What credit score do you need to get an Apple Card?

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    StellarFi
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    According to the official Apple website, a good FICO® Score (above 660) is necessary for Apple Card approval. According to Goldman Sachs, the issuer of Apple Cards, apart from your credit score, your debt-to-income ratio and reported income are also important factors considered for credit card approval. Goldman Sachs uses the FICO Score 9 scoring model.

    Some of the other factors that may not get your credit card approved include recent unpaid debt that is past its due date, two or more non-medical debt collections, and closures of checking accounts because of overdrafts, bankruptcies, or foreclosures. Apart from this, it also uses information from your credit report from TransUnion®.

    It’s important to maintain good credit behavior overall and pay attention to the factors that TransUnion may focus on to increase your chances of approval for the Apple Card or other credit products.

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