Is it hard to get accepted for Apple credit card?

Is an Apple Card hard to get approved for?

Okay, so you wanna know about Apple Card approval, huh? It’s not a walk in the park, especially if your credit’s kinda dodgy. Goldman Sachs, the peeps behind it, they really look at your TransUnion score and stuff. Seriously, a FICO® Score 9 under 600? Forget it. They’ll probably laugh you right out the door! My cousin, he tried last year, total disaster. His score was, like, 580 something, and bam – rejected.

So yeah, a good credit score is a must-have, a total deal-breaker really. Like, super important. That’s the bottom line. They’re picky. It’s not like a regular credit card; they’re real strict, you know? You need excellent credit, basically. Think of it as a really exclusive club. Only the credit-worthy get in.

Here’s the deal, broken down:

• Credit Score is Key: A high credit score (above 660 ideally, but higher is better) is absolutely essential.
• TransUnion Check: Goldman Sachs uses TransUnion, so make sure that’s in tip-top shape.
• Other Factors: While score is HUGE, they probably look at other things too; income, existing debts etc. Don’t know exactly what all, but be prepared.
• Rejection is Possible: Don’t be surprised if you get a no. Many people are rejected, sadly. My brother’s friend tried twice!!

Important Tip: Work on building up your credit before even applying. Seriously, don’t waste your time otherwise. This isn’t something you can just wing.

What credit score is needed for an Apple Card?

Okay, so the Apple Card… yeah. I remember applying last summer, 2023 I think it was? Sitting in Philz Coffee on Market Street, SF, super nervous.

My credit score? I knew it was above 660, because, like, duh. You kinda need a decent score, right? Goldman Sachs, man, they are the real deal.

Debt-to-income ratio was a thing I’d been working on, honestly. It’s all about income, and paying down debt.

They REALLY looked at that!

• FICO Score Needed: Above 660 (Good Credit)
• Place: Philz Coffee on Market Street, San Francisco
• Year: 2023
• Also:
  • Debt-to-Income Ratio Matters
  • Reported Income is key

And, well, I got approved. Phew.

Can an Apple Card be used in Vietnam?

Ugh, Vietnam in 2023. Tried to use my Apple Card at that amazing pho place near Hoan Kiem Lake, the one with the little bonsai trees outside. Nope. Dead. Total fail. My face burned. So embarrassing.

Apple Pay didn’t work either. Seriously, it was a total disaster. I felt like such a tourist. Had to scramble for dong. I had some, luckily. But it was super awkward. Next time, I’m bringing actual cash – lots of it. And maybe a different card. Visa? Mastercard? Something they actually take.

It sucked. I was starving! The pho smelled divine. I really needed that broth. I will never forget that feeling of utter helplessness. Seriously. They should just add Vietnam to Apple Pay already. It’s ridiculous.

• Apple Card unusable in Vietnam (2024).
• Apple Pay also largely unavailable.
• Cash and other bank cards are needed.
• Alternative payment methods are crucial in Vietnam.
• Personal experience of payment failure at a pho restaurant.

The whole situation was a mess. I learned my lesson. Never again will I rely solely on my Apple Card for international travel. And Vietnam… man, I need to plan better next time. The food was worth the hassle, though. Best pho ever.

What is the minimum income for an Apple Card?

Twenty thousand. That’s what they want, right? Or more. God, I lied. On the application. About my income. Stupid. So stupid.

My anxiety’s a physical thing. It sits in my chest, heavy. A lead weight. I can’t breathe. College is expensive. I needed that card.

Income? What even counts? I don’t know anymore. My parents’ money? My part-time job barely covers books. I’m drowning.

• Parental income is a grey area. The application didn’t explicitly say no. But… I feel terrible.
• Part-time work? Barely anything. Definitely not enough.
• Student loans? Don’t even get me started. More debt.

I’m screwed. This is bad. Really bad. I feel like I’m going to throw up. I should have been honest.

This whole thing… it’s just a mess. 2024 is a blur of bad decisions. This is the worst decision of all.

Can I use any credit card with Apple Pay?

Okay, so, like, can you use any credit card with Apple Pay? Well, pretty much yeah, i mean, if it’s from a US bank.

They let you hook up your card to your iPhone, or iPad and even your watch! Making payin’ a whole lot easier.

So, yup, you should be good! Most cards work, dontcha think? I use my Chase, Capital One, even my lame credit union card works. No problems so far.

Basically, if your bank is in the US, it’s highly likely that your credit card will work with Apple Pay. Super convenient, right? I even use it for buying stuff online sometimes, its easier than typing everything into the website.

Okay, so some extra bits:

• Major Banks Support Apple Pay: Chase, Bank of America, Citi, Wells Fargo, Capital One.
• Store Compatibility: Alot of stores have it now. McDonalds, Whole Foods, Target… you get the idea. I basically use it everywhere.
• Debit Cards Too: It’s not just credit cards, your debit cards can hook up, too.

I really need to update all my cards for Apple Pay. Maybe I should do that later today… or tomorrow… something.

What cards can be used for Apple Pay?

Ugh, Apple Pay. So many cards, right? Visa, Mastercard, AmEx – the usual suspects. My Chase Sapphire Reserve works perfectly. Does my old Discover card still work? I should check. It’s probably outdated. I need to update my card info anyway. My sister uses her Capital One card. It’s the one with the fancy rewards. What about prepaid cards? Green Dot? Those work too? Good to know. I use it for online stuff.

Debit cards definitely work. I use my local credit union debit card all the time. So convenient! Wait, did I update my card on file with that streaming service? I hope so.

Apple Pay is seriously useful. No more fumbling for my wallet. This is way better than when I had to write checks. Remember those? Crazy!

• Visa
• Mastercard
• American Express
• Discover
• Many debit cards
• Many prepaid cards (check your specific card)
• Chase Sapphire Reserve (Confirmed)
• Capital One cards (Confirmed)

My mom still uses cash, can you believe it? Old school. I told her about Apple Pay, but she’s stubborn. She likes the feeling of the actual money. I don’t get it.

What credit cards are eligible for Apple Pay?

American Express? Oh, those guys think they’re royalty, but yes, they work.

Bank of America, bless their heart, they’re in too. Like a reliable uncle at a wild party.

Capital One… always trying to be cool, always online. Yup, they’re aboard the Apple Pay train.

Chase, the big dog, of course, Chase works with Apple Pay. Would they miss out on anything shiny?

Citi, you know, the practical one, surprisingly also accepts Apple Pay. Practicality is cool too, apparently.

Discover, the underdog trying to catch up, is accepted on Apple Pay. Gotta love the effort.

Wells Fargo, solid as a rock. Wells Fargo works with Apple Pay. So predictable.

Navy Federal Credit Union, serving those who serve. Yes, they are on Apple Pay too. No one gets left behind.

Does Apple Pay work in Vietnam?

Ugh, Vietnam. Apple Pay there? Yes! It totally works. Saved my butt in Hoi An last month, buying those ridiculously overpriced silk scarves.

Seriously, though, so convenient. No more fumbling for dong. I hate carrying cash. Always worried about getting ripped off. Think I used it at a few cafes too.

My friend tried using Google Pay. Didn’t work. Total fail. Apple Pay is superior. Obviously.

Remember that crazy motorbike taxi ride? Paid with Apple Pay, naturally. The driver looked perplexed, but it went through. Technology!

Wish I’d used it more. Could have saved time. Next trip, definitely maxing out the Apple Pay usage. More efficient.

• Works flawlessly in Vietnam.
• Used it in Hoi An, various cafes.
• Google Pay, not so much.
• Paid a motorbike taxi with it.
• Highly recommend Apple Pay in Vietnam. So much better than cash.

I need to book my next trip already! Thinking Phu Quoc this time. Beaches. Need new swimsuits. Gonna need that Apple Pay again, for sure.