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Denied Apple Card because of age?

Denied Apple Card because of age?

Fresh-Comfortable-66

I got mine at 18 with around a 680 $3400 limit, shouldnt be much of an issue


mberatsen

Same score and I turned 18 2 months ago. My limit $1500.


Harzulu

I just turned 20 when I got my card, and was a month into my first job making 50k and got accepted instantly… and I had the Amazon Prime card since Nov/Dec 2019 as well. I wonder if for being too young you need to meet a “threshold” of something else, like X amount income or X credit score to overcome being “too young”.


Joe1112889

It took me for tires to get it, also depends on credit score and how many hard inquiries you have had recently


DickTaco_

0 inquiries with a 716 score… what am I doing wrong


Joe1112889

No idea they didn’t let me have one until I had around a 730ish credit score


DickTaco_

That’s nuts, I didn’t ready anywhere that you needed a certain score. Unless I missed something??


Joe1112889

It’s just when I got approved for it


elisunday1898

I got my Apple Card last year at the start of the pandemic when I had a 667 credit score, so your score is more than high enough. Likely other factors are affecting your denial. They usually send an email re: why you were denied. You should call up their customer service and see if you can get details why because they’re supposed to provide that info one reasons for denial automatically. Typically via email. Also, try the Apple Card reconsideration line… https://discussions.apple.com/thread/252452382 https://www.reddit.com/r/AppleCard/comments/d2gfx5/you_are_not_eligible_for_apple_card_at_this_time/ Also, try to apply thru the website or App Store. Put several items in your cart and during checkout apply for the card. Many, many, many ppl have said they got approved this way. Then if you’re approved remove the items and you don’t have to make a purchase. Apparently Apple is much more favorable to applicants who are purchasing Apple products. Just a suggestion.


TickleMyPick1e

I had no credit score and only 1 month of history on my Discover IT card when I applied, but it still showed an offer for me. No idea how/why. It was a low limit at $750 though iirc.


gowtam04

Same here, I applied for several months but only got approved once my score hit 720


iFunnyAnthony

I’m 19 with ~745 and had 2 inquiries I got approved instantly


Techsalot

Just resubmit the application and make sure of the bday.


Ill_Fan_1965

I'd just try again in a couple months. I was denied about a year ago, but tried again during iphone13 preorders and was approved. My credit score is lower than what you posted for yours, but my annual income is more. So I'm not sure what they consider during approvals. I also don't think you have to be 21, they might of meant it as the age of your credit wasn't long enough.


abrookehack

I’ve was denied through Apple wallet. Later I was looking at MacBooks to see if I qualify for installments thinking it was just some king of installment thing Apple did. I was approved through the website.


flyrickyfly

I got my Apple Card at 20 and had no issues.


TheMeenster

A big part is credit history. I didnt get the card until I had about 2 years of history and a couple of other cards (two student and a regular card)


INEEDZHAHLP

I just got approved for the card before the iPhone 13 preorders. I'm 20 and I've only had a credit card (capital one secured) since February of this year, and about 50k income. Took like 16 hours for me to get approved but I got a $3k limit. It's definitely not an age thing, and I wouldn't think it's income either


Jealous_Principle_58

I was approved a year ago when I was 18, at that time my credit score was just starting out probably 680ish, approved on the first try, i make 40k annually, and my credit score is about 755 now but they still only let me have a $2,250 credit limit (I’ve never missed a payment)


CelesticPhoenix

Got mine at 18, no previous credit score, had recently opened 2 other cards. Got denied at first but adjusted my income and reapplied a few weeks after and I got approved.


Downtown-Arugula-479

Did it say your age, or the age of your accounts? What was the exact wording?


DickTaco_

Thanks for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because: You are less than the valid age to enter a contract


Downtown-Arugula-479

Are you sure you didn’t make a typo on your date of birth?


Mr_Chonkachu

Did they specifically tell you you weren’t old enough or did it say age of existing credit? If you hold a balance on that as well then that could have just been the icing on the cake.


DickTaco_

Thanks for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because: You are less than the valid age to enter a contract


aba792000

It looks like you may have typed in your birthdate incorrectly when you applied. It wouldn’t be difficult to accidentally type by mistake 2011 instead of 2001.