https://techcrunch.com/2020/06/29/apple-launches-path-to-apple-card-a-4-month-credit-worthiness-improvement-program/ > Apple is launching an interesting new Apple Card program for people who have their application declined. > Declined Apple Card applicants may begin seeing emails later today that offer them the Path to Apple Card program. It’s an opt-in program that can run for up to 4 months. It leverages the information that Goldman Sachs used determine their credit worthiness to outline why they were declined and to help them improve the specific financial markers that would make them more likely to get approved next time.