AppleCard and Bankruptcy

Question

AppleCard and Bankruptcy

I saw an earlier thread but it wouldn’t let me add to the conversation so I’m just adding what I was told..

I had an AppleCard but also had to go through bankruptcy in 2020. My debt was absolved however, AppleCard still shows my debt and will not allow me to reapply because it is connected to my appleID. I was advised by AppleCard/Goldman Sachs support that the only way to get AppleCard again was to apply with a different Id.

This doesn’t seem right to me, as I was absolved of the debt. The debt shouldn’t show anymore, shouldn’t be connected with me nor my appleID and I shouldn’t have to “create a new identity” to be able to try and reestablish my credit in the world. A lot of people had unforeseen circumstances occur since 2020 and it doesn’t seem right, so hopefully this helps someone who is in a similar situation if not knowing why the system won’t let them apply again, and if anyone is able to help me reestablish my AppleCard I would appreciate it greatly!

Posted on Jan 9, 2023 10:43 AM

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Answer 1

muguy

Level 10

91,172 points

Jan 9, 2023 3:37 PM in response to MitchisWright

its very likely that you would be ineligible given the bankruptcy. I suspect that would not change if you used a different Apple ID. Your best bet may be to begin with a secured credit card through your bank.

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Answer 2

muguy

Level 10

91,172 points

Jan 9, 2023 8:13 PM in response to MitchisWright

There is no requirement for Goldman Sachs to remove their accounting on your card. That may simply be the way that they track bankruptcy for write-offs/write-downs on accounts. They will likely close the account, if they haven't already. They have already provided you the answer, you need to apply using a new Apple ID. Which makes sense as your account is your Apple ID.

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Answer 3

Jan 9, 2023 5:24 PM in response to muguy

That’s not what the purpose of my comment was saying. My point was that even tho the debt was absolved regarding the account - the account is connected via your Apple ID and they haven’t destroyed the record of the debt, therefore making it seem as tho I already have an AppleCard and I cant get a second one.

And it’s verbatim what I was told by Goldman Sachs. So.. i don’t see your point in saying I wouldn’t qualify with a new Apple ID. I already have secured credit cards elsewhere again, I just wanted to repost because at least 22 other users reported this issue on a previously closed thread.

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Answer 4

Jan 9, 2023 7:59 PM in response to muguy

But when bankruptcy absolves you of the debt.. you are.. absolved of that debt lol.

So, all accounts are closed and records erased but you have record of bankruptcy on your credit report for 7-10 years which could impact you with creditors for the future during those years.

Except that.. AppleCard / Goldman Sachs still has a record that I have that debt attached to an account that is closed permanently, connected to an Apple ID. Even tho it’s absolved. So.. this is what myself and the other users were saying doesn’t make sense why they couldn’t reapply. Not sure if the credit bureaus have to contact Goldman Sachs or if they have the 7-10 years to remove the record for a creditor to attempt to reapply?

So, if someone has an answer for not only me but anyone who has had to file bankruptcy since AppleCard came into being, but wants to move forward at a later time please reply. Thanks.

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Answer 5

muguy

Level 10

91,172 points

Jan 9, 2023 7:30 PM in response to MitchisWright

Then that’s just how they handle bankruptcy.

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