How to request a credit limit increase on your Apple Card
You can request a credit limit increase on your Apple Card through the Wallet app on your iPhone, or by calling Goldman Sachs at the number on the back of your card. The process takes a few minutes, and you'll usually get a decision within seconds or a few days. Goldman Sachs, the bank that issues the Apple Card, will look at your payment history, credit score, and how long you've had the card before deciding whether to increase your limit.
A credit limit increase means you can charge more to the card before hitting your maximum. It doesn't happen automatically — you have to ask for it. The bank won't increase your limit just because time has passed or your income has changed; they need you to make the request first.
Key Takeaways
- You can request a limit increase through the Wallet app by tapping your card, selecting Account, and choosing the option to request an increase.
- You can also call Goldman Sachs directly at the number on the back of your card to request an increase by phone.
- Goldman Sachs will review your account history and credit profile; some decisions come back when ready, while others take a few business days.
- A hard inquiry (which temporarily lowers your credit score slightly) may or may not happen depending on how you request the increase and Goldman Sachs' review process.
- If your request is denied, you can try again after a few months of on-time payments or wait until your circumstances improve.
Requesting through the Wallet app on iPhone
Open the Wallet app and tap your Apple Card. Scroll down and look for an option that says "Request Credit Limit Increase" or similar language — the exact wording may vary depending on your app version. Tap it, and you'll see your current limit and be prompted to enter a new amount you'd like to request.
Enter the new limit you want and review the information on screen. The app will show you what Goldman Sachs will review: your current payment history, account age, and credit profile. Tap to confirm your request. You should see a decision on screen when ready, or you may see a message saying Goldman Sachs will review your request and contact you within a few business days.
This in-app method is the fastest route for most cardholders. Decisions often come back within seconds if Goldman Sachs can make a quick information based on your existing account data.
Requesting by phone with Goldman Sachs
Call the number on the back of your Apple Card. A representative will answer and can process your request over the phone. Have your card handy and be ready to confirm your identity. Tell the representative you want to request a credit limit increase and mention the amount you're looking for.
The representative will review your account and may ask about your income, employment, or reason for the increase. They can often give you a decision on the call, though some requests may need additional review and you'll hear back within a few business days. Calling can be useful if you want to explain your situation in detail or if you prefer speaking to a person.
What Goldman Sachs looks at when reviewing your request
Goldman Sachs reviews several things before deciding: how consistently you've paid your bill on time, your current credit score, how long you've had the Apple Card, how much of your current limit you typically use, and your overall credit history with other lenders. They're looking for signs that you manage credit responsibly and can handle a higher limit without running into trouble.
If you've had late payments, high balances relative to your limit, or recent negative marks on your credit report, your request is more likely to be denied. If you've had the card for only a few months, Goldman Sachs may want to see more history before increasing your limit. Conversely, if you've consistently paid in full and on time, you're a stronger candidate.
Hard inquiry vs. soft inquiry: what happens to your credit score
When you request a credit limit increase, Goldman Sachs may perform a hard inquiry (also called a hard pull) on your credit report. A hard inquiry can lower your credit score by a few points temporarily, usually for a few months. However, Goldman Sachs may also review your request using only information they already have from your account, which would not trigger a hard inquiry.
The app-based request sometimes avoids a hard inquiry because Goldman Sachs can make a decision using your existing account data. Phone requests may be more likely to include a hard inquiry, though this varies. If you're concerned about the impact on your credit score, you can ask the representative on the phone whether a hard inquiry will occur before you proceed.
What to do if your request is denied
If Goldman Sachs denies your request, you'll receive a reason — usually something like "insufficient account history," "recent late payment," or "credit score too low." This doesn't mean you can never get an increase; it means now is not the right time.
Wait at least a few months before requesting again. Use that time to pay your bill on time every month, keep your balance low relative to your limit, and let any negative marks on your credit report age. If your credit score has improved or your income has increased, mention that when you request again. You can request as often as you want, but Goldman Sachs is unlikely to reconsider a recent denial without a change in your circumstances.
How long the increase takes to show up
If your request is approved when ready through the app, your new limit usually shows up in your account within minutes. If Goldman Sachs tells you they need a few business days to review, they'll contact you with a decision, and the increase will post to your account once approved.
You don't need to do anything after approval — the new limit is automatically active. You can start using it right away once it appears in your account.
Frequently Asked Questions
Will requesting a credit limit increase hurt my credit score?
It may lower your score slightly if Goldman Sachs performs a hard inquiry, which can happen with either the app or phone request. The impact is usually small (a few points) and temporary (a few months). However, a hard inquiry is not may provide — Goldman Sachs may review your request without one.
How often can I request a credit limit increase?
You can request as often as you want, but Goldman Sachs is unlikely to approve requests that come too close together. If you were just denied, wait at least a few months and show a pattern of on-time payments before requesting again. Some cardholders find success requesting every six months or once a year.
What if I don't see the request option in my Wallet app?
The option may not appear if you're not yet may be able to access (for example, if your account is very new) or if your app needs an update. Try updating the Wallet app through the App Store. If the option still doesn't appear, call Goldman Sachs directly — they can process your request over the phone.
Can I request a specific amount, or does Goldman Sachs decide the increase?
You can request a specific amount through the app or tell the representative on the phone what you'd like. Goldman Sachs may approve your exact request, approve a smaller increase, or deny it. They won't increase your limit beyond what you request.
Does the Apple Card have a maximum credit limit?
Goldman Sachs does not publicly state a maximum limit for the Apple Card. Your limit depends on your creditworthiness and Goldman Sachs' internal policies. If you request an amount that's unusually high relative to your income or credit profile, they may approve a smaller increase or deny the request.