How to request a credit limit increase for your Apple Card


If Apple Card is your choice, sometimes you may need a higher credit limit. Fortunately, the credit card company made it quick and easy to apply for an increase in the credit limit for the Apple card. Here, we’ll walk you through the easy-to-follow steps.

How to request additional credit on your Apple Card

When the JD Power 2021 US Credit Card Satisfaction Survey came out, Goldman Sachs ranked much higher than other midsize credit card issuers. The Apple Card is the only card issued by Goldman Sachs, and based on their JD Power rating, the company prides itself on customer satisfaction. Perhaps this is one of the reasons they made applying for a credit limit increase so simple. Here are three options.


If you have an Apple Card and are a dedicated user of Apple products, chances are you are pretty tech savvy. However, if you don’t like requesting a raise on your Apple card through iPhone or iPad, call the folks at Goldman Sachs. Customer service can be reached by calling (877) 255-5923.


Applying for an Apple card credit limit increase isn’t much easier than reaching for your iPhone. This is how it works:

  • Open the Wallet app
  • Tap Apple Card
  • Press the Plus button (the button with three horizontal dots)
  • Tap the Message button (it’s the one that looks a bit like a cartoon thought bubble)
  • Type a message requesting a credit increase
  • Press the Send button (the arrow pointing up)


You can also apply for a credit limit increase using your iPad. Here’s how:

  • Open the Settings app
  • Scroll down and tap on Wallet and Apple Pay
  • Tap Apple Card
  • Tap the Info tab
  • Press the Message button
  • Type a message requesting an upper limit
  • Press the send button

And after?

Goldman Sachs will take a fresh look at your credit history (which may include a credit check). This time, he’ll pay close attention to your Apple Card customer history. According to the Goldman Sachs website, you will need at least six months of payment history from your Apple Card as agreed.

While Goldman Sachs doesn’t explicitly say what it’s looking for when reviewing your application, a quick glance at the eligibility requirements for opening an Apple Card account offers some insight. In short, meeting these criteria will improve your chances of increasing your credit limit:

  • You have been using the Apple Card for at least six months.
  • You paid for your Apple Card on time each month and kept your overall credit usage rate low. “Credit Usage Rate” refers to the percentage of your available credit that you are using. Let’s say you have three credit cards, each with a credit limit of $ 5,000. When a company (like Goldman Sachs) checks your creditworthiness, it gets a little nervous if your cards are charged at maximum.
  • You are not in the habit of asking for an increase in your credit card limit.
  • Nothing of note has happened to your credit score since you filed your initial Apple Card application. If a quick check indicates that your credit score has plunged, Goldman Sachs may have reason to worry that an increase in the Apple card limit will make it difficult to manage your finances.

Focus on your credit score

The past two years have been difficult for everyone, and some people who once had a lot of money in their bank account have started to wonder where they would find the daily money to pay their bills. If Goldman Sachs denies your request to increase your credit limit, it may be due to a drop in your credit score.

Building a great credit score can take years and is always a long-term goal. In the short term, however, these steps should help you see improvement.

Go over your credit report with a fine tooth comb

You have the right to request a free copy of your credit report from the three major credit bureaus once a year. Once you have a copy from each agency, comb through it. Looking for mistakes. For example, if you see a debt that has never been yours, it is a mistake and it could lower your credit score. If you’ve paid off a debt in full and your credit report still shows a balance, that’s another mistake that could lower your credit score.

Litigation errors

It is much easier to dispute errors on your credit report than before. It’s as easy as going to the credit reporting agency’s website and using their online portal to let them know that your report contains an error. According to the Fair Credit Reporting Act, the agency has 30 to 45 days to investigate your claim and an additional five days to notify you of the results of its investigation.

Refund balances

The credit utilization rate (also known as “Amounts Due”) represents 30% of your total credit score. The higher your balances, the higher your utilization rate. Reduce your debt, starting with credit card debt. The goal is to only use a small percentage of your available credit.

Considering that the average credit card limit in the United States in 2019 (for all cards held by a single person) was $ 31,015, it’s easy to see how keeping balances low can increase l use of credit.

Keep old credit cards open

As tempting as it may be to cut and cancel credit cards that made you spend more than you should, don’t. If you can get by without using the credit available on these cards, it lowers your credit utilization rate. As far as the credit card issuer can see, you have all of this credit but choose to use a small percentage of it. If you’re worried that you might be tempted to remove the cards and use them, give them to a friend or family member to keep them safe.

Make all payments on time

No matter what happens, strive to receive payments on time. It is a habit that slowly but steadily builds your credit score.

Maintain a mixture

Your “credit mix” is worth 10% of your credit score. A good credit mix means there is more than one thing in your credit portfolio. That is, if the only credit you had were four car payments or four credit cards, a creditor would wonder if you are able to handle different types of credit. Show them you are by mixing up your debts.

Of course, your credit score may already be in great shape. If so, good job! Now all you have to do is wait for Goldman Sachs to return and continue your good credit habits. And the next time you apply for a credit card, you’ll be in great shape to apply for the high credit limit card you’re looking for.


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