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. Open Wallet, tap your Apple Card, then tap the three dots in the top right corner and select "Credit Limit." From there, you'll see your current limit and an option to request an increase. Apple will show you a new limit they're willing to offer (if any), and you can accept or decline it on the spot. The decision is usually when ready, though Apple may ask you to verify your identity or review your recent account activity first.
You don't need to call anyone or visit a website to make this request. The entire process happens inside the app, and Apple will tell you when ready whether they've approved a higher limit. If they decline, you can try again later — typically after three to six months of consistent on-time payments.
Key Takeaways
- Open Wallet, tap your Apple Card, select the menu icon, and choose "Credit Limit" to see your current limit and request an increase.
- Apple shows you a specific new limit offer in real time; you accept or decline it when ready without waiting for a decision.
- You may need to verify your identity or confirm recent account details before Apple processes your request.
- If Apple declines, wait at least three to six months of on-time payments before requesting again.
- Requesting a limit increase does not trigger a hard credit pull that affects your credit score.
What happens when you request an increase
When you tap "Credit Limit" in the Wallet app, Apple runs a soft inquiry into your credit file. This is not the same as a hard credit pull — it does not show up on your credit report and does not lower your credit score. Apple checks your payment history with them, your recent credit behavior, and your income information from your process to decide whether to offer you more credit.
If Apple decides to increase your limit, they show you the exact new amount they're offering. You see this number before you commit to anything. You can accept it right then, or decline and keep your current limit. There is no penalty for declining an offer — you can request again whenever you want.
If Apple declines to increase your limit, the app will tell you that too. They may suggest you try again later, or they may not give a specific reason. Either way, you can request another increase after a few months of continued on-time payments.
When to request an increase
The best time to request an increase is after you've had your Apple Card for at least three to six months and have made all your payments on time. Apple looks at your payment history with them specifically — they want to see that you're using the card responsibly and paying your full balance or at least your minimum payment by the due date every month.
If you've recently missed a payment, had a late payment, or maxed out your current limit, wait before requesting. Apple is less likely to increase your limit if they see recent signs of financial stress. Similarly, if you've just requested an increase and been declined, give it at least three months before trying again.
You can also request an increase if your income has gone up since you first applied for the card. If you've had a significant raise or change in employment, that's a good time to request, because Apple may factor your new income into their decision.
What to do if Apple declines your request
If Apple says no to your request, don't assume it's permanent. Credit decisions change as your financial situation improves. Make all your payments on time for the next three to six months, keep your card balances low (ideally below 30 percent of your limit), and then request again.
You can also try updating your income information in the Wallet app if your situation has changed. Go to your Apple Card settings, find the section for personal information, and update your annual income if it's increased. Then wait a few weeks and request an increase again.
If you're consistently declined and you believe your credit profile has improved, you may want to check your credit report for errors. You can get a free copy of your credit report from each of the three major bureaus (Equifax, Experian, and TransUnion) once per year at annualcreditreport.com. Errors on your report can hurt your chances of a limit increase.
How a credit limit increase affects your credit score
A higher credit limit can actually help your credit score over time, even though the request itself does not hurt it. Your credit score is partly based on your credit utilization ratio — the percentage of your available credit that you're currently using. If you have a $2,000 limit and a $1,000 balance, your utilization is 50 percent. If Apple increases your limit to $3,000 and your balance stays at $1,000, your utilization drops to 33 percent, which looks better to credit scoring models.
The key is not to increase your spending just because you have more available credit. If you request a limit increase and then when ready charge more to your card, you won't see the benefit. Keep your spending the same, and let the higher limit lower your utilization ratio naturally.
Requesting an increase through customer service
If you prefer not to use the Wallet app, you can also request a credit limit increase by calling Goldman Sachs, the bank that issues the Apple Card. The phone number is on the back of your physical card or in the Wallet app under "Support." When you call, have your card number ready and be prepared to verify your identity.
The phone process takes longer than the app — you may wait on hold and the decision may not be when ready. But if you're uncomfortable using the app or prefer to speak to a person, this is your option. The decision criteria are the same whether you request through the app or by phone.
Frequently Asked Questions
Does requesting a credit limit increase hurt my credit score?
No. Apple uses a soft inquiry, which does not appear on your credit report and does not lower your score. Only hard inquiries (which happen when you explore for new credit) can temporarily affect your score. Requesting a limit increase through the Wallet app has no impact on your credit.
How often can I request a credit limit increase?
You can request as often as you want, but Apple is unlikely to approve frequent requests. If you're declined, wait at least three to six months of on-time payments before requesting again. If you're approved, you can typically request another increase after six months to a year.
What if I don't see the credit limit option in my Wallet app?
Make sure you're running the latest version of iOS and that your Wallet app is up to date. If the option still doesn't appear, your account may be too new — Apple typically allows limit increase requests after three to six months of account history. You can also call Goldman Sachs to request an increase by phone.
Can I request a specific credit limit amount?
No. Apple shows you a specific offer based on their review of your account, and you either accept that amount or decline it. You cannot negotiate or request a different number. If the offer is lower than you hoped, you can decline and try again later when your payment history is stronger.
Will a credit limit increase change my interest rate or fees?
No. Your Apple Card interest rate (APR) and fees do not change based on your credit limit. A higher limit is purely about how much you can borrow, not the cost of borrowing. Your APR is set based on your creditworthiness at the time you applied and may only change if Apple adjusts rates across their entire customer base.