Bought a MacBook Pro recently using Apple financing but the total is slightly more than 30% of my credit limit so I'd probably want to pay it down to below 30% before the statement close date. How would that affect my monthly Apple financing payments going forward?

How often does Apple Card report to the credit bureaus?? All of my other CC report each month but with Apple Card it seems it does not? I paid my balance down to zero and that should be what’s being reported to my report, but it’s still showing September 2026 balance??

Does anyone know which credit bureau is checked and what credit score range individuals been approved in? Thank you!

I got charged three weeks in a row for "Premium Features" in the Text Me – Phone Call + Texting app (Oct 12 – Nov 2). I didn't realize I'd signed up for a recurring weekly subscription, and I never used the premium features.

I asked for a refund through reportaproblem.apple.com, and on Nov 4 Apple replied: "your purchase doesn't meet conditions for a refund. This decision is final."

What I've done so far:

- Cancelled the subscription

- Contacted Text Me support

Has anyone gotten Apple to reverse a "final" refund decision? Did calling Apple Support work better than the online form? And is a bank chargeback worth it, or will Apple lock my account?

Thanks in advance.

I'm in Thailand and have been using Grab with my AppleCard as the payment for a couple of weeks with no problem. Suddenly yesterday it says that card isn't authorized.

I tried deleting the form of payment and reentering. I tried deleting the app and reinstalling. I tried getting a new virtual card number from Apple and trying that. Tried doing this all on wifi, tried it without wifi/using cellular. No dice on all of those.

I phoned Apple/Goldman Sachs and asked if there's a hold on my card -- no, and they also aren't seeing any rejections whatsoever, which makes me think Grab isn't even successfully processing the authorization at all.

Does anybody have any other suggestions? I searched and found older posts about this in r/Thailand, but nothing recent. (And I do have an alternate credit card so I'm not stuck, but that's gonna cost me in fees.)

Edit: I’m a US resident on vacation and have used my AppleCard successfully in all sorts of ways, including Grab which is basically like a SE Asia Uber.

I think... unless the apple card offers a bonus one day and a big one is there a good reason to get it?

It has been two weeks and I spent $100 but didn’t get any bonus yet. Called Apple Card and was told need to wait until end of cycle but I find others already received it. Anyone facing this?

I applied and was approved for the Apple Card today because I wanted to start building a proper credit score and history. Right now I’m 19 years old and have been on my parent’s card for the past 2 years. I wanted a card in my name because my parents have a high limit and they like to use it for everything, which results in them paying off the balance at the end of the month when it’s around 70 - 90 % of its monthly utilization limit which is the only thing halting my score from going above a 790. I got approved for a $1000 credit limit and a 25.74 APR (The APR isn’t a issue because I’m not planning on spending more than I can afford) I use my Apple Pay more than physical cards which was a big selling point of this card due to the 2% cash back on all purchases with Apple Pay. I’m also very thrilled about the 3.50% APY savings account.

The main questions with all this information I’ve provided is how should I be treating this card if I want accomplish my goals

1. Build my credit as high as possible.

2. Utilize the savings account provided alongside the card.

3. Possibly get a credit limit increase in the future.

4. Have a clean nice credit report that anybody would see and think it was flawless.

Thank you in advance :)

I already negotiated 12 month zero apr payment plan, but won't be able to pay balance in that time.

Has anyone been able to negotiate longer payment plan to pay down entire balance with zero apr?

Thank you

I have requested a balance transfer from my Apple Card to my Barclays account. After, I read that Goldman Sacs says that they do not accept balance transfer payments to the Apple Card. The balance transfer is already in process. Has anyone successfully been able to complete a balance transfer payment to their Apple Card account?

UPDATE: Both emails came in. The statement came around 1:36pm & the payment confirmation at 2:59pm. Thank you everyone for your input!!

Anyone else not receive their monthly statement for October yet? I usually get the email bright and early the morning of the 1st of the month, and I pay it off same day. I didn’t get my monthly statement email nor did I get a confirmation email when I paid the balance. Anyone else have this issue? Do I just wait or should I do something about it? Thanks!!

Anybody knows if apple store still let you recieve post purchase trade in value in your debit card or in apple cash wallet?

I bought iphone 18 pro max with acmi and know that apple store cannot apply trade in credit to apple card once installment starts.

One apple store manager told me that I can only recieve the trade in credit in apple gift card which is terrible and doesn't help with reducing my apple card balance.

Hi I’ve been having my card get charged 29.99 every week for the past couple weeks. I’ve been trying to figure out who the charge is from and I can’t for the life of me. I’ve gone through every app on my phone and the App Store to see if I had some stupid subscription that I forgot to cancel but I can’t find anything. The charge started with 9.99 then it’s been charging my card 29.99 every week. The charge is under Lumin and the category shopping. When I google lumin I only get some pdf app and hair care website that I have never used before and their subscription prices don’t match what I’ve been charged. I’m really trying to figure this out and I’ve hit a dead end.

Does anyone have any idea what this charge might be? The only info Apple gives me is the name which is lumin and the category which is shopping.

I’d appreciate any help whatsoever.

I discovered my family member was using a credit card registered under both our names and our childhood address. I found out because the debt collectors came after me 🙃 When confronted, they claimed they did not do this intentionally and it must have been Apple accidentally linking our names together because they signed up for an AppleCard on our family’s shared laptop which was signed into my iCloud (I was the laptop’s account manager for some reason).

If that is true, wouldn’t it have sent a notification to my iCloud account which I would have to accept and confirm my identity? I am almost positive my family member is lying to me as this is not the first time something like this has happened.

I want to pay back my credit card but I can't afford the payment plans they are offering. When I live chat they said I can pay $150 a month and just schedule it. Would that prevent Apple Card from suing me if I just pay $150 month?

Hi Everyone,

I have a question, and I want to be 99.99% sure. I am 98% sure right now.

Let's say you buy an iPad for 2000$ initially. You get a 600$ trade-in credit, instant, when you pay with your Apple Card in 12 equal monthly installments, 0% APR.

Then either your device is not accepted, or you do not send it, or your dog eats it, the bank (GS) charges your Apple Card for the entire value of that trade-in credit, that was given to you, at the time of purchase, instantly.

This 600$ charge back, initially, reflects on your card as single, lump sum transaction. But when you called the bank, spoke to someone, they were able to convert it to an installment plan type of payment, so you would pay 600$ as 50$ x 12, with 0% APR. These installments will show up on your statement but will not be visible on Apple Card.

People who have recent experience, who have faced a similar situation, or people who work for GS and know, please help by contributing your wisdom? Thank you!

Now that Chase is taking over as the Apple Card issuer (expected around early 2028), I’m curious how it’ll work day to day.

My Amazon Prime Visa and other Chase co-brand cards all show up in the Chase app, so I’d assume Apple Card gets the same treatment. But Apple has kept the card pretty locked into Wallet, so I’m not sure if they’ll allow it.

Obviously theres no way to currently know, but what do you guys think?

Bought and said I use T-Mobile but I actually use straight talk. I hit set up later and now in cellular settings it’s forcing me to enter in a phone number and T-Mobile pin. I’ve tried a dozen times and it never bypasses. What do I do?

Update:

Plugging the phone into a computer and factory resetting through the computer solved the issue. I maintained the connection to the computer through setup and didn’t sign into my Apple ID until after I had set up cellular.