How to Request a Higher Credit Limit on Your Apple Card
Apple Card increases your limit through Goldman Sachs, not through Apple itself
Your Apple Card credit limit is managed by Goldman Sachs Bank USA, the bank that issues the card. To request an increase, you work through the Wallet app on your iPhone — there's no phone number to call or website form to fill out. Goldman Sachs reviews your request based on your payment history with them, your credit score, and how much of your current limit you typically use.
The process takes a few minutes in the app, and you'll usually get an answer right away. Sometimes Goldman Sachs approves you on the spot. Other times they ask for more information or deny the request, in which case you can try again after a few months of on-time payments.
Key Takeaways
- Request a credit limit increase directly in the Wallet app by tapping your Apple Card, then selecting the option to review or increase your limit.
- Goldman Sachs decides based on your payment history, credit score, and how much of your current limit you use each month.
- You'll get a decision immediately in most cases, though some requests require additional review.
- If denied, waiting two to three months and building a stronger payment record makes a second request more likely to succeed.
- A hard inquiry may appear on your credit report when you request an increase, which can temporarily lower your credit score by a few points.
Where to find the limit increase request in Wallet
Open the Wallet app on your iPhone and tap your Apple Card. Scroll down until you see a section labeled "Credit Limit" or similar language about your current limit. Tap on that section — it will show you your existing limit and give you the option to request an increase.
When you tap to request an increase, the app will show you what limit Goldman Sachs is willing to offer you, or it will let you propose a specific amount. Read the offer carefully: sometimes the bank suggests a smaller increase than you might have hoped for, based on their assessment of your account. You can accept the offer, decline it, or propose a different amount if the app allows it.
After you confirm your request, you'll see a result screen. If approved, your new limit takes effect immediately. If the bank needs more time to review, you'll see a message saying your request is pending, and you'll receive a notification when a decision is made.
What Goldman Sachs looks at when reviewing your request
The bank focuses on three main things: whether you pay your bill on time every month, what your credit score is, and how much of your current limit you actually use. If you've had the Apple Card for only a few months, Goldman Sachs may be hesitant to raise your limit significantly, even if your credit score is excellent, because they have limited history with you.
If you carry a balance close to your limit most months, the bank sees that as higher risk and may deny an increase or offer a smaller one than you'd like. Conversely, if you use only 10 to 20 percent of your limit and never miss a payment, you're a stronger candidate for approval. Some cardholders report that Goldman Sachs automatically increases their limit without them asking, usually after six months to a year of consistent on-time payments.
Hard inquiries and the effect on your credit score
When you request a credit limit increase, Goldman Sachs typically runs a hard inquiry on your credit report. This is a formal check of your creditworthiness, and it shows up on your credit report for about two years. A single hard inquiry usually lowers your credit score by a few points — often between 5 and 10 points — though the impact varies depending on your overall credit profile.
The score drop is temporary. As long as you continue making on-time payments, your score typically recovers within a few months. If you're planning to apply for a mortgage, auto loan, or another form of credit soon, you may want to wait on requesting an Apple Card limit increase, since multiple hard inquiries in a short time can have a larger effect on your score.
Not every limit increase request triggers a hard inquiry. If Goldman Sachs approves you based on a soft inquiry (a check that doesn't show up on your report), you won't see any impact on your score. The bank doesn't always tell you in advance which type of inquiry they'll use, so assume a hard inquiry is possible when you submit a request.
What to do if your request is denied
If Goldman Sachs denies your request, the app will show you a message explaining the decision. Common reasons include a recent missed payment, a credit score that has dropped, or simply not enough time having passed since you opened the account or received your last increase.
The best next step is to wait two to three months, make every payment on time, and keep your balance well below your current limit. After that period, you can request an increase again. Each on-time payment strengthens your case, and if your credit score has improved, that helps too. Some cardholders find that waiting six months between requests gives them a better chance of approval than trying again after just a few weeks.
If you were denied and you believe it was an error — for example, you have no missed payments and your credit score is strong — you can contact Goldman Sachs customer service through the Wallet app to ask for more details about the denial. They may be willing to reconsider if there's a mistake in their records.
Automatic increases versus manual requests
Goldman Sachs sometimes increases your limit without you asking. This usually happens after you've had the card for six months to a year and have demonstrated consistent, on-time payments. When the bank increases your limit automatically, no hard inquiry occurs, so there's no impact on your credit score.
You'll receive a notification in the Wallet app when an automatic increase happens. Some cardholders never request an increase manually because the bank raises their limit on its own schedule. Others prefer to request an increase when they know they'll need the higher limit for a specific purchase or period of spending.
There's no downside to requesting an increase manually if you want one sooner than the bank might offer it automatically. The hard inquiry is a minor, temporary effect, and if you're approved, you get the higher limit right away.
Frequently Asked Questions
Can I request a credit limit increase if I've only had the Apple Card for a few weeks?
You can submit a request, but Goldman Sachs is unlikely to approve a large increase when you have very limited history with the card. The bank typically wants to see at least a few months of on-time payments before raising your limit significantly. If you're denied, waiting until you've had the card for at least six months improves your chances.
Will requesting a limit increase hurt my credit score?
A hard inquiry may lower your score by a few points temporarily, usually between 5 and 10 points. The effect is short-term — your score typically recovers within a few months as long as you keep making on-time payments. If you're planning to apply for other credit soon, you may want to space out your requests.
How often can I request a credit limit increase?
There's no official rule, but Goldman Sachs typically reviews requests more favorably if you wait at least two to three months between them. Requesting too frequently may signal financial stress and could result in denials. Most cardholders find that spacing requests six months apart gives them the best results.
What if I want to lower my credit limit instead?
You can request a decrease through the same section of the Wallet app where you'd request an increase. Lowering your limit doesn't hurt your credit score and can help if you want to reduce the temptation to overspend or if you're concerned about fraud risk on a high limit.
Does Apple have any say in my credit limit?
No. Apple doesn't set or approve credit limits on the Apple Card — that's entirely Goldman Sachs' decision. Apple's role is limited to providing the app interface where you make the request. All underwriting and credit decisions come from the bank.