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 buttonthe more button, tap Card Detailsthe card details button, then tap Build Credit History.

If you have issues opting in to credit reporting, contact an Apple Card specialist.

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

Credit reporting can assist people with no or limited credit history by establishing or expanding their 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 they are 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.

  1. To access and use all of the feature of Apple Card, add Apple Card to Wallet on your iPhone or iPad with the latest version of iOS or iPadOS. Available for qualifying applicants in the United States. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

  2. Any participant over the age of 18 can choose to be reported to the credit bureaus. Any participant who is or becomes married to an account owner is required to be reported to the credit reporting agencies by law.

  3. Each co-owner is jointly and individually responsible for all balances on the co-owned Apple Card including amounts due on the existing co-owner’s account before the accounts are 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. Credit reporting includes positive and negative payment history, credit utilization and additional information. Card usage and payment history may impact each co-owner's credit score differently because each individual's credit history will include information that is unique to them. Addition of a new co-owner is subject to credit approval and general eligibility requirements. Learn more about Apple Card eligibility requirements. 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. You can also learn more about account sharing options, including some of the risks and benefits.

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