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 (the bank that issues the card) directly. Apple does not set your credit limit — Goldman Sachs does — so the bank will review your request based on your credit history, payment record, and current income. The process takes a few minutes if you use the app, or about 10 to 15 minutes if you call.
Most people see a decision within seconds when they request through the app. If Goldman Sachs needs more information, they will ask for it during the call or via mail. A higher limit does not mean you have to spend more; it straightforward gives you more available credit if you need it.
Key Takeaways
- You can request a credit limit increase through the Wallet app by tapping your card, selecting Account, and choosing the option to request an increase.
- Goldman Sachs will review your request based on your credit score, payment history, and reported income, and you will usually get a decision when ready.
- Calling Goldman Sachs at the number on the back of your card is an alternative if you prefer to speak to someone or if the app option is not available.
- A hard inquiry (which may lower your credit score slightly) happens only if you request through the app; phone requests typically use a soft inquiry.
- You can request an increase as often as every 30 days, though Goldman Sachs may decline if you have not built sufficient payment history since your last request.
Requesting an increase through the Wallet app
Open the Wallet app on your iPhone and tap your Apple Card. Scroll down and look for an option that says "Credit Limit" or "Request Credit Limit Increase" — the exact wording changes with app updates, but it will be in the Account or card details section. Tap that option.
The app will show you your current credit limit and ask how much of an increase you want. You can request any amount; Goldman Sachs will decide whether to grant it. After you enter your desired limit, review the information and confirm. The app will tell you when ready whether your request was approved, denied, or needs more review.
If approved, your new limit takes effect right away. If denied or pending, the app will explain why and tell you when you can request again. Keep in mind that this request triggers a hard inquiry on your credit report, which may lower your score by a few points temporarily.
Calling Goldman Sachs to request an increase
The phone number for Apple Card customer service is on the back of your physical card. Call that number and tell the representative you want to request a credit limit increase. Have your card handy and be ready to verify your identity by providing your Social Security number or other personal details.
The representative will ask about your income, employment status, and reason for the increase request. They will then review your account and tell you the decision on the call. This method usually involves a soft inquiry, which does not affect your credit score, though some representatives may mention a hard inquiry depending on your situation.
Phone requests can take longer than the app — expect 10 to 15 minutes total — but you can ask questions and get clarification if Goldman Sachs needs more information. If they deny your request, ask what factors led to the decision so you know what to improve before requesting again.
What Goldman Sachs looks at when reviewing your request
Goldman Sachs considers your credit score first. A score of 670 or higher generally makes approval more likely, though the bank does not publish a minimum score. Your payment history on the Apple Card itself matters most — if you have missed payments or paid late, your request will likely be denied.
The bank also reviews your income and how much credit you already have with other lenders. If you recently opened the card or requested an increase, Goldman Sachs may wait 30 to 90 days before considering another request. Your debt-to-income ratio (how much you owe compared to what you earn) also factors in, though the bank does not disclose the exact threshold.
Recent hard inquiries from other credit applications can work against you, as can collections accounts or charge-offs on your credit report. If any of these explore to you, focus on building a clean payment record for several months before requesting again.
How often you can request an increase
You can request a credit limit increase through the app as often as every 30 days. However, Goldman Sachs may decline your request if you have not built sufficient payment history since your last request or if you requested too recently. The bank does not publish exact waiting periods, but most people see better results if they wait at least 60 to 90 days between requests.
Each request through the app triggers a hard inquiry, so requesting too frequently can lower your credit score. If you are denied, wait at least 30 days before trying again, and use that time to pay down your balance and make on-time payments to strengthen your profile.
What to do if your request is denied
If Goldman Sachs denies your request, the app or representative will usually give a reason — common ones include insufficient credit history on the card, recent late payments, or a credit score that is too low. Do not request again when ready; instead, focus on the specific issue mentioned.
If the reason is payment history, make all payments on time for the next 60 to 90 days and pay down your balance if possible. If the reason is credit score, check your credit report at annualcreditreport.com (free, once per year) for errors and dispute any inaccuracies. If the reason is insufficient history, wait at least six months from when you opened the card before requesting again.
You can call Goldman Sachs again after you have addressed the issue and ask whether they will reconsider. Some representatives will note your account and review it again without requiring a new formal request.
Hard inquiry versus soft inquiry
A hard inquiry happens when you request through the Wallet app. It appears on your credit report and may lower your score by a few points. Hard inquiries stay on your report for about 12 months, though their impact on your score fades after a few months. Multiple hard inquiries in a short time can signal to lenders that you are desperate for credit, which can hurt your score more.
A soft inquiry happens when you call Goldman Sachs, though this is not may provide — some representatives may still run a hard inquiry depending on the situation. Soft inquiries do not appear on your credit report and do not affect your score. If you are concerned about your credit score, calling is the safer option, but ask the representative upfront whether they will run a hard or soft inquiry.
Frequently Asked Questions
How long does it take to get a decision on a credit limit increase?
Through the app, you usually get a decision within seconds. If you call, the representative will tell you on the phone, which takes about 10 to 15 minutes total. In rare cases, Goldman Sachs may need to review your process further and will contact you by mail or phone within a few business days.
Will requesting a credit limit increase hurt my credit score?
Requesting through the app triggers a hard inquiry, which may lower your score by a few points temporarily. Calling Goldman Sachs may result in a soft inquiry instead, which does not affect your score. The impact of a hard inquiry fades after a few months, and the benefit of a higher limit can outweigh the temporary score dip.
Can I request a specific credit limit amount?
Yes, you can request any amount through the app or by phone. Goldman Sachs will decide whether to grant the full amount, a partial increase, or deny the request entirely. The bank does not publish limits on how much you can request, but extremely high requests relative to your income are more likely to be denied.
What if I was denied and want to try again?
Wait at least 30 days before requesting again, and use that time to make on-time payments and pay down your balance. If the denial reason was related to your credit score or credit report, check annualcreditreport.com for errors and dispute any inaccuracies. Call Goldman Sachs after 60 to 90 days and ask if they will reconsider based on your improved payment history.
Does a higher credit limit mean I have to spend more?
No. A higher limit straightforward gives you more available credit if you need it. You control how much you spend each month. Having more available credit can actually help your credit score because it lowers your credit utilization ratio (the percentage of your limit you are using), as long as you do not increase your spending.