24 for my next Chase card (initially I wanted 0/24 but that was short lived haha). Also, as long as we get 2 cards per year we'll always be under 5/24. OR just get to 4/24, get 1 Chase card, then go CRAY with other issuers lmao.

[@callmeNeno]

Mark Reese that sounds like a great strategy 2 cards per year every 6 months. I am currently in the garden until December of 2021; waiting for my age of credit to mature as well. Currently I have 4 cards in my wallet: Amex Blue Cash Preferred, Apple Card, Discover It and PayPal MasterCard.

[@MarkReese]

@@callmeNeno - Awesome man! Gardening is the hardest part of the entire game 😅 Yeah getting 1 card every 6 mo. has been on my mind for awhile; not a bad strategy given how often Chase releases great welcome offers. SOLID setup so far! That PayPal Mastercard + Discover it go well together. Which card do you want most next?

[@callmeNeno]

@Mark Reese I'm hoping to get a "for you offer" in my Chase checking account, so i can by pass that 5/24 rule. I need a travel card for the Q1 of 2022, so hopefully this epidemic is in the past. I always wanted the Chase Preferred card or get Amex Gold cards and one of the chase freedom cards and definitely Navy Federal Visa Flagship card for their high limits.

[@MarkReese]

@@callmeNeno - I feel ya! I got my Ink Business Unlimited card via 'For You' offer in 2019. Keep your eyes peeled! 👀

[@joeykim373]

Im about to switch from galaxy to iPhone after this video... always feeling left out man! Lol

[@MarkReese]

Haha join us on the other side of life 😎 👊

[@joeykim373]

@@MarkReese they say grass is always greener on the other side!

[@ImStillStealingSteel]

CreditKim - Yes, drop that droid and get on that Apple life

[@GalaxyNexus1]

Nah don’t do it! I’m rocking the Pixel but also have the Apple Card.

[@joeykim373]

@@GalaxyNexus1 haha just got a motorola... rip

[@thatONElatinoContent]

broke my apple watch and will apply for credit to get another one haha

[@MarkReese]

One Apple product often leads to another 😁👍

[@rmaria2254]

Thank you so much for making the video I applied and was approved for 2500. They did have to verify my identification which simply included me providing a copy of my drivers license front and back

[@MarkReese]

You’re welcome - glad it was helpful to you! Huge congrats on your approval for the Apple Card! 🙌💳

[@budgetnthangs]

Thanks for the info. I just applied and was approved for $5,000 👏🏽👏🏽

[@MarkReese]

Tanya O - CONGRATS ON YOUR APPROVAL!! 💫🥇💫 Are you already in the the habit of using Apple Pay? 😃

[@budgetnthangs]

Mark Reese // Credit & Finance I'm learning with the help of KZbin 😀👍🏽.

[@MarkReese]

Tanya O - Fantastic! Keep building that habit with your new Apple Card so you get that 2% Daily Cash (or 3% with select partner merchants) 😃🙌 Happy for you!

[@PeterMouanoutoua]

I finally got approved last week after 8 months of applying. 😅 I was so happy when I got my Apple Card in the mail. Loved it!

[@MarkReese]

CONGRATS! The persistence paid off! 🎉😁💳

[@adamdiazzz]

that’s a lot of hard inquiries

[@MarkReese]

@@adamdiazzz - Fortunately Apple / Goldman Sachs won't do a hard inquiry if you decide to reject the offer during the application process 😃👍

[@moustaphacisse7778]

@@MarkReese is this true ?

[@MarkReese]

@@moustaphacisse7778 - Yep! If you don't accept the offer, your credit won't be pulled.

[@johnsantiago4810]

Your channel is really good. You have humor too. This channel deserves more subscribers.

[@MarkReese]

Thanks John! 🥇

[@luigimedina1493]

Not a card im interested in, but still watched the video lol

[@MarkReese]

I appreciate the support! 😄👍

[@garretteaglin8301]

Love the video! I have the Apple Card as well, and love the daily cash back & no fees!

[@MarkReese]

Glad you enjoyed the video Garrett! 💯 Enjoy the card - I like it too 😃👍

[@garretteaglin8301]

Mark Reese can’t believe you have under 500 subs... these videos are much better than Graham’s... I’m a new subscriber and very glad I found your channel!

[@MarkReese]

Garrett Eaglin - I really appreciate your support 😄🙌 This channel is ~ 2 months old, so a lot of great growth + valuable content to come 🚀

[@Xtremeproducts]

That limit though...$12,500 niiiiiiiiiiiceeeeee.

[@MarkReese]

Thanks! I was happy with that one 💯

[@Xtremeproducts]

@@MarkReese my dream/goal is to reach at least $10,000

[@macejjn3554]

Ugh I don’t know why they won’t approve me. I make 78k a year and have good credit. Maybe because I only have 16 months of credit but I know people who have less with the card!!

[@MarkReese]

No reason was given for the denial?

[@macejjn3554]

@@MarkReese they told me my credit usage was too high compared to my limit, but I only used less than 10% of my limit so I don’t know

[@MarkReese]

@@macejjn3554 - Strange. I'd try reporting $0 balances for 3 months, then apply again.

[@briannavas5546]

I just got approved for this card! This video motivated me to apply. This is my third credit card in a 10 month span I love your content! My next objective will be a chase freedom card (hopefully that works out in about 5 months from now lol) 🤝

[@MarkReese]

Congrats Brian! 3 cards in the past 10 months is great, and the Apple Card is a solid addition 😃👍 Glad to hear the video provided the motivation to make it happen! 🥇

[@Faroesx]

I just got approved for the freedom flex and the citi double cash this month. Good luck on getting your freedom card!!

[@Choteguapote502]

One year after my white card opening, my credit limit is 5,000. I like my health card. My friend, I like your videos

[@MarkReese]

Thanks Edvin! 🙌 What was your limit before doing a credit limit increase?

[@Choteguapote502]

@@MarkReese We started with a limit of 1000😎💴💴🍽📲

[@MarkReese]

WOW that’s fantastic! Congrats on that increase! That’ll work wonders for your credit score as well. Enjoy the card 💯💳💥

[@Choteguapote502]

@@MarkReese Thank you friend continues to improve more while I'm here I'll ask you. We're waiting in Biden jaja🤝😎

[@elpanchitoruso]

hey mate how are u.. nice content thanks for inspiring us

[@MarkReese]

Thanks man!

[@SaulOrtega-be3ko]

Interesting video. Respect what you do:) Umm what credit bureau did it pull from?

[@MarkReese]

Thanks Saul! Goldman Sachs should use TransUnion for an Apple Card application 👍

[@tiffaniacarter2217]

Hi Mark! I was hesitant at first about this card due to the issuing bank but after this video I don’t think it’s that big of a deal. I’m going to be adding this to my list of interested cards. Do you know if the card partners (Panera, EXXON, etc) change quarterly or they have just been adding? Some of those places I rarely use BUT I do use Apple Pay a lot.

[@MarkReese]

Awesome - good luck on your application when the time is right! 😃 The partners have been holding steady for quite some time; occasionally they may change, but they do not rotate often.

[@tiffaniacarter2217]

@@MarkReese thank you!!! I’m really excited about this card 😃

[@MarkReese]

@@tiffaniacarter2217 - I can see why! 2% Daily Cash everywhere Apple Pay can be used is great 😁💵

[@Rodwill18]

Any luck?

[@brysonmatthews3363]

How do I get it every time I apply I get denied and it tells me I’m not old enough I’m 20 years old it’s funny I have friends my age who have the Apple Card I call that age discrimination

[@MarkReese]

Age is the only reason they give you for the denial? Which state do you live in?

[@pimpstick9988]

It wouldn’t allow me to apply it denied me even tho I made a certain amount a year more than average rate what could be the issue

[@MarkReese]

Not sure. Did you receive the "Path to Apple Card" offer? Here's a link about it: support.apple.com/en-us/HT211030

[@GalaxyNexus1]

Congrats on your approval! I got mine about a month after you.

[@MarkReese]

Awesome! I love it simply for the app integration; it’s fun to use 😁 What was your reason for getting it?

[@GalaxyNexus1]

@@MarkReese I got it for it's financing option as I plan to purchase a new MacBook in the near future and other products down the road. And I agree the app integration is great. I actually don't use an iPhone, but manage mine in ipad, and while the app on ipad is a little less detailed than on iphone, it still is pretty nice. Now I'm focused on getting my limit increased and APR reduced!

[@MarkReese]

@@GalaxyNexus1 - Love it! 💥 Give it ~ 6 mo. and apply for a CLI if it’s not automatically issued 😎👌 My next big purchase is also going to be a new MacBook! There’s a rumored event for 11/17; we’ll see if it happens. I’ve decided I want a 16” MacBook Pro with a higher contrast ratio (easier to see screen working outdoors on a sunny day) and ARM architecture so I can use apps instead of web browser for a lot of tasks. Seems like it’ll be another year before the 16” models get OLED screens and an ARM platform 😆 #GottaWait

[@GalaxyNexus1]

@@MarkReese yes I’m looking forward to the event and the new Arm chip too! I’ve been holding off and waiting since June (which at that point seemed like it would be impossible)! I’ve been actually hoping for a 13”or even 14” myself, for portability/space saving reasons, but my needs have actually changed over the past few months, so the 16” may actually be an option. I need to go look at a 16” in store again and make sure it’s not too big. I’m so glad I was able to get the card before it launches!

[@MarkReese]

@@GalaxyNexus1 - Right on 💥 Yeah I avoided the 16” for years because I thought it was too big. But now that I’m doing photo & video editing, I’d appreciate the extra viewable area. Let’s see what Apple ends up doing 🍏 Enjoy the card in the meantime!

[@Xtremeproducts]

"and that is fancy" in my Mark's voice. If i dont get no more credit card the rest of my life, this card is a MUST have.

[@MarkReese]

It's a darn good card whenever its used with Apple Pay 💥

[@Xtremeproducts]

@@MarkReese I think I'm infatuated with this card. Lol

[@MarkReese]

@@Xtremeproducts - Lol so it's controlling you 😂

[@Xtremeproducts]

@@MarkReese don't be surprised when you wake up tomorrow and you see a comment that I escaped from the garden and run wild on the csp and apple cc

[@Xtremeproducts]

@@MarkReese Guess what Mark?

[@ImStillStealingSteel]

Welcome to The Apple Card Family

[@MarkReese]

Thanks man! Glad to be a part of it 💯👊

[@Basszillajay]

Thank you for this tutorial!

[@MarkReese]

You got it man 😎👊

[@SanDiegoPicker]

Yeeeeeee buddy, best card in the game. Best looking as well!

[@MarkReese]

You made me jealous for too many months man - it was time I leveled up 😎👊

[@Tigg333]

Mark what credit score would you recommend to apply for this card? Also, did you have to do any credit freezes to apply for the Apple Card?

[@MarkReese]

The score requirements are not published. I'd personally want to have a 680+ prior to applying, but that's just me. Here's a link about how Apple Card applications are evaluated: support.apple.com/en-us/HT209218 Note the section called, "Conditions that might cause your application to be declined..." It mentions the score should be higher than 600.

[@SamirAhmed-mc5yk]

thanks for the video J

[@MarkReese]

Of course! 😃🎬

[@chiefexecutive]

Just got this card, high limit ! It’ll be nice to 0 percent apple products now

[@MarkReese]

Congrats! 🎉

[@fender7083]

Just wanted to say I love your videos. Actually got this card on launch. Hope to watch you subs grow more!

[@MarkReese]

Hugely appreciated Kelvin! 💯 Great that you got the card right after its launch. Do you find you can use it w/ Apple Pay at a lot of places near you?

[@yungbless9383]

Is this a hard pull? How do I check the credit limit before accepting

[@MarkReese]

It should be a soft pull up til seeing the offer. If you accept, then there should be a hard pull. You may be able to see the limit on the offer screen, which is shown after you submit your application but before accepting.

[@yungbless9383]

@@MarkReese you got a new sub, thank you!

[@MarkReese]

@@yungbless9383 - You're welcome & thank you for subscribing! 🥇

[@jesuscortez5290]

I want to apply, but where theoretically should you have your credit at before even applying? 🙂

[@MarkReese]

Hi Jesus - while some people may be able to get an approval for the Apple Card as their 1st card, that's likely rare. It's recommended to have some credit built up prior to applying for the Apple Card.

[@floridaproductions]

Great card for the powder, if you know what I mean

[@MarkReese]

😂✌

[@DdotPhresh33]

Hey I noticed that you only had to enter the last 4 of your social, do they ever ask you for the full, did they do a hard or soft inquiry?

[@MarkReese]

Hey there! It's a soft pull at first. Then, if you accept the offer, Goldman Sachs will perform a hard pull. If you do not accept the offer, it remains a soft pull 😃👍

[@_httpantwon]

Your limit is so high wtf. I only got $1,500. Must be the income

[@MarkReese]

Increase income + use the Apple Card each month + request CLI = great chance of receiving a bigger limit.

[@_httpantwon]

@@MarkReese I'm a full-time undergraduate. I'm not making anywhere near 6 figures anytime soon.

[@MarkReese]

@@_httpantwon - All good. Just keep moving forward.

[@ChrisDotBih]

Just got approved for one!!!!

[@MarkReese]

BOOM! 💥 Congrats! 😃👊

[@abodhLTD]

Will it be a hard inquiry if I get rejected? P.S. I do not have an iPhone. I was thinking of applying for this card and then purchase an iPhone and a mac with the apple card (financing of course). Does this work?

[@MarkReese]

If you reject the offer, there will not be a hard pull 😃👍 You will need an iPhone to apply. However, if you want to get an iPhone _after_ getting the card, it looks like you can purchase Apple products online and choose the “Apple Card‌ Monthly Installments’ option. That might allow you to make it work ✌️

[@ksubiii5397]

What does your credit score has to be to apply

[@MarkReese]

It seems like it must be above 600 👍 Here's what Goldman Sachs says, _"Goldman Sachs uses TransUnion 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."_ Link: support.apple.com/en-us/HT209218

[@mamatemari6061]

@@MarkReese I’m way past 600 I’m at 650

[@deepsilencersmd7126]

Lol we both got the same SCL , good content man loving your videos so far! #subbed

[@MarkReese]

Awesome - welcome to the $12.5K Club! Appreciate the sub too 😃💯

[@bigjoegp1]

how do you mirror your iPhone screen to your mac?

[@MarkReese]

(1) Have iPhone plugged in via cable (2) Open QuickTime Player (3) File > New Movie Recording, select iPhone as camera source (4) File > New Screen Recording to record computer screen + iPhone screen 👍

[@retajshahin2646]

I applied today and I didn’t got approved !! When can I do it again?

[@MarkReese]

Hi Retaj! Bummer about the denial 😕 What's your current credit score, and how long is your credit history?

[@denny-michael]

Just curious, why do you have so many credit cards? I have one lol

[@MarkReese]

Here's a link to a video explaining the reasons: kzbin.info/www/bejne/a4axaqh_g7JknJY

[@jamesmoore8873]

I didn’t get approved for the Apple Card

[@MarkReese]

Bummer - thanks for sharing though. Did they give you a reason for the denial? 🤔

[@jamesmoore8873]

No

[@korlizard]

Question, I was born here in the US so can I apply one?? I just want to be really sure

[@MarkReese]

Hey there! As long as you meet these requirements you should be good to apply 😃💳 (a) Be 18 years or older, depending on where you live. (b) Be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address. (c) If you apply on a compatible device that you own, make sure it has the latest version of iOS, watchOS, or macOS. (d) Be signed in on your device with your Apple ID and use two-factor authentication. (e) If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. (f) You might need to verify your identity with a Driver License or State-issued photo ID.

[@mamatemari6061]

Getting that card this summer

[@MarkReese]

Awesome!

[@mamatemari6061]

@@MarkReese make it next week

[@juanperez3989]

Does it matter is if u apply in the night or day lol

[@MarkReese]

No.

[@profitgang8203]

What total annual income should I put?

[@MarkReese]

The amount that you make per year.

[@agarciaagarcia3598]

can you use an ipad with this car

[@MarkReese]

Sure. Here's a link to Apple's page with info about that: support.apple.com/guide/ipad/use-apple-card-ipadca55f179/ipados

[@william8543]

Hey any recommendations I got denied for not having credit history I’ve had my card for 2 months ... 😂 I think this is the reason because my credit is 700+ and idk for how many months do I need to wait for my credit history to build so I can apply again and get approved.

[@MarkReese]

Hey Willy! Bummer about the denial. Once you get your first card or two, I recommend building until you have a full year of credit history before getting more cards. Not a rule...just a recommendation. If you want to try again before that, you could give it a go at 6 months.

[@william8543]

@@MarkReese o ok thank you 🙏

[@wollinger]

15% Apr... Ouch.

[@MarkReese]

For those carrying a balance, yep. If you pay in full, APR doesn't matter.

[@khanscombe619]

Was it a soft pulll untill you accept offer?

[@MarkReese]

Yep 👍

[@jamesmoore8873]

Is the path to Apple Card a good program

[@MarkReese]

Yes, it can help people focus on the right things to improve their approval odds & overall financial health 👍

[@chrisfiske]

What’s your credit score need to be to even get approved for a card like this..?

[@MarkReese]

Hey Chris! The min. score requirement isn't published. Here's what Apple says: "Goldman Sachs uses TransUnion 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." Personally I'd feel good about applying with a 670+ and 1 year of credit history 😃👍

[@kingme0072]

I was approved for a low limit how do I get it higher

[@MarkReese]

Congrats on the approval! 🎉 to put yourself in the best situation for a credit limit increase, I would use the card responsibly for 6 months, then request a credit limit increase from Goldman Sachs. You can do so by opening the wallet app, tapping the 3-dot-icon in the top right, and then chatting with a representative 👍

[@Aeolus2001]

I cant apply ! When i tap the + sign it says enter credit information, it doesn’t give me the option to add an apple card

[@MarkReese]

Two things to check: (1) Which iPhone version do you have? (2) Do you have the latest version of iOS installed?

[@B-damz]

Try contacting stinghack_0 on ig he resolved same issues for me sometimes last week.

[@Bestvidzaround]

What credit breau they pull from ?

[@MarkReese]

Goldman Sachs should pull TransUnion for the Apple Card 👍

[@mamatemari6061]

I applied too many times but Transunion already disputed an old account from May 11, 2022

[@MarkReese]

Denied for the card?

[@mamatemari6061]

@@MarkReese yup and they couldn’t verify my account when I applied again

[@MarkReese]

@@mamatemari6061 - Bummer 😕 What did you mean by TransUnion disputing an old account?

[@mamatemari6061]

@@MarkReese skip that Apple couldn’t verify my identity

[@MarkReese]

@@mamatemari6061 - Here's a link to some helpful info from Apple: support.apple.com/en-us/HT209218#declinedidverification Scroll down to the section called, "If your application is declined because your identification information couldn't be verified"

[@Roerco]

cash advance fee?

[@MarkReese]

You cannot use the Apple Card for cash advances.

[@ericflores9139]

Do you have to pay to get the physical one

[@MarkReese]

Nope - the physical card comes to you free of charge 😃💳

[@tangoingthekitchen]

I bought the bullet and applied for the card they denied because I suppose have a credit score under 600, but my actual score is 649, so that is weird

[@MarkReese]

Bummer. To clarify, they said your score was under 600?

[@tangoingthekitchen]

@@MarkReese yes, but in Credit Karma that I check every months . My credit score is 649

[@MarkReese]

@@tangoingthekitchen - Hmm well different credit scoring models exist. Credit Karma uses the VantageScore 3.0 model, whereas Goldman Sachs likely used your true FICO Score. Different models give different factors of your score different weights. Sign up for a free Experian account & check your FICO Score there.

[@adamdiazzz]

LMFAO I APPLIED JUST TO TRY AND I GOT ACCEPTED LMFAO

[@MarkReese]

HAHA awesome 😁👊🏆 Congrats on getting approved!

[@Defense-of-Islam-and-Pakistan]

Can we apply from out of america?

[@MarkReese]

Unfortunately no. Here's a link to the requirements: support.apple.com/en-us/HT209218

[@mijra7520]

i am confused . Do I NEED the card to do it or no? What if my money runs out fast do I have to pay to get more ? Or ... pls respond I need help

[@MarkReese]

Hi there! What do you mean by, "Do I need the card to do it?" 😃

[@mijra7520]

@@MarkReese like other people have this card that is Apple. Cash thing and do I need it ?

[@MarkReese]

@@mijra7520 - Sorry, I don't think I understand the question 😁✌️ That said, you don't _need_ the Apple Card. Some people get it to have payments on Apple devices with 0% interest for a period of time. It also functions just like a regular credit card: you have a limit and you can put expenses on it each month. At the end of your billing cycle of ~ 30 days, you'll receive a bill for all your charges. You'll then pay the bill by the due date 👍

[@sam9242]

I wouldn't have anything Apple if they gave me 5% on everything and a $500 bonus, and paid me $50 each year to keep the card. Not my kind of company. Thanks though.

[@MarkReese]

That's the beauty of livin' in a world of choice! Go get that Android 😉 Do you plan to get the Google debit card / checking account when released?

[@sam9242]

@@MarkReese Not really. It has nothing I've seen that I need. But I'll take another look.

[@jeremiaharrington8700]

How old you have to be to apply ?

[@MarkReese]

You must be 18 years old, depending on where you live. Here's a link to the requirements from Apple: support.apple.com/en-us/HT209218

[@zyjianklein5658]

Hi! I just wanna ask. Can i use my debit card to apply for Apple Card? I don’t have Credit Card yet.

[@MarkReese]

Hey Zyjian! Debit cards do not help with applying for credit cards. The main important factors are your credit score / history and income.

[@zyjianklein5658]

@@MarkReese Ok thank you for the info. Have a good day!☺️

[@no-mk1wj]

4:33 what should I put in citizenship if I am a lawful permanent residence? I got rejected because of insufficient credit although my friend was accepted even though his credit score is in 600s and he is US citizen. I don't quite get it. Plz help :(

[@MarkReese]

For residence I would put United States. If the reason for rejection was insufficient credit, I recommend building up your credit history further before applying again. How much credit do you currently have across all cards? How long have you had them?

[@no-mk1wj]

@@MarkReese thanks for your reply. At that time I had 740 and my credit card was I believe 4 months old. I hope they don't reject my application next time lol. Anyway, thanks :)

[@MarkReese]

Schoolwork M - Ah got it 👍 I’d say 4 mo. is too early. In general, I’d wait at least 6 mo. before getting another credit card. For the Apple Card, I would wait until you have 1 year of credit history 💯 In the meantime, you can also check out the Discover it Secured Credit Card.

[@MarkReese]

@@mike-uw6wt - Great point, you're totally right! It's awesome that WF made their cards more accessible to more people now 🙌🏆💳

[@williamtin7796]

Can an international student studying in the US apply for it?

[@MarkReese]

Are you a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box.?

[@ozg948]

Can you use on eBay? Thanks

[@MarkReese]

You can use the Apple Card on eBay to earn 1% cash back. If the listing allows Apple Pay, then you can earn 2% cash back. Here's a link to an article about it: 9to5mac.com/2021/07/29/ebay-now-supports-apple-pay-payments-on-its-desktop-website/ After doing several searches, I haven't seen Apple Pay as an option to pay 🤔

[@jayceyallen7745]

I've never had a credit card I'm trying to get this one as a first bc I have an iPhone/apple pay and want to get a couple more apple products. I'm in the military so I have a set pay every month but if I get declined for an apple card what am I supposed to do? In the email it said I was declined bc You have insufficient credit history And Your monthly debt obligations are too high given your income - examples may include loan or monthly housing payments As I said I've never had a credit card so can I not get a credit card simply bc I've never had one before? Also I don't have any debt. I joined straight out of HS and dont even have a car so the most expensive thing I have to pay for is my phone bill. Is there some other debt obligations they could be talking about? Or am I just gonna have to apply for a different card and then build credit before I get one from Apple?

[@MarkReese]

Hey Jaycey! When you received the Apple Card denial, did Goldman Sachs give you the option to enroll in the 'Path to Apple Card' program? 😃

[@jayceyallen7745]

@@MarkReese no I didn't see anything like that in the email. Just explained why I was declined🤷🏽‍♀️

[@MarkReese]

@@jayceyallen7745 - Ok in that case it's best to get a secured credit card as your first card (or a student card if you're in school). Those will be much easier to get approved for, help you build up your credit score + profile, and then you can go for the Apple Card again 😃👍 Also, today's video may be really helpful to you...check back later this evening! 🎬

[@jayceyallen7745]

@@MarkReese ok thx for your help

[@EliasRoy]

I'm trying to apply in an iPhone 7 Plus but in the Wallet App there is no ➕ icon. Can you help me please??????

[@MarkReese]

Do you have the latest version of iOS installed?

[@EliasRoy]

@@MarkReese Yes I have

[@MarkReese]

​@@EliasRoy - Hmm strange. Here's what Apple says: _If you don't see the button when you open the Wallet app, your device might be set to the wrong region. First, make sure you're in a country or region that supports Apple Pay. Then, follow these steps to set the region for your device: (1) Open the Settings app and tap General. (2) Tap Language & Region, then tap Region (3) Select your region, then tap Done._

[@EliasRoy]

@@MarkReese I did the instruction as you said and I finally got the ➕ icon in Wallet app. Thank you my friend 👊

[@MarkReese]

@@EliasRoy - You're welcome! Glad it worked 💯🙌

[@eyob8969]

What is APR? why is it 15,99% procent what is normal APR from Amex and hilton

[@MarkReese]

APR = Annual Percentage Rate. That’s the interest rate that you’d be charged over a year of carrying a balance on the card. To avoid all interest, simply pay your bill in full before the due date each month 😃👍

[@eyob8969]

@@MarkReese gotcha thank you.

[@MarkReese]

@@eyob8969 - Sure thing!

[@DittoCake]

Does it report to the credit beaurous ?

[@MarkReese]

Yes! The Apple Card originally only reported to TransUnion. BUT NOW it is now reporting to all 3 bureaus 🙌💯😃

[@bbobxti]

How old do you need to be? I’m 13 years old

[@MarkReese]

You'll need to be at least 18 to get the card on your own. However, if someone older in your family gets the card first, they can then add anyone else age 13+ to their 'Family Sharing group' as a Participant.

[@cabronas09]

this is a credit card what do u think 😭

[@zaylancopeland8228]

Can you be 18 & get one ?

[@MarkReese]

Yes, though Apple specifically says that you must "Be 18 years or older, depending on where you live." Perhaps because some states may have different age requirements. Here's a link with more info about eligibility: support.apple.com/en-us/HT209218

[@pottergold4600]

I would apply for this if they would let you ship the card to a PO Box like Discover did. Thanks for the video.

[@MarkReese]

Awesome that Discover worked for you!

[@pottergold4600]

@@MarkReeseJust curious about your opinion. So I have this capital one with a credit limit of 300 I got back in September with a score of 584. And now not even 6 months later I am at 694 with regular payment and utilization under 10%-18% at most. Is it too soon to apply for an Apple Card or should I wait until capital one reaches 6 months to raise my limit and a credit review. I am just starting this credit journey and Was curious on your experience or advice on this area . I don’t want to seem like I have too many hits too soon. And again, I only have had one credit card approval ever and that was in September. Thanks 🙏 v

[@MarkReese]

@@pottergold4600 - Well done on beginning your credit journey! 😃👊 To clarify, is the P.O. Box situation going to be an issue if you were to apply for the Apple Card?

[@pottergold4600]

@@MarkReese I was thinking of applying for the Apple credit card and then having the card shipped to my gf’s address after I apply and enter my critical info since it offers a choice to ship later. I have just been staying here a lot. I’m just not on the lease here and don’t know about sending mail here. I just have been using my folks address most of my life and I heard when applying for a credit card to keep your address consistent. Just didn’t want them shipping this card to their place because they actually passed away last year and I’m not directly mail there anymore. I was thinking of applying with my information and then changing my address after approval if that’s not something considered dishonest. I guess I can always call Apple and ask. Thank you for your time and responses.

[@MarkReese]

@@pottergold4600 - Got it. Your score is definitely sufficient, and your utilization is also great. While not a strict rule by any means, I'd personally wait until I had a full 6 months of credit built up before going for a 2nd card. But since you're looking at the Apple Card, you could give it a go now. Fortunately, the Apple Card allows you to receive a decision on a pre-approval / denial basis before your credit report gets pulled. Then, if you accept an offer, that's when the inquiry will get added. Also, I recommend using the address on your credit report when applying.

[@Laughhouse2go]

Hey Mark, would it make sense to use Apple Card's application process to gauge the kind of credit limits I could expect with other cards (eg, applying for an Apple Card with no intention of accepting every few months to see how the offered credit limit shifts)?

[@MarkReese]

Hey there - definitely not ✌️ Credit limits can vary widely from 1 issuer to another.

[@JAA369]

It’s good to have Apple Card. Certainly the best credit card out there at the moment for overall savings.

[@MarkReese]

J Alonso - I’m looking forward to using it! Do you have it too?

[@GalaxyNexus1]

It’s actually not even close to being the best. It is a great card for financing directly through Apple, though.

[@gop305]

If I were to use the physical apple card at Mobil/Exxon, and Panera, will I still get 3% back or I need to use Apple Pay?

[@MarkReese]

Hey Matthew! Using the Apple Card _with_ Apple Pay is required to earn 3% Daily Cash. As an example, here's what the terms say for ExxonMobil: _"3% Daily Cash is available in the United States when using Apple Card with Apple Pay (where available) at Exxon- or Mobil-branded pumps and attached convenience stores. To pay at the pump with Apple Pay, use either Exxon Mobil Rewards+ mobile app or contactless payment. Excludes purchases at third-party merchants, including independent car washes, located within an Exxon- or Mobil-branded location or the attached convenience store."_

[@MarkReese]

...also, you'll earn 3% at Apple with the physical card _and_ Apple Pay. It's just the other partnerships that _require_ using Apple Pay each time 👍

[@gop305]

@@MarkReese Thanks for those clarifications. I appreciate your time and info.

[@MarkReese]

@@gop305 - sure thing man 😃👊

[@leidarenfroe4951]

I have not applied yet but I have student loans, could that cause my approval to be denied?

[@MarkReese]

Hey Shaleida! How long have you been making loan payments, and have they all been on time? Also, how long is your credit history on average?

[@leidarenfroe4951]

@@MarkReese since 2010. I have not paid anything since last year. When the pandemic started I go a letter that payments wouldn’t need to continue until September 2021

[@MarkReese]

@@leidarenfroe4951 - Great 👍 It's possible the loan balance could work against you a bit for a credit card application if you still have a high balance to pay back. What percentage have you paid off? Also, do you have a credit score built up yet?

[@SLiveForTheMoment]

I apply since Monday been 3 days didn't get approved yet says review in process how long does it usually take?

[@MarkReese]

Hi Shawn! I'm not sure how long Goldman Sachs takes with their reviews. With some banks it can take 7 to 10 business days 👍

[@SLiveForTheMoment]

@@MarkReese I understand Now I got a email saying "you have applied a number of times and cannot verified the information you have provided at this time * and doesn't let me apply back how long is the wait to try again?

[@MarkReese]

@@SLiveForTheMoment - Does that mean you received a denial? 🤨

[@ravenstarheels]

My credit is not that good. But I am glad he looks like he likes the card.

[@MarkReese]

Hey Marcus! What's your current credit score at the moment?

[@PeterMouanoutoua]

Hey Marcus, I have like 10 inquiries or more but I have a high credit score. I still got approved after 8 months. I was denied many times due to many inquiries, not enough income whatsoever. I finally got approved last week. If you really want the card keep on applying each week plus it’s only a soft pull and it won’t hurt your credit score. Good luck.

[@ravenstarheels]

It is 620,,,,,,i have a ways to go

[@MarkReese]

@@ravenstarheels - You're off to a good start! Once you get to ~ 670+ and a year's worth of history, I'd say you've got a great chance of approval.

[@ereniachavez]

I got approved at 622. 6 month credit history 🤗

[@dec7952]

Do you need to upload your Id?

[@MarkReese]

I did not ✌️

[@mscuddles4824]

What if I haven’t worked for a full year yet? How do I go about the annual income?

[@MarkReese]

Hey Steph! Do you have any source of other income at the moment (incl. from parents)?

[@mscuddles4824]

@@MarkReese well I’m the only one of whom I live with that has a job, I don’t know if the money they make necessarily counts but if it does then... yes?

[@MarkReese]

@@mscuddles4824 - Use whatever income you have 😃👍

[@preeyadame5071]

Do you know how many credit score that I’m going to loss after I accept the card? (I’m try to build up my credit to get a new car next year.

[@MarkReese]

Hi Preeya! The score drop is different for everyone based on their own credit report, but it’s temporary. I would guess anywhere from 3-10 point drop. When you get approved, your score can increase rather quickly in a few months. If you need to build up your credit *before* getting a car, then I recommend getting the card now. The longer you have it, the more positive history your can build, and therefore increase your score 👍

[@preeyadame5071]

Hi Mark! Thank you very much!! I will go for it.

[@MarkReese]

@@preeyadame5071 - Let me know if you get an approval! 😃💯

[@preeyadame5071]

Yes, I got approved!! Yeah! But very little credit limit. It might be I have another 2 credit card..😁

[@MarkReese]

@@preeyadame5071 - CONGRATS!! 🎉💯 I'm happy for you! After you use the card for ~ 6 months, go ahead and request a credit limit increase. That will be a big help. For now, just use the card and build positive history 🥇

[@Dabigmothertrucker]

I don’t have a iPhone can i apply for it on my sisters phone even tho her info is on her apple id?

[@MarkReese]

Do you have an Apple ID? I'm thinking it'd probably not be worth it. The application requires using your Apple ID & being logged in.

[@Dabigmothertrucker]

@@MarkReese No i dont . Whats the lowest limit you seem them give ? I’m getting me a iPhone next week

[@MarkReese]

@@Dabigmothertrucker - Not sure what the min. credit line is. Per Goldman Sachs: "To determine your initial credit limit, [we use] your income and the minimum payment amounts associated with your existing debt to assess your ability to pay." Here's a link to a discussion on Reddit about the limits people received: www.reddit.com/r/AppleCard/comments/ct0r0p/whats_your_approved_apple_card_credit_limit/

[@Dabigmothertrucker]

@@MarkReese i have a 760 credit score and no debt

[@MarkReese]

@@Dabigmothertrucker - There's not a way for me to tell you what the limit will be.

[@yanin88]

I applied and it said it cant verify im identity i dont get it

[@MarkReese]

*Hmm - any typos perhaps? Any other way to verify? Here's what I found from **CreditCards.com**:* "Your identity couldn’t be verified You may be asked to verify your identity when you apply for the Apple Card. This requires you to use your device to scan your driver’s license or state ID. If the information you entered in your Apple Card application - including your date of birth, last name and address - does not match the information on your ID, your application may be denied."

[@rmaria2254]

They had to verify my identification as well I submitted a copy of my drivers license front and back and was approved for $2500

[@MarkReese]

@@rmaria2254 - Thanks for the insight Ted, and congrats on that approval! 💯

[@susanagomez8911]

@@rmaria2254 i had to do the same. My application is “review in progress” this is the second day I am waiting. Did you have to wait a few days to get approved?

[@chelo8564]

If i decline the offer, do I take a hit on my credit report?, a hard pull? Or not??

[@MarkReese]

Chelo - Nope 😃 When your application is approved, you are shown an initial credit limit and APR offer. To accept the offer, tap except Apple Card. You have up to 30 days to accept your offer and your credit score is not affected until after you except. 🙌💯🙌. SOURCE: apple.co/33fLomK

[@chelo8564]

Thanks so much Mark R. That's key information when it comes to applications since most banks don't give u the same option, great video, keep it up! 🤠

[@MarkReese]

@@chelo8564 - You're welcome! I really like how consumer friendly the Apple Card is. Both Apple + Goldman Sachs did a great job with it 👍

[@jamesmoore8873]

I think they’re required scores are to high what not

[@MarkReese]

Hmm what's your est. FICO score at the moment?

[@jamesmoore8873]

@@MarkReese 618 experian

[@MarkReese]

@@jamesmoore8873 - Ok cool once you get it to 670+ give it another go 👍 I also made a video called “Credit Cards 101” which may help ya identify how to boost your score faster 💯

[@jamesmoore8873]

@@MarkReese I am working towards the chase sapphire preferred because I wanna get in the chase market before I hit 5-24

[@camdenluecht2472]

How did you get your phone projected on your Mac

[@camdenluecht2472]

Also congrats on 500 subs

[@MarkReese]

Thanks a bunch man! 🏆

[@MarkReese]

Here's the process: (1) Connect phone to computer via USB cable (2) Open QuickTime Player (3) Choose "File > New Movie Recording" (4) From the tiny white dropdown arrow to the right of the red record button, select your phone as the device (5) Choose "File > New Screen Recording" to record your computer screen with the phone video also displayed. Give this a go and let me know if you have success with it! 😃

[@arafat_parves]

hey can anyone apply for apple card from other country...??

[@MarkReese]

Hey there! Not yet. Here are the requirements at the moment from Apples site: (a) Be 18 years or older, depending on where you live. (b) Be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address. (c) If you apply on a compatible device that you own, make sure it has the latest version of iOS, watchOS, or macOS. (d) Be signed in on your device with your Apple ID and use two-factor authentication. (e) If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. (f) You might need to verify your identity with a Driver License or State-issued photo ID.

[@arafat_parves]

thanks

[@MarkReese]

@@arafat_parves - Sure thing!

[@lincoln169]

Did they do a hard inquiry at any point?

[@MarkReese]

Yes. After you accept the offer, a hard inquiry will take place. The bureau might vary based on where you live, but for me it was TransUnion 👍

[@lincoln169]

@@MarkReese Thank you. That helps a lot.

[@SalamiD474]

Hey how are u of course watch

[@MarkReese]

Hi Solomon - what do you mean?

[@SalamiD474]

Do ask u myself tried not apply card

[@MarkReese]

@@SalamiD474 - Do you have a question?

[@SalamiD474]

Yeah still learn Apple Card that hard

[@mikeatstacos1232]

I just completed my 7 month of credit history. My credit score is above 700. I have two cards already in my name. However I keep getting denied. My income isn’t all that great because I am a college student straight out of high school and work part time. Any tips if I should wait for some time or anything to get accepted?

[@MarkReese]

Well done on getting your journey started w/ a couple cards, 7 months of history, and a solid score! 😃👊📈 I've seen people get approved / denied for the Apple Card will all kinds of credit files - so much so that I have no idea what they're looking for 😂 Personally, I'd hold off for a bit longer until your average age of credit history is a full year. Then give it another go.

[@mikeatstacos1232]

@@MarkReese thank you for your advice! The reason they gave me was “Your monthly debt obligations are too high given your income - examples may include loan or monthly housing payments”. I don’t have any loans or anything of that sort other than paying my credit cards monthly. Do you think the income I am putting is too low? I am putting the number that is on my W-2 but obviously my parents support me and give me money time to time. Should I include a reasonable income from my parents as well next time I apply? And if so, is it possible I can try again before waiting a full year of credit history?

[@MarkReese]

@@mikeatstacos1232 - Ah got it! So basically here's what Goldman Sachs is saying: The amount of outstanding debt (on your 2 credit cards) is too high compared to your income level (and probably compared to your credit limits, too). The credit bureaus usually see your credit balance 1x per month, and the balance they see is usually the amount on your *statement close date.* So here's what I would do: (a) Identify when your statement close date is for each card (b) Make a payment several days _before_ the statement close date on each card so that the remaining balance is 1% - 9% of your total limit (c) Let each billing cycle close & wait for your statements; this will allow a much lower balance to be reported (d) Pay the rest of the balance off on each card before their respective *due dates* so you won't get charged any interest. (e) Repeat this for 2 months. (f) Reapply for the Apple Card 😃👍 Does all that make sense?

[@mikeatstacos1232]

@@MarkReese makes total sense!!! Thanks

[@MarkReese]

@@mikeatstacos1232 - Sure thing!

[@AnomolousGrandeur]

I’m jelly

[@MarkReese]

You plan to apply for the Apple Card too? 😃💳

[@AnomolousGrandeur]

@@MarkReese Yeah I’m kind of in the middle of building my credit back, from being stupid in my 20s! I got the chime credit builder and Citi diamond card, gonna stick with that for now. But seeing how all my subscriptions are through Apple, that 3% sounds pretty nice!

[@MarkReese]

@@AnomolousGrandeur - It sure does 😁👊 Well done on starting the rebuild phase and for keeping it simple. Make it happen! 📈💯

[@Spider-time]

What was you’re Credit score when you applied?

[@MarkReese]

Credit Karma said I had ~ 801, so my actual FICO score was probably ~ 780+

[@marjelissaarenzana6753]

I got denied 😞 Can you still apply the next day?

[@MarkReese]

Marjelissa Arenzana - Ahhh bummer 😆✌️ I wouldn’t recommend applying the next day. Each new application ends up putting a new hard inquiry on your credit report and lowers your score a bit temporarily. What was the reason for the denial?

[@foobar5853]

@@MarkReese no it does not.

[@MarkReese]

@@foobar5853 - Hey there! What are you referring to?

[@foobar5853]

@@MarkReese the Apple Card does NOT put a hard inquiry on every new application.

[@MarkReese]

@@foobar5853 - Great to know! Thanks!

[@denny-michael]

I got declined. Probably because I’m a broke college student 🧑‍🎓

[@MarkReese]

Bummer. Was it going to be your 1st card? Did you have income to put on the application?

[@denny-michael]

@@MarkReese no, I have already one card from BOA. I do have an income.

[@MarkReese]

@@denny-michael - Got it. Consider going for a different card then. There are some great student credit cards out there, some of which are just as good as the 'regular' versions.