Is Apple Card hard or soft pull?

If you apply for Apple Card and your application is approved, there's no impact to your credit score until you accept your offer. If you accept your offer, a hard inquiry is made.
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Does the Apple Card do a hard inquiry?

Apple does a soft credit pull when you apply for Apple card so you can see Apple's offer with credit limit and APR. A hard pull happens after you hit the "accept" button.
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Is Apple Card credit increase soft pull?

Answer: A: Answer: A: Hi, Goldman Sachs, the Apple Card issuer and servicer, does a soft pull from TransUnion of your FICO 9 score. If your application is approved you'll get an offer showing your Credit Limit and APR.
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Does Apple financing do a hard pull?

Does Apple Financing Complete A Hard Credit Check? Yes, Apple does make a hard credit inquiry during the application process. This impacts your credit score.
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What score does Apple Card pull?

There are multiple FICO Score versions available for lenders to use. Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.
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How To Get an Apple Credit Card with NO HARD INQUIRY!



What is the minimum credit score for Apple Card?

What credit score do you need for the Apple Card? According to Apple, customers with a credit score lower than 600 might not be approved for the Apple Card. This means that some applicants with fair or average credit (scores ranging between 580-669) might be accepted for the Apple Card, while others might be declined.
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What is the highest credit limit for Apple Card?

The limits are determined by the cardholder's credit score, credit age, and income at the time of application. Cardholders have reported credit limits as low as $50 and as high as $15,000. An Apple Card may be shared using Apple Card Family. It requires each person to be over 13 years old to share the card.
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Is Apple Card instantly approved?

It can take somewhere between 7-10 business days to get approved for the Apple Credit Card. In some cases, you could get immediately approved. If you do, you'll get an offer with your initial credit limit and APR after applying.
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How do I prequalify for an Apple Card?

Apply through the Apple Wallet app or online, with no credit score dings until you accept the offer.
...
2. Get preapproved
  1. Open the Apple Wallet app and tap the plus sign icon at the top right of the screen.
  2. Select “Apply for Apple Card” and on the next screen, hit “Continue” at the bottom.
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Will applying for Apple Card affect my credit?

Your Apple Card application begins with a soft inquiry, which doesn't affect your credit score. After the soft inquiry, you will know if you're likely to be approved for the card, plus the annual percentage rate and terms.
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Does Apple Card Raise Limit?

To request an Apple Card credit limit increase, you can chat with an Apple Card Specialist at Goldman Sachs.
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Why is it so hard to get an Apple Card?

Goldman Sachs issues the card. Goldman Sachs considers your FICO® Score 9 as a key factor in determining whether you qualify for an Apple Card. FICO® scores range from 300 to 850. A score higher than 660 is considered favorable for being approved.
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Why can't I apply for an Apple Card?

Make sure that your device has the latest version of iOS, watchOS, or macOS. You must sign in on your device with your Apple ID and use two-factor authentication. If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card.
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Why did my Apple Card get declined?

There are a number of reasons the charge or verification might be declined: Insufficient balance or account in arrears. Account suspended for suspected fraud (not necessarily by you) Error in card number.
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What is a FICO score of 9?

FICO 9 is a credit scoring model owned by the Fair Isaac Corporation (FICO), who introduced it to creditors in 2014 and consumers in 2016. As with FICO's older models, such as FICO 8, it scores your credit on a scale from 300 to 850. Your FICO 9 score indicates how likely you are to repay your debts.
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Can you have a 700 credit score with collections?

Yes, it is possible to have a credit score of at least 700 with a collections remark on your credit report, however it is not a common situation. It depends on several contributing factors such as: differences in the scoring models being used.
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Is the Apple Card a metal card?

Titanium Card

With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it's the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you'll get 1% Daily Cash back on every purchase.
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Is Apple Card a good choice?

The Apple Card is a good credit card that's worth it for people with good credit or better who regularly buy Apple products and services, as well as for iPhone, Mac and iWatch users who are comfortable making purchases using Apple Pay. Owning the Apple Credit Card from Goldman Sachs doesn't have to cost you a thing.
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What is a titanium Apple Card?

About the titanium Apple Card

The titanium Apple Card1 is laser-etched with the card holder's name and the Apple logo. A white finish is achieved through a multi-layer coating process that's added to the titanium base material.
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How many credit cards is too many credit cards?

How many credit accounts is too many or too few? Credit scoring formulas don't punish you for having too many credit accounts, but you can have too few. Credit bureaus suggest that five or more accounts — which can be a mix of cards and loans — is a reasonable number to build toward over time.
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How many hard inquiries are too many?

In general, six or more hard inquiries are often seen as too many. Based on the data, this number corresponds to being eight times more likely than average to declare bankruptcy. This heightened credit risk can damage a person's credit options and lower one's credit score.
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Is it possible to remove hard inquiries?

A legitimate hard inquiry usually can't be removed. But it disappears from your credit report after two years, and typically only impacts your score for about one year. If you find an unauthorized hard inquiry on your report you can file a dispute and request that it be removed.
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How can I get rid of hard inquiries fast?

If you spot a hard credit inquiry on your credit report and it's legitimate (i.e., you knew you were applying for credit), there's nothing you can do to remove it besides wait. It won't impact your score after 12 months and will fall off your credit report after two years.
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Can I buy a house with a 720 credit score?

For most loan types, the credit score needed to buy a house is at least 620. However, a higher score significantly improves your chances of approval, as borrowers with scores under 650 tend to make up just a small fraction of closed purchase loans.
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