If you’re an Apple Card user, you’ve probably asked yourself: Does the Apple Card credit limit increase automatically, or do I have to request it? The answer is—sometimes it does, but not always. Apple Card, issued by Goldman Sachs, uses a smart system to evaluate your credit profile, but it doesn’t guarantee automatic limit increases like traditional credit cards might.
In this guide, you’ll learn how Apple Card credit limit increases work, when they might happen automatically, and what you can do to request one manually if needed.
What Is the Apple Card Credit Limit?
The credit limit on your Apple Card is the maximum amount of money you can borrow using the card. When you first apply, your limit is determined based on:
- Your credit score
- Your income
- Your existing debts
- Your payment history
- Your overall credit profile
Once approved, your Apple Card credit limit is visible in the Wallet app.
Can Apple Card Increase My Credit Limit Automatically?
Yes—but it depends.
Apple Card does sometimes increase credit limits automatically, especially for users who:
- Use the card regularly
- Make payments on time
- Keep their credit utilization low
- Have good credit habits over time
There is no official schedule for automatic increases. Some users report getting a boost after 6 months, others after a year, and some not at all.
Apple doesn’t send a notification ahead of time. If your credit limit increases, you’ll notice the new limit in your Wallet app under the Apple Card section.
How to Check If You Got a Credit Limit Increase
- Open the Wallet app on your iPhone
- Tap on your Apple Card
- Tap the three dots (•••) in the upper-right corner
- Scroll to see your Credit Limit
If your limit changed recently and you weren’t notified, that’s how to spot it.
How to Request an Apple Card Credit Limit Increase
If you didn’t get an automatic increase or want a higher limit now, you can request it manually through Messages.
Step-by-Step Guide:
- Open the Wallet app
- Tap on your Apple Card
- Tap the three-dot menu (•••)
- Tap Message
- Type something like: “Hi, I’d like to request a credit limit increase.”
An Apple Card Specialist will guide you through the process. It usually takes just a few minutes, and they might ask for updated income information.
Important: Goldman Sachs typically performs a soft credit check, so your credit score won’t be affected by the request.
What Goldman Sachs Considers for Credit Limit Increases
When reviewing your account for a potential limit increase—whether automatic or manual—Goldman Sachs looks at:
| Factor | Why It Matters |
| Payment History | Late payments reduce your chance of increase |
| Spending Habits | Regular usage shows you’re actively using it |
| Credit Utilization | Lower usage signals responsible borrowing |
| Income Updates | Higher income can justify a higher limit |
| Time Since Approval | Typically at least 6 months before a change |
Keep in mind: Just because you’re eligible doesn’t mean it will happen automatically.
How Often Can You Request a Credit Limit Increase?
There’s no official rule, but it’s smart to wait at least 6 months between requests. Frequent or back-to-back requests may get ignored or denied.
Will Requesting a Limit Increase Hurt My Credit?
No, requesting a limit increase for Apple Card typically involves a soft inquiry, which does not impact your credit score. However, this policy can change, so read any terms presented in the Messages app when making your request.
Why You Might Want a Higher Credit Limit
Increasing your Apple Card credit limit can offer several benefits:
- Lower credit utilization ratio, which may boost your credit score
- More spending flexibility for large purchases
- Better emergency backup without maxing out
- Improved chances of loan approvals by showing more available credit
Why You Might Not Get an Automatic Increase
Apple and Goldman Sachs may not offer an automatic limit increase if:
- You have high credit card debt elsewhere
- You frequently carry a high balance on the Apple Card
- Your income hasn’t been updated recently
- You made late payments
- Your credit score dropped since you opened the card
If you’re denied, you can request again in a few months after improving your profile.
FAQs
Does Apple Card automatically increase your credit limit?
Yes, in some cases. If you use the card responsibly and meet certain credit criteria, Goldman Sachs may increase your limit automatically—though there’s no guarantee or fixed timeline.
How do I request a credit limit increase for Apple Card?
Open the Wallet app, select your Apple Card, tap the three-dot menu, then tap Message and ask for a credit limit increase.
Will requesting a credit limit increase hurt my credit score?
No, Apple Card requests typically result in a soft inquiry, which doesn’t affect your score.
How long should I wait before requesting an increase?
It’s recommended to wait at least 6 months after getting the card or your last limit change before making another request.
Can I update my income to improve my chances?
Yes. When requesting a limit increase, provide your most recent income info. A higher income can help justify a higher credit line.