Build credit history for Apple Card Family participants
If you're 18 years or older, you can opt in to build your credit history while you're part of a shared Apple Card account.
How to build credit history with Apple Card Family
There are two ways to opt in to build credit with Apple Card Family:1
When you accept an invitation to become a participant, you can opt in to credit reporting.2
If you don't opt in when you accept the invitation to become a participant, you can opt in at any time on your iPhone. Open the Wallet app and tap Apple Card, tap the More button
, tap Account Details
, then tap Build Credit History.
If you have issues opting in to credit reporting, contact an Apple Card Specialist at Goldman Sachs.
Important information about participant credit reporting
If you're a participant, you can spend on the account but you're not responsible for payments. The account owner and co-owner are responsible for all purchases made by participants.3
If you have limited or no credit history, credit reporting can assist you by establishing or expanding your credit file.Generally, accounts that have been established for a while, shown consistent on-time payments, and maintain low balances (e.g. below 30% of the total credit limit) may result in a more positive credit impact.
Participants will be reported to the credit bureaus as authorized users on the owner’s account, which is a signal that the participant is able to spend on the account, but are not responsible for payments. Being a participant on an account that has a negative payment history (e.g. the account goes past due) or is over utilized can have negative effects on your credit.
To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.
If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.
Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.
If you are a Participant, you are able to spend on the account but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is overutilized can have negative effects on your credit. For details on credit reporting, click here. For more details including some risks and benefits of being a Participant, click here.
Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card, including amounts due on your Co-Owner's account before the accounts merged. Each Co-Owner will be reported to credit bureaus as an owner on the account. In addition, Co-Owners will have full visibility into all account activity and each Co-Owner is responsible for the other Co-Owner’s instructions or requests. Co-Ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of new Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, click here. Either Co-Owner can close the account at any time, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, click here.
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