I have a credit score over 700 why would I be declined ?
So I have a credit score over 700 and I have been declined for the Apple card twice why would this be ?
Here's the Apple article on the criteria for approval - Goldman Sachs has a different algorithm when it comes to issuing the Apple Card.
How your Apple Card application is evaluated - Apple Support
If your application is declined, a message with an explanation is sent to the primary email address associated with the Apple ID you used to apply for Apple Card. The message might show your credit score. If information provided by a credit bureau contributed to your application being declined, you can request a free copy of your credit report from that credit bureau using the instructions in the email you receive.
If you have a freeze on your credit report, you need to temporarily lift the freeze before you apply for Apple Card. Learn how to lift your credit freeze with TransUnion here.
If your application is declined because your identification information couldn't be verified
Make sure your name, address and other information provided on your Apple Card application is correct. If you find inaccurate information, re-enter the information as needed.
If you are asked to verify with an ID, follow these steps:
- Make sure there is nothing between your device's camera and your ID that could obscure any part of it.
- Check that the Date of Birth, Last Name, and Address on the ID match the information you entered for your Apple Card application.*
- Make sure the ID hasn't expired.
After you complete these steps, submit your application again. If your application is declined again for the same reason, contact Apple Support.
Your credit score won't be impacted if you're declined, or don't accept your offer. Your credit score might be impacted if your application is approved and you accept your offer.
You can apply for Apple Card again, but you might receive the same decision.
If you want to receive a different decision on your application when you apply again, you should review your credit report to see if you have conditions that might result in a declined application and then check for these common errors in your credit report.