The no-annual-fee Apple Card from Goldman Sachs comes with a range of benefits, and a higher credit limit enables you to make the most of what’s on offer. With an increased limit, you can use your card more liberally without negatively affecting your credit utilization ratio.
You may request an Apple Card credit limit increase online or over the phone. Some cardholders get automatic increases, although there are no published guidelines surrounding who may receive one.
Whether you get an Apple Card credit limit increase automatically or ask for one on your own, you don’t have to worry about a hard credit pull. Goldman Sachs, the card’s issuer, only carries out soft pulls for credit limit increase requests.
If Goldman Sachs declines to raise your credit limit, you can always resubmit your request. However, it’s best to take steps to remedy any issues that may have led to the rejection before doing so. Applying for a new card is also an option.