How to request a credit limit increase on your Apple Card
You can request a credit limit increase on your Apple Card through the Wallet app on your iPhone, or by calling Goldman Sachs (the bank that issues the card) directly. Apple does not handle limit increases itself — Goldman Sachs reviews your request and decides whether to approve it. The process takes a few minutes to start, but the decision can take anywhere from a few minutes to several business days.
Most requests go through the app because it is faster and you get an answer when ready in many cases. If you call instead, a representative will ask about your income, employment, and payment history, then tell you on the spot whether they will increase your limit.
Key Takeaways
- You can request a limit increase through the Wallet app by tapping your card, selecting the menu, and choosing the option to request an increase.
- Goldman Sachs will perform a soft pull of your credit (which does not affect your credit score) to review your request.
- You can also call Goldman Sachs customer service at the number on the back of your card to request an increase over the phone.
- Approval depends on your payment history with the Apple Card, your income, and your overall credit profile — not on how long you have held the card.
- If denied, you can request again after 30 days, or wait for Goldman Sachs to automatically review your account (usually every 6 months).
Requesting through the Wallet app
Open the Wallet app on your iPhone and tap your Apple Card. Tap the three dots or menu icon in the top right corner, then scroll down and select "Request Credit Limit Increase." The app will show your current limit and ask you to confirm your annual income. Make sure the income figure is accurate — Goldman Sachs uses this to assess how much additional credit you can safely handle.
After you submit, the app will tell you whether your request was approved, denied, or is pending review. If approved, your new limit takes effect when ready. If pending, you will receive a notification within a few business days. If denied, the app will explain why (usually because your payment history is too short, you have missed payments, or your income does not support a higher limit).
Requesting by phone
Call the number on the back of your Apple Card to reach Goldman Sachs customer service. Tell the representative you want to request a credit limit increase. They will ask for your annual income, current employment status, and may ask about any recent changes to your financial situation.
The representative will then perform a soft credit pull (which does not lower your credit score) and tell you on the call whether your request is approved. If approved, your new limit is usually active within 24 hours. This method takes longer than the app but gives you a chance to explain your situation if your income recently increased or if there are other factors the app cannot capture.
What Goldman Sachs looks at when reviewing your request
Goldman Sachs focuses on three main things: your payment history with the Apple Card, your income, and your overall credit score and history. If you have made every payment on time since you opened the card, that works in your favor. If you have missed payments or paid late, Goldman Sachs will likely deny the request or offer a smaller increase than you asked for.
Your income matters because it determines how much total credit you can responsibly carry. If you reported $40,000 annual income when you opened the card and now report $60,000, Goldman Sachs may approve a larger increase. Your credit score and history with other lenders also factor in — if you have high balances on other cards or recent negative marks, Goldman Sachs may decline even if your Apple Card history is clean.
How often you can request an increase
You can request a credit limit increase through the app once every 30 days. If you are denied, you must wait at least 30 days before requesting again. If you call instead, the same 30-day rule usually applies, though some representatives may make exceptions if your circumstances have changed significantly.
Goldman Sachs also reviews accounts automatically every 6 months. If you do not request an increase and your payment history remains perfect, Goldman Sachs may increase your limit on its own and notify you through the app. This automatic review happens regardless of how many times you have requested manually.
What happens if your request is denied
A denial does not hurt your credit score and does not close your account. You can request again after 30 days. Before you do, check whether anything has changed: did you get a raise, pay down balances on other cards, or fix a late payment that was showing on your credit report?
If nothing has changed, wait for the automatic 6-month review instead of requesting repeatedly. Requesting too often can signal financial stress to Goldman Sachs and may make future denials more likely. If you genuinely need a higher limit because your spending has grown, focus on building a longer payment history (at least 6 months of perfect payments) before requesting again.
Soft pull versus hard pull: why it matters
When you request a limit increase through the app or by phone, Goldman Sachs performs a soft pull of your credit report. A soft pull does not affect your credit score and is not visible to other lenders. It is just Goldman Sachs checking your credit to decide whether to increase your limit.
This is different from a hard pull, which happens when you explore for a new credit card or loan. Hard pulls lower your score by a few points and stay on your report for about two years. Because Apple Card limit increases use soft pulls, you can request without worrying about damage to your score.
Frequently Asked Questions
How long does it take to hear back about a credit limit increase request?
If you request through the app, you usually get an answer when ready or within a few minutes. If the decision is pending, you will receive a notification within a few business days. Requests made by phone are decided on the call itself.
Will requesting a credit limit increase hurt my credit score?
No. Goldman Sachs uses a soft pull, which does not affect your score. Hard pulls (which do lower your score) only happen when you explore for new credit, not when you request a limit increase on an existing card.
What if I have only had the Apple Card for a few months?
You can request a limit increase at any time, but Goldman Sachs is more likely to approve if you have at least 6 months of perfect payment history. If you are denied, focus on making every payment on time and request again after 6 months.
Can I request a specific amount, or does Goldman Sachs decide the increase?
The app does not let you specify an amount — you just request an increase and Goldman Sachs decides how much to give you. If you call, you can ask for a specific amount, but the representative will approve, deny, or counter with a different amount based on their review.
What should I do if I am denied multiple times?
Stop requesting for at least 6 months and focus on building a stronger credit profile: make all payments on time, pay down balances on other cards, and correct any errors on your credit report. After 6 months of perfect history, request again or wait for Goldman Sachs' automatic review.