What Credit Bureau Does Apple Card Use?

Wondering what credit bureau does Apple Card use? We’ve got the answer, along with everything else you need to know about this popular credit card.

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What is the Apple Card?

The Apple Card is a credit card that is offered by Apple. It is a type of store card that can be used at Apple Stores and online at Apple.com. The Apple Card is also a rewards card, which means that you can earn points for every purchase that you make.

What are the benefits of the Apple Card?

The Apple Card is a co-branded credit card from Apple and Goldman Sachs. It was first announced in March 2019 and launched in August of that year. The card offers a number of benefits, including cash back rewards, no fees, and built-in security features. It also integrates with Apple Pay and the iPhone’s Wallet app.

What credit bureau does Apple Card use?

Apple Card uses the Experian credit bureau to determine your creditworthiness and credit limit. Experian is one of the three major credit bureaus in the United States. If you have a good credit score with Experian, you’re likely to get a good credit limit with Apple Card.

How does this affect your credit score?

When you open an Apple Card, Apple will do a “soft” inquiry with Experian, one of the three major credit bureaus. This won’t affect your credit score. If you decide to move forward with Apple Card, Apple will do a “hard” inquiry with Experian. This could temporarily lower your credit score by a few points.

How to use the Apple Card

The Apple Card is a new credit card from Apple. It’s different from other credit cards because it has no fees and pays you cash back for every purchase you make. It also has a built-in budgeting tool to help you stay on top of your spending. In this article, we’ll show you how to use the Apple Card.

How to make payments

To make a payment, open the Wallet app on your iPhone, tap Apple Card, then tap the more button . Tap Pay, then enter an amount.

You can also set up Apple Card Monthly Installments to pay for a new iPhone, iPad, Mac, or other eligible Apple product over time.3 Just choose Apple Card Monthly Installments when you shop at Apple. You can complete your purchase with just a few taps, and start paying back your balance right away.4

And if you need to pay for something at a store that doesn’t take Apple Pay, you can use your physical Apple Card. Just swipe it like any credit card and sign your name.

How to track your spending

The Apple Card is all about helping you manage your money better. One way it does this is by giving you spending insights that no other credit card can provide. In this article, we’ll show you how to use the Apple Card’s spending tracking feature so you can stay on top of your finances.

When you open the Wallet app, you’ll see your total Apple Card balance at the top. Tap on this to see a more detailed breakdown of your spending.

You’ll be taken to a screen that shows you how much money you’ve spent in the last 30 days, broken down into categories such as Shopping, Food and Drink, and Entertainment. Tap on any of these categories to see a more detailed view of your spending in that area.

If you want to see where you’ve been spending your money, tap on the location icon at the top of the screen. This will show you a map with all of the places where you’ve used your Apple Card in the last 30 days. Tap on any pin to see more information about that purchase, including the amount, date, and merchant name.

You can also use the search bar at the top of the screen to find specific purchases or merchants. Just enter a keyword or phrase into the search bar and all of your relevant transactions will appear.

If you want to get an even closer look at your spending, tap on the “See All Transactions” button at the bottom of the screen. This will take you to a list of all of your recent transactions, organized by date. You can tap on any transaction to see more details about it, including a description of what was purchased and how much it cost.

The Apple Card’s spending tracking feature is an incredibly powerful tool that can help you understand your spending habits and make better financial decisions. Be sure to take advantage of it!


The Apple Card uses Equifax as its credit bureau. This is the same bureau that is used by most major banks and financial institutions. If you have any questions about your credit score, you can contact Equifax directly.

What if I don’t have an iPhone?

If you don’t have an iPhone, you can still use Apple Card with the Apple Wallet app on any supported device.

What if I’m not a US citizen?

Apple Card is currently available to US citizens and legal residents with a valid physical US address.

How to contact Apple Card customer service

Apple Card customer service can be reached by email or phone. The best way to reach customer service is by email, as you will generally get a faster response. Phone support is also available, but wait times can be long.

Email: [email protected]

Phone: 1-888-280-4331

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