![]() If your application was declined, learn what you can do to try and improve your next application. If your application is declined or you reject your offer, your credit score isn't impacted by the soft inquiry associated with your application. If you accept your offer, a hard inquiry is made. ![]() If you apply for Apple Card and your application is approved, there's no impact to your credit score until you accept your offer. 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. Goldman Sachs 1 uses your credit score, your credit report (including your current debt obligations), and the income you report on your application when reviewing your Apple Card application.
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