How to Get an Apple Card Credit Limit Increase | New Hacks

Find out if you may qualify for an Apple Card credit limit increase and learn what you can do to increase your chances of success. 

In today’s post, we’re going to talk about how you can go about getting an increased credit limit on your Apple Card from Goldman Sachs.

Apple launched its first credit card in August 2019, and as of early 2022, it had an estimated 6.7 million users. The Apple Card comes with a range of benefits, including no annual fee, and no foreign transaction fees.

You can request a credit limit increase online or over the phone. Some cardholders get

, but to qualify for an increased limit, you must have a good payment history and use your current credit responsibly.

There is no hard credit pull for credit limit increase requests, so you don’t have to worry about harming your credit score. If Goldman Sachs declines to raise your credit limit, you can always resubmit your request or apply for a new apple card account.

Let’s take a detailed look at how to get an Apple Card credit limit increase.

What is the Apple Card?

Have you ever wished you could use your iPhone to pay for everything? With the Apple Card, that dream can become a reality. The Apple Card is a credit card that can be used with Apple Pay on all of your Apple devices.

It’s available only in the United States right now, but it has 6.7 million American cardholders and counting.

So what makes the Apple Card so special?

  • For starters, it has some innovative security features that make it more secure than a traditional credit card.
  • It also has debt and spending management tools to help you stay on top of your finances.
  • And best of all, there are no annual fees.
  • Plus, the physical card is made of titanium and is completely numberless-which makes it pretty darn cool.

But there are some drawbacks to the Apple Card as well.

  • For example, the cashback rate is only 1% on purchases made outside of Apple or Apple Pay.
  • And of course, you need to have Apple hardware and Apple Pay to use it.

So if you’re not an Apple fan, this card probably isn’t for you. But if you are, then the Apple Card might just be the perfect way to pay for everything you need from groceries to gas to your monthly Netflix subscription.

How to request an Apple Card credit limit increase by App.

You can request an Apple card’s credit limit increase by following these steps:

1. Open the Wallet app on your iPhone.

2. Select the Apple Card.

3. Tap on the “More” icon.

4. Select the Message icon.

5. Type in your request and send it off to Goldman Sachs, the card’s issuer.

6.After you have submitted your request, a representative may ask you questions to determine if you are eligible. You can then ask whether the card issuer will do a new hard inquiry on your credit reports.

7. Goldman Sachs will then examine numerous factors to decide whether to approve your request.

8. If approved, you’ll receive an email notification letting you know that your new credit limit is available.

9. To view your new credit limit, open the Wallet app and select the Apple Card again. Your new card balance will be displayed under “Card Limits.”

If you have good credit and are looking for a way to increase your spending power, requesting an Apple Card limit increase is a great option.

By following the steps outlined above, you can easily submit a request for a credit limit increase and potentially get approved within minutes.

How to request an Apple Card credit limit increase by Phone.

If you’re not wild about requesting an increase on your credit limit via these digital methods, give the folks at Goldman Sachs a call. Customer service can be reached by calling (877) 255-5923.

When you connect with a customer service representative, they’ll likely ask for some information to verify your identity. Once they’ve done that, they’ll probably ask why you’re interested in increasing your credit limit.

Be honest but brief in your response; this isn’t the time to get into a long explanation of your financial history or circumstances. After you state your case, the customer service representative will let you know whether or not your request has been approved.

How to request a credit limit increase On your iPad:

If you’re an iPad user, you can follow these steps to request a credit limit increase on your Apple Card:

Open the Settings app and scroll down to the Wallet & Apple Pay section. Tap Apple Card, then tap on the Info tab. Here, you’ll see a Message button – tap on that to compose a new message to Customer Service. In your message, simply message requesting a credit limit increse and hit Send.

That’s all there is to it! If you have any questions or need assistance with this process, don’t hesitate to reach out to Apple Card Customer Service for help.

How many days will it take for my Apple Card credit limit increase to reflect?

Whenever you request a available credit increase from Goldman Sachs, the issuer of the Apple credit card, it’s never quite clear how long it will take for that increase to show up in your account.

Goldman Sachs may take up to 30 days to process your request, although you may sometimes receive a decision almost immediately.

If you need access to additional funds right away, you might be better off using a different credit card in the meantime. The good news is that there’s no hard and fast rule about how long it takes for a credit limit increase to go through – it could be just a few days, or it could take a month or more.

Ultimately, it all depends on how quickly Goldman Sachs can process your request. So if you’re considering asking for a credit limit increase, be sure to plan accordingly and give yourself enough time to find another source of funding if necessary.

Next Steps if Your Request for an Apple Card Credit Limit Increase Is Declined

You’ve been using your Apple Card for a while now and you’re happy with it. You’ve been paying your bills on time, keeping your balance low, and generally managing your money well. So when you decide to request increase on your apple card limit, you’re confident that you’ll be approved.

But then you get the email that your request is denied. Now what?

First of all, don’t panic: It’s not the end of the world if your request for a credit limit increase is declined. There are a few reasons why this might happen, and there are steps you can take to improve your chances of being approved the next time you apply.

Check your credit score : There could be an error that’s causing your request to be denied. If you find one, dispute it with the credit bureau.

Make sure you’re using your credit card regularly: If you don’t use your card often, the issuer may think you don’t need a higher limit.

Pay your bills on time and keep your balances low: Missed payments and high balances can hurt your credit score and make issuers hesitant to approve you for a higher limit.

Wait six months before reapplying: Some issuers may approve you for a higher limit if you wait a period before reapplying. This shows them that you’re using your credit responsibly and gives them time to see how you manage your account.

What is the requirement for an Apple Card credit limit increase?

Goldman Sachs, the issuer of the Apple Card, does not list any specific requirements for getting a credit limit increase on the Apple Card. However, Apple’s help pages note that Goldman Sachs evaluates credit limit increase requests using much of the same criteria it uses in making Apple Card approval decisions and setting your initial credit limit.

Below are the factors that may be considered when you request limit increase on your apple card’s:

  • How long you have been a cardholder
  • Your payment history
  • Your credit utilization
  • Whether you have requested a credit line increase recently

Generally speaking, you’re more likely to qualify for an Apple Card credit line increase if you pay your bills on time and use your card responsibly, have been a cardholder for six months or more, and haven’t recently requested a credit line increase.

What is the average credit limit on an Apple Card?

There is no set answer to this question as credit limits are determined individually based on Goldman Sachs’ evaluation of each applicant’s financial situation. However, some Apple Card holders have reported credit limits as high as $15,000.

Why You Should Consider Increasing Your Apple Card Limit?

With the release of the Apple Card, there has been a lot of discussion about credit limits and how to go about increasing your limit. The average credit limit for an Apple Card is $1500, which may not be enough for some people. If you are considering requesting a credit limit increase from your credit card issuer, here are 5 reasons why you should do it.

1. You’ll Earn More Cash Back

If you increase your Apple Card limit, you’ll be able to earn more cash back on your purchases. The Apple Card gives you 3% cash back on all purchases made with the card, so the more you spend, the more cash back you’ll earn. And since there’s no limit to how much cash back you can earn, increasing your spending limit is a great way to boost your earnings.

2. You’ll Have More Flexibility

Another reason to consider increasing your Apple Card limit is that it will give you more flexibility when it comes to making purchases. With a higher spending limit, you’ll be able to buy more expensive items without having to worry about going over your limit. This can be especially helpful if you have a large purchase that you want to make but don’t want to put on a credit card with a lower limit.

You Can Improve Your Credit Score

If you use your Apple Card responsibly and pay your balance in full each month, then increasing your spending limit can help to improve your credit score. This is because one of the factors that are used to calculate your credit score is your credit utilization ratio, which is the percentage of your credit limit that you’re using.

So, by increasing your credit limit and keeping your balance low, you can improve your credit score over time.

You Can Build Your Emergency Fund

If you have a higher credit limit, you’ll be able to charge more to your card in the event of an emergency. This can help you to avoid dipping into your savings account or taking out a loan to cover unexpected expenses.


Increasing your Apple Card limit can be a great way to earn more cashback, improve your credit score, and build your emergency fund. If you’re considering requesting a credit line increase, be sure to keep the above reasons in mind.

Hope this helps! 🙂

Why did my apple card credit limit increase?

Some credit card companies will periodically review your account and may automatically increase your credit limit if they determine that you can handle a higher limit based on your payment history and other factors. This can be helpful if you need to make a larger purchase or want to have a buffer in case of emergencies. If you don’t want your credit limit to increase, you can usually opt out of this feature.

Apple card credit limit increase hard pull?

The Apple Card credit limit increase is a hard pull, meaning that it will affect your credit score. If you’re considering increasing your credit limit, make sure you compare the pros and cons first.

Apple card credit limit increase 3 days?

Apple card credit limit increase 3 days?

It is possible to increase your credit limit on your Apple Card within 3 days, by following these steps:

1) On your iPhone, open the Wallet app and tap on your Apple Card.

2) Tap the three dots in the top right corner and select “Credit Limit” from the menu.

3) Tap on “Request a Credit Limit Increase” and fill out the form.

4) You will receive a decision within 3 days.

Does apple card credit limit increase affect credit score?

No, the credit limit on your Apple Card does not affect your credit score. Your credit score is determined by a number of factors, including your payment history, card application frequency, credit utilization, and length of credit history.

When does apple card credit limit increase?

There is no set time frame for when your credit limit will increase with the Apple Card. In general, credit limits are reviewed periodically and may increase based on your payment history and creditworthiness.

Does apple card give automatic credit limit increases?

Apple Card gives automatic credit limit increases to its users based on their spending and repayment patterns, card application. This helps users maintain a good credit score and improve their financial standing.

How often does apple card credit limit increase?

Apple card credit limit increases are typically processed once every 6 months. However, you may be able to request an increase more frequently if you have a history of responsible credit use. If you’re interested in requesting an increase, you can contact Apple customer service for more information.

Dhiraj Jha is a personal finance and credit card expert dedicated to providing valuable insights and advice on budgeting, saving, investing, and debt management.

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