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This question is about the Apple Card
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Chip Lupo, Credit Card Writer
@CLoop
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The Apple Card credit limit is usually around $2,500 to start, according to forum posts, and some cardholders report limits as high as $20,000. Marcus by Goldman Sachs does not include any specific Apple Card credit limit information in the card’s terms, though.
For the most part, Apple Card credit limits depend on each applicant’s overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
That said, the Apple Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the Marcus by Goldman Sachs customer service number on the back of your card, but it’s best not to ask more than once a year.
This answer was first published on 08/17/22 and it was last updated on 01/08/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Victor Houser, Member
@victorhouser
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My credit limit with them is $37.500,00
This answer was first published on 12/17/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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John Wade, Member
@Wadeice
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I’m currently at $15,750.00. Had the card for a couple of years. I may have started out around 3-5k, can't really remember. Every few months I've requested a credit limit increase. Not because I necessarily need it, but because it's good to have a high credit limit to keep the borrowing ratio low for the card and for overall available credit. Makes having a higher credit score more easy.
On and off I've spent a few thousand a month. Paid the whole balance in full that month. Some months I used it more light than that. Have other cards. I think they key is making sure you show you are active using it. So, at least 20 small transactions a month equaling a couple hundred or so should do the trick. No hard inquiry for requesting and/or being approved for a higher limit. Takes a few seconds to send a text to the computer for apple that will decide quickly 90% of the time, or send an email within a few days of an explanation of why you didn't get it that time.
This answer was first published on 08/24/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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