Apple on the decline

If your payment method is declined in the App Store or iTunes Store

If you can’t make purchases or update your apps, including free apps, there might be a problem with your payment method. To fix this, add a new payment method or update your payment information.

If a payment method can’t be charged

1. Use your device to check your payment information. You might see red text that explains why the payment method can’t be charged.
   
2. If your card was declined, add a new payment method or update your payment information. You can add multiple payment methods to your Apple ID.
3. Your payment method will be charged for the unpaid balance. Then you can make other purchases and update your apps, including free apps.

If you use Family Sharing and Purchase Sharing is turned on, the family organizer must update their billing information or add a new payment method. If you’re not the family organizer, you can’t change the payment method.

If you see an unexpected charge

You can request a refund* for a purchase that you don’t recognize, but you must pay for the purchase first. You can also cancel a subscription if you don’t want to continue it.

*You must request the refund within the refund period. Refunds are not guaranteed. For more information, see the Terms & Conditions.

Get more help

• If you disputed a charge from the App Store or iTunes Store, contact your financial institution again to authorize that charge and future purchases from the App Store or iTunes Store.
• If you’re outside of the United States, you might need to contact your financial institution to allow international purchases.
• In some countries and regions, your payment method might be declined because of changes to local law. Learn about billing and purchases in Europe or what to do if your card is declined in India.
• If you still need help, contact Apple Support.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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How to Decline a Call When the iPhone is Locked

You have probably noticed that when you get an incoming call, there are times when you see the Decline button, and at times the Decline button is missing.

When you see the Decline button, it is quite easy to decline the call. However, the lack of the Decline button tends to cause a confusion and for some users very annoying.

So the first thing you need to understand is the conditions when the Decline button is available, and when it is not available. The Decline button is available only when the iPhone is unlocked. If the iPhone is locked, you see Slide to Answer button to accept the call, Remind Me button to set a reminder to call the person back and Message button to send a message to the caller instead of accepting the call. Whereas, when the iPhone is unlocked, you see the Decline and the Accept buttons along with the Remind Me and Message buttons.

How to Decline a Call When The iPhone is Unlocked

This is quite straightforward. When the iPhone is unlocked, you can tap on the Decline button as you can see above to decline the call.

How to Decline a Call When The iPhone is Locked

When the iPhone is locked, pressing the Side button on iPhone X, iPhone 8 and iPhone 8 Plus or Sleep/Wake/Power button in iPhone 7 or earlier models on the right side, will silence the call.

To decline the call, you need to press the Side button again. Alternatively, you can decline the call by pressing the Side or Sleep/Wake/Power button twice.

How to Decline a Call On the iPhone With EarPods

You can decline a call on the iPhone with EarPods by pressing and holding the center button (also called clicker) for 2 seconds.

Unlike EadPods, there is no option to decline a call on the iPhone using AirPods.

How to Decline a Call on the iPhone With Apple Watch

You can decline a call on the Apple Watch by tapping on the red decline button on the Apple Watch Phone app.

Why Did Apple Not Provide a Decline Button For Incoming Calls on the iPhone Lock Screen

The lack of the decline button on the Lock screen annoys a lot of users. However, there is a good reason why Apple didn’t use the same interface for incoming calls when the iPhone is locked and when the iPhone is unlocked. The assumption is that when the iPhone is locked, it is most probably in your pocket, so the Accept and Decline buttons would have resulted in accidentally answering or declining calls. The Slide to Answer button ensures that you don’t accidentally answer or decline a call.

When the iPhone is unlocked, Apple assumes that you are actively using the device, so they have provided the Accept and Decline buttons as the chances of you accidentally tapping on them are much lower.

But the little-known trick is that you can decline the calls on the iPhone Lock screen very easily by pressing the Side button twice on iPhone X, iPhone 8 and iPhone 8 Plus or Sleep/Wake/Power button in iPhone 7 or earlier models.

Do you find the lack of the Decline button for incoming calls on the iPhone lock screen annoying? Let us know in the comments.

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How your Apple Card application is evaluated

Learn about the key criteria used to determine whether your Apple Card application is approved or declined.

Goldman Sachs 1 uses your credit score, your credit report (including your current debt obligations), 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 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. This may impact your credit score. If your application is declined or you reject your offer, your credit score isn’t impacted by the soft inquiry associated with your application.

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

If you’re combining accounts for Apple Card Family, some of the credit factors mentioned above may be considered for both co-owners when evaluating a combined credit limit for a co-owned Apple Card. 2

Personal finance companies, like Credit Karma, might display various credit scores, like TransUnion VantageScore. While these scores can be informative, if they’re not the FICO score that’s used for your Apple Card application, they may not be as predictive of your approval.

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

Requirements to get Apple Card

To get Apple Card, you must meet these requirements:

• Be 18 years or older, depending on where you live.
• Be a U.S. citizen or a lawful U.S. resident with a U.S. residential address that isn’t a P.O. Box. You can also use a military address.
• Use two-factor authentication with your Apple ID.
• Sign in to iCloud with your Apple ID. 3
• If you have a freeze on your credit report, you need to temporarily lift the freeze before you apply for Apple Card. Learn how to lift your credit freeze with TransUnion.
• You might need to verify your identity with a Driver license or State-issued Photo ID.

Conditions that might cause your application to be declined

When assessing your ability to pay back debt, Goldman Sachs 1 looks at multiple conditions before making a decision on your Apple Card application.

If any of the following conditions apply, Goldman Sachs might not be able to approve your Apple Card application.

If you’re behind on debt obligations 4 or have previously been behind

• You are currently past due or have recently been past due on a debt obligation.
• Your checking account was closed by a bank (for example, due to repeatedly spending more than your available account balance).
• You have two or more non-medical debt obligations that are recently past due.

If you have negative public records

• A tax lien was placed on your assets (for example, due to a failure to pay sufficient taxes on time).
• A judgement was passed against you (for example, as a result of litigation).
• You have had a recent bankruptcy.
• Your property has been recently repossessed.

If you’re heavily in debt or your income is insufficient to make debt payments

• You don’t have sufficient disposable income after you pay existing debt obligations.
• Your debt obligations represent a high percentage of your monthly income (for example, your unsecured debt obligations, such as loans that aren’t backed by collateral, are 50% or more of your total income).
• You have fully utilized all of your credit card lines in the last three months and have recently opened a significant amount of new credit accounts.

If you frequently apply for credit cards or loans

• You have a high number of recent applications for credit.

If your credit score is low

Goldman Sachs uses TransUnion and other credit bureaus to evaluate your Apple Card application. If your credit score is low (for example, if your FICO9 score is lower than 600), 4 Goldman Sachs might not be able to approve your Apple Card application.

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Decline in iPhone sales leads to first revenue decline in 13 years for Apple

Much of the falloff is attributable to the stuggling Chinese economy, still the second-largest market in the world for Apple products behind the US

The company had warned investors to brace for impact. Photograph: Joe Raedle/Getty Images

The company had warned investors to brace for impact. Photograph: Joe Raedle/Getty Images

First published on Tue 26 Apr 2016 22.16 BST

Apple shares dropped on Tuesday afternoon after the company reported a nearly 13% fall in quarterly sales, the first time revenue at the world’s most valuable publicly traded company has declined in 13 years.

As of publication time, shares were down more than 7% without appearing to hit bottom. Revenue was predicted by Apple itself to fall between $50bn and $53bn – it came in on the low end of that range, with a final tally of $50.6bn, a 13% drop.

Apple said the decline would continue, predicting revenue between $41bn and $43bn for the June quarter.

The company had warned investors to brace for impact. The iPhone accounts for nearly two-thirds of Apple’s revenue and the company sold 16% fewer iPhones than it had during the same period in 2015, and made 18% less money from them. The total tally for the device was $32.9bn from 51.2m phones sold; the year previous Apple brought in $40.3bn from 61.2m phones.

“Despite the pause in our growth, our results reflect excellent execution by our team despite strong macroeconomic headwinds in most of the world,” said Tim Cook, Apple’s CEO.

Much of the falloff was attributable to the struggling Chinese economy. The nation’s consumer technology sector is in flux, as is the yuan. Still the second-largest market in the world for Apple products behind the US, the Chinese segment of Apple’s dismal report declined by more than a quarter of its value. The business made $18.4bn in China in the second quarter of 2015; in the previous three months it made $12.5bn.

Annette Zimmerman, research director at tech research and advisory company Gartner, wrote last month that the problem was not Apple’s alone, pointing out that the entry price of a smartphone in the developing world was still a barrier, even among very inexpensive devices.

“Vendors were not able to reduce the price of a ‘good enough to use’ smartphone lower than $50,” Gartner wrote.

Apple CEO Tim Cook spoke of ‘strong macroeconomic headwinds’ but still said ‘the future is bright’. Photograph: Justin Sullivan/Getty Images

Earnings were released around 4.25pm ET, when Apple shares hovered around $104 a share. Half an hour later, the stock price had declined 7.8% to under $97 and falling.

Despite the sales decrease and warning about its growth, Cook said “the future of Apple is very bright” and promised that the company has some “amazing innovations” in the pipeline. One of those new products should be the iPhone 7 which, based on rumors from Apple’s supply chain, could have a new kind of headphone port, be dust-proof and waterproof, and may even have a totally redesigned home button.

It is the first time Apple’s sales have fallen since 2003. Back then, the iPhone didn’t exist. Apple was still selling Power Mac computers and had sold only 600,000 iPods. It was the year iTunes was launched, which revolutionized the music business.

The iPhone came out in 2007, followed by the iPad, and both were constantly updated with new, much-anticipated iterations which sold in their hundreds of millions around the world, sending the company’s sales to ever higher levels.

A year ago Apple sold $58bn of gadgets – or nearly $650m a day – in the first three months of the year. Two-thirds of that revenue came from iPhones and sales were powered by the new iPhone 6.

Apple’s chief financial officer Luca Maestri said it was difficult for the company to match sales it achieved with the launch of the new larger version. “The iPhone 6 is an anomaly, and so it creates a very difficult comparison for us,” he said.

Questions are being asked about whether 2015 will turn out to have been the year of “peak iPhone”.

Some analysts believe the sales reverse is because of the soaraway success of the iPhone 6 and its bigger stablemate, the 6 Plus.

With screens measuring 4.7 and 5.5 inches, the two phones, launched in September 2014, were the largest the company had ever released. The 6 Plus was Apple’s first foray into the world of so-called “phablets”: hybrid devices, smaller than a tablet but larger than a conventional smartphone, which had proved particularly popular in Asian markets.

They were a huge success, with the two models selling 4m in their first 24 hours. Last September Apple pushed the bar even higher, with the launch of the iPhone 6S. But keeping up the pace of sales was always going to be a big ask.

The phenomenally successful iPhone 6: will 2015 have been the year of ‘peak iPhone’? Photograph: Michaela Rehle/Reuters

Cook gave the the first hints of a downturn back in January. He blamed the phenomenal success of the initial iPhone 6, which has been so popular it sold out, forcing some customers to delay their purchases. That artificially boosted sales in the next quarter, making it harder to keep on breaking records.

Morningstar analyst Brian Colello, however, reckons the latest iPhone just isn’t very exciting. “Fewer customers had incentive to trade up for the latest iPhone this year if they bought an iPhone 6 just over a year ago.”

Apple has been the master of invention, but real innovation is now proving tough. The Apple watch, its first new product without co-founder Steve Jobs at the helm, has been underwhelming. Apple won’t release sales figures for the device, instead lumping it together with the Apple TV, iPod and accessories. Combined, that entire category is less than a tenth the size of the iPhone.

Analyst John Kirk, of Techpinions, said: “Those impatient for Apple to reinvent the world on an annual basis simply ignore the reality that iteration on existing tech products is the norm and significant change is the rare exception.”

But Apple does have big projects under way. It’s probably the worst-kept secret in Silicon Valley that the company is working on an electric car, poaching engineers from Tesla and scouting for test locations in California. And it’s also been hiring engineers and filing patents that also suggest it’s working on a virtual reality device of some sort.

In the meantime it is still piling up cash. It now has a cash mountain of $233bn, more than all the foreign currency reserves across the world and more than the Czech Republic, Peru and New Zealand make in gross domestic product (GDP) a year.

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