If you are accepted into the Path to Apple Card program, you may obtain a customized checklist of steps that should be accomplished primarily based on why you had been declined. While these steps range from individual to individual, it usually boils down to 3 easy issues — make your required funds on time, decrease your bank card and private mortgage debt, and resolve late balances. Doing this will provide you with a 14-day window to reapply with the Path to Apple Card program; when you miss this window, you may nonetheless have the ability to reapply however you could not have any of the steps you accomplished throughout it thought of.

Filing for chapter, a charge-off, getting your car repossessed, having your own home go into foreclosures, or having an account go into collections will all finish your Path to Apple Card eligibility. To put it merely, when you’re making sufficient cash that permits you to pay your payments on time and you have no huge crimson flags present up in a credit score verify, your probabilities of being authorized a exponentially greater than any individual who would not meet that standards.