Goldman Sachs1 uses your credit score, your credit report, and the income you report on your application when reviewing your Apple Card application. This article highlights a number of factors that Goldman Sachs uses, in combination, to make credit decisions but doesn't include all of the details, factors, scores or other information used to make those decisions.

If your application was declined, learn what you can do to try and improve your next application.

You can also contact Apple Support if you have question about applying for Apple Card.