How long does the Apple Card review process take?

I applied for the Apple Card because I make regular, large purchases, and I was intrigued by all the cash back opportunities. I tried to make a large purchase shortly after I was approved (like the advertisement said I could!), and it was immediately declined. I called customer service (after being on hold for 30 minutes), and they supposedly fixed the problem. I tried again, and it declined again. So I wound up paying in cash because the store I was in was about to close. I called Apple Card customer service again this morning, and they said there is now a 5-7 day review and they suggest I don’t use the card during that period??? And the best part is that there is NO ONE who can expedite this review (according to who I just spoke with). Apple, please tell me why I should continue to use this card when YOU are unable to solve issues immediately when they come up. I understand it might be suspicious making a large purchase right after getting a credit card, but that should be able to be solved over the phone with a representative, which it apparently cannot. I’m not angry, but I am incredibly frustrated, unsatisfied, and disappointed, mainly because I was excited to use this card and get cash back. Not the best first experience!


[Re-Titled by Moderator]

Posted on Mar 1, 2025 10:01 AM

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Mar 1, 2025 12:53 PM in response to BrandonMcarthy1234

It could be the nature of the charge. For example attempting to charge cash equivalents such as gold, cryptocurrency, excessive amounts of gift cards is prohibited. Items such as marijuana, online gambling and casino purchases are typically prohibited.


There are other restrictions too and it’s best to read the terms and conditions so as to avoid future issues.


https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

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How long does the Apple Card review process take?

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