Both Apple and trans union don’t understand why I am being denied the Apple credit card. I meet the requirement for it and I have no debts. What do I do now?

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Level 1

8 points

Both Apple and trans union don’t understand why I am being denied the Apple credit card. I meet the requirement for it and I have no debts. What do I do now?

What do I do? Both the Apple credit support and trans union couldn’t figure out why I am being denied the Apple Card. The email provided to me after I was declined stated that my debt obligation is to high given my income. I have no debt what so ever. No student loans no medical bills or even a house payment. I’ve been struggling to get accepted for the past few months now. What do I do at this point? Ive contacted both agencies and they couldn’t help me.

iPhone X, iOS 14

Posted on Nov 2, 2020 1:05 PM

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Answer 1

RUSD tech

Level 4

1,525 points

Nov 2, 2020 1:45 PM in response to Shadyshadow-

Have you pulled your own credit score from Transunion ?

Did you ask Goldman Sachs if you are eligible for their 4 month credit makeover process to help you get the card ?

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Answer 2

Shadyshadow- Author

Level 1

8 points

Nov 2, 2020 1:58 PM in response to RUSD tech

I reviewed my credit report from trans union and everything was good. When I contacted Goldman Sachs they didn’t discuss with me the four month credit makeover. I don’t have a bad credit score though and have always payed my credit cards on time. Trans union even said they don’t see anything negative in my account.

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Answer 3

Shadyshadow- Author

Level 1

8 points

Nov 2, 2020 2:58 PM in response to RUSD tech

How could I submit my ID? As far as I know the only reason being provided to me as to why I’m being declined by Apple is the debt obligation. Which still confuses me since I have no debt.

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Answer 4

Shadyshadow- Author

Level 1

8 points

Nov 3, 2020 10:26 AM in response to Shadyshadow-

After debating between the credit bureau and Apple customer support I finally got accepted. Took a few months but better late than never.

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Answer 5

RUSD tech

Level 4

1,525 points

Nov 2, 2020 2:17 PM in response to Shadyshadow-

Is it possible your state ID system is not talking to GS ?

When the Apple Card first launched, there were many declined because the state "enhanced" ID system was not talking to the GS bank system.

Many tried for weeks on end trying to get their ID to register with GS.

I submitted my driver's license ID (enhanced for TSA / Federal use) and it went thru the first time.....

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Both Apple and trans union don’t understand why I am being denied the Apple credit card. I meet the requirement for it and I have no debts. What do I do now?

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