Wrong info on reasons declined

Apparently, the banks have deeper info than what you may see on your credit reports. I don't know how deep Goldman Sachs does for the Apple Card, but they didn't see my 1 late payment in 2013. Even with a low score, they approved me last year and recently after a year of unblemished activity, they gave me a credit line increase.

Just last month I was challenged by the 1 late payment in 2013 which does not show in my credit report - but that bank could see it and asked me about it.

After they saw my 740 score, they reconsidered given the circumstances, they approved me for a VISA Signature card for $10K.

Just goes to show you that banks have more info at their hands than consumers....

While your consumer copy of credit may show 100%, the banks are able to pull more data than what you see.

Goldman Sachs uses a different algorithm than other traditional card issuers such as income, iCloud account and other soft pull data.

You should call them to review what is exactly causing the declined application.

Here's what other factors are taken into account:

How your Apple Card application is evaluated - Apple Support