Your Apple Card payments aren't affecting your credit score yet... and according to experts, this is highly unusual.
If you’ve signed up for the Apple Card, your payment history won’t be reflected on your credit reports.
This means that the two companies have yet to send details on customers’ balances and on-time payments to Experian EXPN, -0.81%, Equifax EFX, +1.09% and TransUnion TRU, +1.17% — information that is used to calculate people’s credit scores. The Apple Card is the first credit card Goldman Sachs has ever offered. When it was unveiled, some observers suggested that card holders could encounter customer-service difficulties given that Apple and Goldman Sachs were both new to the credit-card space.
“I’ve never heard of a mainstream credit card that doesn’t report to the credit bureaus,” said Ted Rossman, industry analyst at CreditCards.com. “I’ve heard of a few fringe instances of cards failing to report to the bureaus, like certain secured cards, but nothing nearly as widely known as the Apple Card.”
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