Understanding Apple Card Joint Account Requirements and Management

To qualify for an Apple Card joint account, both applicants must be at least 18 years old and have a valid US address.

Apple Card joint accounts can be managed through the Wallet app on iOS devices or the Apple Card website on a Mac or PC.

To add or remove authorized users on an Apple Card joint account, go to the Apple Card section in the Wallet app and tap on "Manage Account."

Authorized users on an Apple Card joint account will receive their own Apple Card, which can be used separately from the primary account holder's card.

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Account management with a shared Apple Card is straightforward. You can add or remove participants and order a titanium Apple Card for participants who are under 18 years old.

Account owners and co-owners have more responsibilities, including building credit together equally and sharing full responsibility for the account balance and all payments.

To manage the account, account owners and co-owners can view participant activity and account co-owner activity, set transaction limits for participants, lock a participant's ability to spend, and receive notifications on participants spending.

Here are some key account management tasks:

To manage your Apple account effectively, you need to meet certain requirements. The account owner must have an Apple Card account.

You'll also need to set up Family Sharing or be part of a Family Sharing group. This will allow you to manage accounts and share benefits with family members.

Your device region must be set to the United States. This is a crucial step to ensure that you can access all the features and benefits of your Apple account.

To add co-owners to your account, they must be 18 years or older and a member of your Family Sharing group. This will give them access to your account and allow them to make changes.

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Participants, on the other hand, must be at least 13 years old and a member of your Family Sharing group. This will give them limited access to your account.

Here are the key requirements to keep in mind:

As an account owner or co-owner on a shared Apple Card, you have a range of responsibilities and benefits. You share full responsibility for the account balance and all payments, even if one co-owner doesn't pay.

Here are some key actions you can take as an account owner or co-owner:

As an account owner, you also have the option to set up Family Sharing, which allows you to invite participants and co-owners to join your shared Apple Card account.

Adding a co-owner to your Apple Card account is a straightforward process. You can do this by following the steps outlined in the Wallet app.

To add a co-owner, you'll need to tap the More button and then tap Account Details. From there, you'll see the option to Add User, which will take you through the process of inviting someone to join your Apple Card account.

You can select a member of your Family Sharing group to invite as a co-owner, or you can tap Become Co-Owners to invite someone to become a co-owner of the account.

Here are the steps in more detail:

1. Open the Wallet app and tap your Apple Card.

2. Tap the More button, then tap Account Details.

3. Under Apple Card Family, tap Add User, then tap Continue.

4. Select a member of your Family Sharing group.

5. Tap Become Co-Owners to invite someone to join your Apple Card account.

Once you've invited a co-owner, you'll both share full responsibility for the account balance and all payments, even if one co-owner doesn't pay.

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Credit reporting for Apple Card joint accounts is a bit more complicated than it seems. Each co-owner is reported to credit bureaus as an account owner, with their own credit history and score.

Credit reporting for co-owners includes both positive and negative payment history on their shared Apple Card, as well as the credit line amount and credit utilization. This means that each person's credit score may be affected differently by the shared account.

For more insights, see: Does a Joint Bank Account Affect Credit Score

If you combine your account with an existing Apple Card account owner, the credit limit for each person will be combined, and both co-owners will see the combined credit limit on their credit reports. Each co-owner will maintain their pre-merge Apple Card payment history on their individual credit profile.

Here are some key things to know about credit reporting for Apple Card joint accounts:

If you're added as an Apple Card participant, you'll be reported to credit bureaus as an Authorized User, and you'll inherit all positive and negative credit reporting from the account owner's Apple Card account.

If you co-own an Apple Card account, you and the other co-owner share full responsibility for the account balance and all payments, even if one of you doesn't pay.

You can build credit together equally, which means both co-owners are reported in their own name, and credit reporting includes positive and negative payment history, credit utilization, and additional information.

Each co-owner's credit history will include information unique to them, so Apple Card usage and payment history can impact each person's credit score differently.

You can get unlimited Daily Cash back on your own transactions, but it's not clear if this applies to co-owners or not.

You can close the shared Apple Card account at any time, but you're still responsible for paying any remaining balance.

If you want to co-own an Apple Card account with someone who doesn't have an existing Apple Card, they must be a member of your Family Sharing Group and apply for Apple Card, be approved, and accept the invitation to become a co-owner with you.

The credit limit for each person will be combined, and both co-owners will see the combined credit limit for the shared account on their credit reports.

Here are some key things to consider when co-owning an Apple Card account:

Closing the shared account may have a negative impact on both account owners' credit scores.