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Created by Apple, not a bank." Apple Card requirements. However, there are some negative credit items that could hurt your chances of getting approved, including past-due accounts or a recent bankruptcy or repossession. [ Apple Card does not charge late, foreign transaction, returned payment, or annual credit card fees, but it does generate interest fees when carrying a balance and interchange fees charged to the vendor. The Apple Card is finally here.

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This article highlights a number of factors that Goldman Sachs uses, in combination, to make credit decisions but doesn't include all of the details, factors, scores or other information used to make those decisions. You won't see the account number, your expiration date or the CVV number. Apple is getting into the credit card business.

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