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Apple Card Beginning to Show Up on Equifax Credit Reports

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Apple Card is starting to show up on Equifax credit reports, but not yet for all users, according to a Reddit discussion today.

apple card feature2
Apple Card info is now being reported to all three major credit bureaus in the United States, with the other two being Experian and TransUnion. As with any credit card, Apple Card usage can positively or negatively one's credit score based on factors such as payment history, credit utilization, and age of the account.

To apply for an ‌Apple Card‌, open the Wallet app on an iPhone running iOS 12.4 or later, tap the plus button in the top-right corner, and follow the on-screen steps. The process takes just a few minutes, and if approved, a digital ‌Apple Card‌ will be ready for purchases immediately. A physical, titanium Apple Card can also be requested through the Wallet app for use at retail stores that do not accept contactless payments.

Apple Card's key features include color-coded spending summaries in the Wallet app, no fees, and up to three percent cashback on purchases, paid out daily.

Tag: Apple Card Guide

Top Rated Comments

itsmeaustend Avatar
itsmeaustend
73 months ago
Screw Equifax. Shouldn’t even be in business anymore.
Score: 13 Votes (Like | Disagree)
LeeW Avatar
LeeW
73 months ago
Having to Macsplain to users of the Apple card that it can affect your credit rating, ok then...
Score: 6 Votes (Like | Disagree)
Xavier Avatar
Xavier
73 months ago
I've enjoyed my Apple Card so far and building some more Apple Cash. I am looking forward to using the 0% financing option when the new ARM iMac's come out.
Score: 4 Votes (Like | Disagree)
zilchfox Avatar
zilchfox
73 months ago

Credit Karma is fake credit reporting. Dont rely on them and look for the mention on their site that their reporting is for educational purposes only.

And know which bureau serves your area. And only Experian has the actual FICO.
Credit Karma uses VantageScore 3.0. I know it's not exactly the same as FICO, however I wouldn't go so far as to call it fake– it's been extremely accurate in terms of what accounts I have and what balances they show. Either way, my FICO 8 doesn't show my Apple Card balance, either.
Score: 1 Votes (Like | Disagree)
L
libertysat
73 months ago
Contactless payments is what drew me to the card/Wallet.

I also like how there is no card number on the physical card so when the restaurant waitperson takes my card out of sight, I know they can not capture my card info...
Score: 1 Votes (Like | Disagree)
M
MickeyAlexander
73 months ago
Ha, I had just reached out to Apple Card support last week and asked about this since I noticed it still wasn’t showing up. They said "We report to TransUnion and Experian and potentially other bureaus in the future."

We’re living in the future!
Score: 1 Votes (Like | Disagree)
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