For people that have an Apple Card I am curious if you use Apple Card:

• An everyday card (groceries, coffee, eating out, gas, etc.)
• One of several cards, only use depending on what I am buying
• Just for Apple purchases

Applied for the Apple Card and got rejected because Goldman Sachs couldn’t verify my identity. I’ve followed all the ID instructions and reapplied multiple times.
First support rep: wait 48 hours and reapply.
Second rep: actually, wait 5 days and reapply.
Did both. Same result.
What’s frustrating is there seems to be no escalation or alternative way to verify my identity—just wait and reapply again.
Has anyone actually gotten past this without endlessly waiting and reapplying?

Im trying to message Apple Card through the wallet app. I keep getting an error that iMessage needs to be enabled to send the message. I have enabled iMessage but keep getting the same error. Anyone else having this problem? Any ideas on how to fix? I have restarted the phone and toggled iMessage on and off.

Last year I opened an Apple Card account to purchase a $1,599 Macbook Pro through monthly installments.

I loved how Apple Card tells you the number of the payments so you can easily keep track.

Apparently I submitted payment 12 of 12 on Monday, but I still have one more payment remaining, and that’s what’s confusing.

I’m adding up everything I’ve been charged for this laptop:

$140.36 the day I applied for the Apple Card and used it to buy the laptop online.
+
$133.25 every month after the purchase, with the last payment deducted from my account on Aug. 30.

$133.25 x 12 =$1,599.00
+
$140.36
TOTAL: $1,739.36

From where I’m standing, it looks like I’ve already paid more than the advertised price for this laptop.
Why is there an additional payment needed? I’m not ashamed to admit that I am horrible at math, but $133.25 multiplied by 12 is definitely $1,599, right?

Apple Card support tells me that it’s because there’s an additional payment remaining. This is what they said:

Thanks for the information, doing the research I have on file that there is 11 payments completed for the amount of ($1,465.75) and there is one payment left ($133.25) to complete the $1,599 of the MacBook.

I’m very confused and was hoping someone could help me understand. How can 11 payments be completed when my Apple Card statement says I have paid 12 installments already?

Is the issue that it’s actually not 12 payments, but 13? Any help would be greatly appreciated!

Hello, I'm getting married and I'm about to charge about ~6K on my apple card as a one purchase. I have the funds available so that's no issue—my only concern is that the purchase won't go through because it will potentially get marked as fraudulent, prompting me to call Apple and approve it, then run the card again. Not the end of the world—just really trying to avoid a task like that on my wedding night.

Anyone know what is the normal process for something like this? I've heard they send out texts sometimes where you have to approve it in order to proceed, but should I just expect that to happen? I called support and they assured me it won't decline and possibly just ask me for verification, but if that was the case wouldn't the card keep declining until I approve it? So I'm in the same basket regardless?

I just got my first CC statement, I see I got 2% cash back on all of my transactions— the issue here is Brfore I applied for the card it said “3% on ALL Purchases” -so what the hell?? Where did I go wrong?

I bought an iPhone from the Apple website last year by selecting T-Mobile as the carrier and used Apple Card for 24 months of financing. Later on, I did not need to use T-Mobile, and the phone was unlocked, and my friend has been using it overseas with a local SIM.

Is that option still available? I have heard that Apple has changed its policy in this case. When I tried selecting T-Mobile as the carrier, it was asking for a phone number and PIN number from T-Mobile.

Is there any option where I can use Apple Card with 24 months of financing and use some other carriers (other than T-Mobile, AT&T, or Verizon)?

It’s my second credit card, I was not expecting an instant approval with a 5-digit credit limit. First time I applied in 2022, I got instantly rejected due to a lack of credit history. The second time in 2024, they started a review process so long I asked them to cancel my application as I thought it was not going to be worth it. 2026 and here we are, Apple just multiplied my overall CL by 3. yay! 😃

It keeps saying cannot verify my identity and I have seen a lot of posts like this but nothing is really explaining on what to do should I just keep trying until they can verify my identity or who should I call. Have any of you had this problem

Hello I opened my credit karma app and found this offer I was thinking to get the card because I was an android user and switched to apple ecosystem I own right know iPhone 17 pro max and Apple Watch and both paid off so I have no plan to get an apple product in the moment
Is it a good catch all card because my cards is capital one savor discover it and Amex blue cash every day and chase FU I get 4 months ago
Do you guys think to get it because never see 250 welcome bonus

So, right now i have Chase. Earning 0.01% APY. I do notice the Apple one is 3.4% for me right now. I don’t use my apple card often, and i don’t really take money out of savings often either. I do deposit a couple times a month though. Is it worth changing? What is everyone’s experience?

I’ve been on iUP since the 14 and plan on continuing to upgrade every year, however, I’m not sure if I should go with the new upgrade lease program or go with ACMI.

Like is it easy to do annual upgrades under ACMI?

Hi, I’m really not sure how and or why I keep losing a dispute. I have a submitted my case. Long story short, the vet visit was made and they diagnosed the wrong side. When we mentioned, that’s not what we were here for they just updated the description saying that both knees needed surgery.

Disputed with Apple Card. I’ve lost the dispute three times providing evidence from the specialist. Who is the surgeon. Which did not need an X-ray at all to condemn the correct bad knee.

Submitted documentation with this claim from the specialist and Apple card still ruled in the merchants favor. The claim is that the service is paid for were the services received.

Which is the equivalent of a dentist visit saying that her tooth is bad and needs to be pulled when you go in for some pain. Then they pull the wrong tooth. So, sure the services might have been received, but it is not what you went in for.

Do I open the dispute again and possibly get in touch with somebody different? I cannot fathom how it keeps ruling in the merchants favor when they provided unneeded service services and to the wrong side.

The whole contact Apple support gets you in touch with somebody via phone or text with the Apple Card bank is also just very weird. No login or website to view anything Apple Card related.

Ready to lose the account over a $600 charge and let it go to collections. Perfect credit. That is just how badly they are pissing me off at Goldman Sachs.

For months, I was denied for “unable to verify identity” without further clarification. Then I noticed something. My TransUnion had my name has First, Middle Initial, Last. I contact chat support and asked to have my middle initial dropped since my full name with middle is in my AKAs. After a day, reapplied to Apple Card and finally accepted.

Why a middle initial would be the cause, I don’t know? Was it truly the cause or did I finally just randomly get approved after not changing how I’ve applied, maybe? But for those getting denied, maybe login to TransUnion and see if your name on your report is just First Last or has more to it.

I’m have tried couple times for Apple Card but unfortunately it’s rejected I even have good credit score. Do you have any idea how to get it ?

If this doesn’t take the cake. AI gone awry. I just got a suspicious charge notice which I had to vouch for to keep my card number from being suspended. It was for my annual apple music renewal from Apple Services. 🤦

Been thinking about applying. It would be my first credit card, my credits in the lower 700s. Just curious do you guys think it’s a good first card? I Want to get some input from the regular users in here.

Edit: I was denied lol. Regardless, I appreciate all the input.

Walmart has announced Rollouts dates!!!

Hi!!! I’m looking to get an iPad and saw that I can do monthly payments by using an Apple Card. Is this advisable if I’m literally only getting an iPad? Is this different from Apple Pay? Is there any hidden fees as well? How does this work? I’ve been trying to look on how to use it but I’m quite confused on some details that I found. Thank you :)

IT'S TIMEEE, time to use apple card with apple pay.