I tried applying for the Apple Card again after over a year since filing bankruptcy, but it says there is already an Apple card associated with my Apple ID but I can’t add the card back or reapply! What do I do next?
iPhone 12 Pro Max
Thanks for replying. While none of us here work for Apple or Goldman Sachs and can definitively answer your question, I can tell you how long a bankruptcy will stay on your credit record.
The Fair Credit Reporting Act says that bankruptcies can stay on your record for no more than 7 or 10 years. This depends on whether it’s chapter 7, 10, or 13.
The FICO 8/9 algorithm reduces the affect a bankruptcy has on your credit score as time goes on. In your situation with the bankruptcy being only a year old, it has a major impact on your score.
My advice, but I’m no expert, would be to start your new credit journey with a secured credit card or two for your first few years and establish a good payment and usage history before applying for a non-secured credit card.
You will need to contact Goldman Sachs support team to learn how to remove your old account from your Apple ID/iCloud account so that you can apply again for the Apple Card.
I hope this helps.
Hi, we’re you ever approved for the Apple Card? Was your Apple Card account involved in the bankruptcy? Have you contacted the Goldman Sachs Apple Card support team about this matter?
It was involved in my bankruptcy. What does that entail? How long until I can acquire another Apple Card?
Applying for the Apple card for a second time after filing for bankruptcy.
