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How to Increase Apple Credit Card Limit?

Apple Card is a credit card available only for Apple Users in virtual and physical modes in the United States. Goldman Sach issues the card, and users can use them on online and offline platforms where Apple Pay is accepted.

Apple Card is one of the most convenient ways to pay your bills but not when you touch the limit. As a new Apple Card user, you get a low limit, and that’s a matter of concern. Don’t worry; in this post, I’ll share the method of How to Increase the Apple Card Limit, and I believe the process will surely help your Apple Card Credit Limit Increase.

increase apple credit card limit

How to view Apple Card credit limit and other details?

Before you learn how to request Apple Card Credit Limit Increase, it’ll be better to know the limit and other details first.

If you haven’t checked that before, then follow the process below:

On iPhone:

To view the Apple Card credit limit on your iPhone, follow these steps:

  • Find and open the Wallet app on your iPhone.
  • Then, click on your Apple Card.
  • Now, click the more button(three dots inside a circle) on the top right.
  • Tap on the Card Details icon (i).
  • Scroll down to see every detail of your cards, such as Credit Limit, Available Margin, and APR.

On iPad:

If you have set up your Apple Pay on your iPad and want to check the limit on it, these steps are for you:

  • First, Open the Settings app.
  • Scroll down to find Wallet & Apple Pay; click that.
  • Select your Apple Card.
  • Then, click the Info tab.
  • You will see the available Card Balance, Account Credit Limit, Credit, and APR.

How to Increase Apple Card Limit? – Request Through Apple Pay

To request for Apple Card limit increase, you should go to Goldman Sachs and consult an Apple Card Specialist. He’ll check your details and will help you increase your credit limit.

If you don’t want to go out, you can do that directly through Apple Pay. You can request an increase on your iPhone or iPad; I have mentioned steps for both devices.

On iPhone:

To request an Apple Card Limit from your iPhone, follow these steps:

  • First, open the wallet app.
  • Tap Apple Card.
  • Then, tap the more button.
  • Now, tap Card Details(‘i’ inside a circle).
  • Click the Message icon.
  • Type an appealing message requesting a credit limit increase and then click the Send button.

On iPad:

If you use Apple Pay on your iPad, then you can request an increase from it by following the steps below:

  • Open Settings.
  • Scroll down till you find Wallet & Apple Pay, and click on that.
  • Tap your Apple Card.
  • Now, click the Info tab.
  • Click on the message icon and type a message to request a credit card limit increase and then click the Send button.

Also Read: How to View / Find Apple Pay Card Number?

Tips to get your Apple card credit limit increased

Before you apply for an Apple Card credit limit increase, check out the tips below to surely get approval.

Make payments on time: The most important factor in increasing your FICO score is to make payments on time. Your card issuer always notices your payment history; if it’s good, you’ll surely get an increase.

Make more transactions per month: If you don’t use your Apple Card frequently, you should change your habit, as Apple prefers customers who do more transactions and actively uses Apple Car. So, I suggest you make at least 20 transactions per month to get your credit limit increased. Also, check out How to Add Money to Apple Pay Without Debit Card?

Be a cardholder for more than six months: Before you apply for a credit limit increase, make sure you are an Apple Card holder for at least six months. If you are an old customer, you’ll have a veteran user image in front of Goldman Sachs (the bank which provides apple cards), and your chance of getting a credit limit increase will escalate.

Utilize only 30% of your credit limit: You shouldn’t use the absolute limit of your Apple Card. Experts say that using a 30% credit limit is preferable, and if it can be under 10%, then it is ideal. So, before spending much on your card, keep the utilization limits in your mind to develop a good credit score.

Request for a little increase: You shouldn’t ask for much limit increase on your credit card; if you do so, it’ll look greedy, and companies don’t like these people. You should always request a limit increase under 20% and don’t do it often.

What if your Apple Card limit increase request is denied?

There’s no 100% possibility that you’ll surely get your Apple Card limit increased; it might get denied. Goldman Sach reviews your request and considers your details to determine whether you’ll get an increase or not.

If your request is denied, don’t worry; you can try following the methods below and apply again.

Increase Your Income: Goldman Sachs’s priority is your income; if it is low, it’ll reject your request to increase your credit limit. Increasing your income can surely escalates your chances of getting a credit limit increased.

So, when you get better pay in your company or start doing any side business, request the credit limit increase again, and don’t forget to mention your work on it.

Improve Credit Score: You should always think about your credit score to improve it, and if it’s not up to the required mark, then you won’t get a limit increase on your Apple Card.

You can try following the methods mentioned above to increase your credit limit but keep in mind that it’ll take you a certain amount of time.

You can also take a credit card from other issuers and use it properly to develop a good credit score.

You can apply again for a limit increase on your Apple Credit card after you have improved your credit score.


This post taught us how to request an Apple Card limit increase and discussed the steps to view details. I have also shared a few tips that may help you increase your credit limit. I hope you found answers to your queries; if you have anything to ask, feel free to drop in the comments below.

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