How To Request a Credit Limit Increase on Your Apple Card

The Apple Card is a unique credit card that lives on your iPhone. Simply hover your phone over the credit card reader when you need to make a purchase or get the information from your phone for online and over-the-phone orders. 

The card is also more secure than most other credit card offerings. That’s because Apple incorporated advanced security technologies, including face ID and touch ID, into the card’s use. 

If you have an Apple Card, you may be wondering, “How do I request an Apple Card credit limit increase?”  

How To Increase Your Apple Card Credit Limit

You can request an Apple Card credit limit increase using your iPhone or your iPad. The steps to do so on each device are below. 

Request a Credit Limit Increase With Your iPhone

Follow these steps to request a higher credit limit on your iPhone:

  1. Tap “Apple Card” in your Wallet app. 
  2. Tap the button with three dots.
  3. Tap the details icon. 
  4. Send a message to request a credit line increase. 

Request a Credit Limit Increase With Your iPad

Follow these steps to request a higher credit limit on your Apple Card using your iPad:

  1. Open the “Settings” app. 
  2. Click “Wallet & Apple Pay.” 
  3. Tap “Apple Card.”
  4. Tap “Info.”
  5. Send a message to request your credit line increase.
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Why You Might Want a Higher Credit Limit

You might want a higher Apple Card credit limit for a few reasons. Some of the most common include:

  • Improve your credit score: A credit line increase improves your credit utilization ratio because it makes more credit available to you. This can help improve your credit score.
     
  • Build a safety net: Unexpected expenses happen from time to time. That’s why everyone needs an emergency fund. However, if you’re just building one or recently tapped into it, you may want a higher credit limit to ensure you have access to money in an emergency as you build your financial stability. 
     
  • Your spending habits have changed: If you’ve started making more money and paying down debts, your spending habits might have changed. Even though you pay your credit cards off monthly, you may want access to more available credit to consolidate your spending or generate more rewards.  

How To Check Your Current Apple Card Credit Limit

If you don’t know what your Apple Card credit limit is, you should check it before considering an increase. You can do so on your iPhone or iPad using the steps below. 

Check Your Credit Limit With Your iPhone

Follow these steps to check your credit limit with your iPhone:

  1. Open your Wallet app. 
  2. Tap “Apple Card.”
  3. Tap the icon with three dots. 
  4. Tap the “Details” button.

Check Your Credit Limit With Your iPad

Follow these steps to check your credit limit with your iPad:

  1. Open the “Settings” app. 
  2. Tap “Wallet & Apple Pay.”
  3. Tap “Apple Card.”
  4. Tap “Info.”
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What Factors Improve Your Chances of a Credit Limit Increase?

Apple doesn’t share the factors it uses to determine your credit limit, but there are a few known factors that improve your chances. Those include:

  • Increased income: Your income is one of the key factors in determining your credit limit. If your income has increased, you have a better chance of approval for a higher limit.
     
  • Lower DTI: Lenders look into your debt-to-income ratio when you apply for new or increased credit to determine your ability, or lack thereof, to repay loans. If your DTI has fallen, you have a better chance of a credit limit increase. 
     
  • Payment history: Your payment history also affects your ability to get a credit line increase. If you consistently pay your bills on time, you have better chances of getting approved for a higher credit limit.  

What To Do If Apple Denies Your Request?

If Apple denies your Apple Card credit limit increase request, you can do a few things to improve your chances the next time you request one. 

  • Pay more debts off: Your debt-to-income ratio may be the reason a lender denies your request for a higher credit limit. Work on paying your debts off to improve your DTI and your chances of approval next time. 
     
  • Further your career: Work hard to get that next promotion, look into other opportunities in your industry or consider taking on a side gig or two to increase your income. The higher your income is, the better your chances are of approval for a credit limit increase. 
     
  • Pay your bills on time: The longer record you have of paying your bills on time, the better your chances are for a credit limit increase. Make an effort to pay all your bills on time and put as many on autopay as possible to avoid missed payments.  
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Final Take

The Apple Card is a convenient, more secure alternative to traditional credit cards. If you have an Apple Card and want a higher credit limit, follow the steps above to request a credit limit increase. 

Apple Card FAQ

Find answers to some of the most common questions about Apple Card credit limits below.
  • How often does Apple Card raise limits?
    • Apple doesn't have a specific time period in which the lender will perform a credit limit review. However, it's best to wait at least three months after opening your account before requesting a higher limit and at least six months between requests.
  • Does Apple Card ever increase your limit?
    • You may qualify for an Apple card credit limit increase upon request.
  • What is the highest Apple Card credit limit?
    • Apple Card credit limits may be as high as $15,000.
  • Does Apple Card do a hard pull for a credit limit increase?
    • Apple doesn't do a hard pull for credit limit increase requests. However, the company will do a soft pull of your credit report.

Information is accurate as of Dec. 8, 2022. 

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

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About the Author

Joshua Rodriguez is a personal finance and investing writer with more than 10 years of experience. He is the founder of CNA Finance. His work has been featured on U.S. News & World Report, Money Talks News and several other mainstream outlets. 
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