The apple on the path

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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About Path to Apple Card

Learn about the Path to Apple Card program, and see what’s involved to complete your personalized steps and reapply for Apple Card.

About the program

The Path to Apple Card program provides customized steps to help you get approved for Apple Card in the future. These steps are designed to improve your financial health by improving your access to credit.

If your Apple Card application was declined, you might receive an opportunity to enroll in Path to Apple Card if Goldman Sachs determines that you could meet the requirements for approval after you complete the steps in your program. The program provides customized steps to help you get approved for Apple Card in the future. If you successfully complete the program, you will receive an invitation to reapply for Apple Card that’s good for 14 days. 1

The monthly credit review required for the program doesn’t negatively impact your credit score.

How to finish your personalized steps

If your Apple Card application was declined and you received an invitation to enroll in Path to Apple Card, you will be asked to complete personalized steps like the ones below. These are designed to improve your financial health by improving your access to credit.

Make all of your required payments on time

To complete this step, regularly make on-time payments on your loans and lines of credit to keep your accounts in good standing. This excludes medical debt. It also excludes any payment where you’ve agreed with the lender to suspend all payments for a period of time due to hardship. Your required payments must be reported as paid on your credit report until the date that you complete the program.

To help ensure that you make all of your required payments on time, you can set up autopay. When you don’t make timely minimum payments on credit cards or loans, it can be reported as a negative event to credit bureaus. This puts your account in delinquency and lowers your credit rating.

If you’re a few days late on a required payment, contact your lender immediately to see if making a payment will avoid past due or late credit reporting to the credit bureaus.

Lower your credit card and personal loan debt

To complete this step, pay any unpaid balances on credit cards, personal loans, or installment loans. If your credit report shows that your debt is at or below your personalized goal when you complete your program, this step is satisfied. This step excludes accounts that are secured by an asset, like a car, home, or cash deposit, but includes secured credit card accounts. It also excludes medical and student loan debt. Depending on your circumstances, you might want to pay down debt with high interest rates or fees first.

Potential lenders consider your total credit card and personal debt compared to your annual income or other available assets. This can help determine your ability to take on more debt and still make required monthly payments. When you lower your total credit and unsecured debt, it gives credit lenders a sense of your ability to make minimum payments. This can help you to meet the approval requirements for additional credit.

Resolve your past-due balances

To complete this step, pay any loans or lines of credit that are past due as quickly as possible. This includes car loans, student loans, and mortgages.

The more past due an account is, the greater the negative impact it can have on your credit report and credit score. If you have an account that’s 30 days past due, prevent it from going 60 days past due. If you have an account that’s 60 days past due, prevent it from going 90 days past due.

For balances that were reported as charged off before you began the Path to Apple Card program, you have until the end of the program completion date to address it. You can either pay it off or talk with your lender about options for addressing past due balances on your credit report.

Avoid events that could negatively affect your credit profile

If you incur any of these negative credit events, your participation in Path to Apple Card will end:

• Bankruptcy
• Foreclosure
• A new charge-off 2
• An account that goes to collections
• Repossession of a vehicle or other secured property

Reapply for Apple Card when you get an invitation

When you successfully complete the program, you will be invited to reapply for Apple Card.

If your monthly payment obligations increase or your income decreases during the program, it may impact whether your application is approved.

If you don’t reapply within 14 days of receiving your invite, Goldman Sachs may evaluate your application using the standard criteria instead of the Path to Apple Card program requirements. This could also impact whether your application is approved.

Reasons your Path to Apple Card program might end

• If you reapply for Apple Card and are approved

If you think your Apple ID has been compromised, learn what to do.

If you want to opt out

Path to Apple Card is an optional program. To opt out, tap the link in your latest Path to Apple Card email to chat with an Apple Card Specialist.

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Question: Q: Text on path

I came looking for answers but offering a solution to my own question. No one has asked for quite some time, but as best I can tell, Pages is still primarily a word processing and page layout app, with some but not comprehensive art capabilities. As it should be I suppose.

Other than manually precisely placing each letter, I can’t find any way to do text on a path (other than a straight path ;-). If you know of another internal to Pages solution, please share.

After searching for a solution, I settled on Affinity Designer, which also happens to be an Apple Design Winner, AND is currently on covid pandemic sale. It is a complete graphics design tool. No subscription. Currently at $25 one-time fee for Mac and $10 for iPad. It’s an Adobe Monopoly buster. It’s a deal at full price so even if you come to this posting later, still, check it out. There is a 90-day full version free trial.

Posted on Feb 25, 2021 4:40 AM

But why? What are you adding here?

Note the comment, «No one has asked for quite some time. » at least in my search.

Top 10 results were 5-13 years old. Only one response spoke to the actual question, 5 years ago.

So, the topic is Text on a Path, hoping that will be found more easily, and be more current.

Regardless, I think it’s OK if something is asked and/or answered more than once, or one way; don’t you?

And info about the deal might be worthy of a new post as well. Yes?

Always worth considering if one is actually contributing anything helpful when responding, or just saying essentially, I already thought of, asked, and/or answered that.

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Question: Q: Spotlight no longer shows the path?

I just installed Lion yesterday and have had a few problems. This is one. In the past, hovering over an item found by Spotlight would reveal the path. This no longer seems to work. Instead, a pop up box gives some info about the file, but not the location! Help?

iMac, Mac OS X (10.7)

Posted on Jul 22, 2011 1:23 PM

All replies

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Sorry I can’t help on this one but just wanted to climb on board here as another Lion user who is experiencing the same problem: popup box with details about the file. but no file path. Hoping someone out there can help with this one!

Aug 1, 2011 7:28 AM

I don’t remember ever seeing it, but now we have some wild popouts! I guess they want us to go to finder now?

Aug 1, 2011 7:35 AM

Just press and hold down alt + cmd. You’ll see the path below the popup.

Aug 1, 2011 8:00 AM

Aug 1, 2011 8:57 AM

Is there a way to set the plist preferences so that it just shows up. I want to have it always show up with the quick look. It is stupid they took away this functionality.

I frequently have multiple versions of files with different paths.

Aug 2, 2011 3:50 PM

Excellent tip ragnu!

Aug 2, 2011 4:35 PM

Once you hover over the spotlight item just press command and hold it for a second or two it will give you the file name and swith then to the path of the item. Kinda stupid, that you need tpo press another button and then wait.

Aug 5, 2011 2:46 AM

Ok, I just learned that with Mac OS Lion the functionality of Spotlight has changed. If you want to see the path of the file you where searching for you have to …

Just press and hold down alt + cmd. You’ll see the path below the popup.

But how do I reveal that file in the finder? Just found out myself. You press and hold down alt — cmd and release the mouse. The finder window opens.

Aug 14, 2011 7:06 PM

When you type something in Spotlight, the very first link says ‘Show All in Finder’. Should bring up a window like below. You can then select a file and the file path will show at the bottom bar.

Note the bar at the bottom.

Sep 8, 2011 1:30 PM

Thanks a lot for clarifying this, ragnu! Having to wait four seconds every time I wanted to see a file’s path was about to drive me mad.

Oct 17, 2011 2:13 AM

No more path shown in spotlight. Yet another disappointment with Lion. I guess up there they don’t understand that one doesn’t necessarily just look for a file to see what’s in it, but one may also want to *quickly* find *where* it is. Sigh.

Nov 16, 2011 11:26 PM

Before you lament «another disappointment» with Lion, read the discussion above. There you will discover that it is easy to see the file path in Spotlight.

Nov 17, 2011 2:19 AM

Indeed there are ways to find the path information, but it needs an additional action other than mouse-over. The issue could be solved if one was able to enable showing the path by default below the popup.

Nov 17, 2011 2:23 AM

Alt-Command works for the path, but why not just show the path in the new pop-up without us having to take the extra step? It’s really unobtrusive with the light text. this would save a step. I have so many files, and use Spotlight a great deal, so this would save me time. thank you. I like that you can get a quick view of certain types of files in Spotlight now. That’s nice.

Jan 5, 2012 8:35 PM

The file path issue is another missed opportunity for Apple with Lion. Win 7 nailed it and allows the file path to work like bread crumbs to provide easy upward navigation and location-at-a-glance very elegantly. In Lion’s, Finder prefs>advanced tab there are only about 5 items. Why not have about 20 items (it’s the «advanced area»), including «display file paths»? The idea (as alluded to above) of copying in a file name, going to spotlight, pasting it, then using key commands to view a file path is really arcain.

I’m a long time Mac user but have been forced to use Win 7 at work. I am not a PC guy, windows just got it right on this issue, that’s all.

That said, I’ll change my view if someone can tell me, without 3rd party plugs or hacks, how I can simply view and copy a file path when it’s right in front of me? I’m curious to know.

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