Apple Launches ‘Path to Apple Card’ Program to Help Declined Applicants Get Approved

Apple today launched a new Apple Card program and website that are designed to help people who have their ‌Apple Card‌ applications declined improve their credit to qualify, reports TechCrunch.


Starting today, declined ‌Apple Card‌ applicants will begin seeing emails that offer the Path to ‌Apple Card‌ program, which is opt-in and can run for four months. It uses the information from the initial ‌Apple Card‌ credit application to provide people with details on why they were declined as well as suggestions on how to improve financial markers that could help them get approved next time.


Examples of suggestions include resolving past due balances, making payments to secured and unsecured debt accounts on time, and lowering credit card and personal loan debt. Apple will send out a once-a-month update on progress toward improvement.

When a customer has completed the program, Apple invites them to reapply for the ‌Apple Card‌. Apple has also launched a website that has specific details on how the Goldman Sachs approval process works and how people can boost their chances of approval before applying.

As TechCrunch points out, the suggestions that Apple offers are obvious to those with knowledge of how credit works, but there are many people who do not have a strong grasp on the factors that can impact credit worthiness, and Apple’s program could help these people.

When it comes to privacy, Apple knows whether a person has chosen to participate in the program, but it does not store personally identifiable information or know details about participants’ financial situation. Goldman Sachs does not share the information with third parties for advertising or marketing purposes.

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Apple’s Path to Arm-Based Macs Could Start With a New 12-Inch MacBook

Fudge, a leaker who goes by @choco_bit on Twitter, often shares details on upcoming Apple products. With Apple’s Arm-based Macs that use custom-made chips on the horizon, Fudge today shared some of his thoughts on how, why, and when Apple will roll out Arm-based Macs, including some speculation on how apps, Boot Camp, and other features might be impacted.


Apple has been following a multi-step approach to the rollout of Arm-based Macs, which began in 2016 with the inclusion of the T1 coprocessor in the MacBook Pro, which was later updated to the T2 coprocessor. These chips, which are Arm-based and Apple-designed, manage important security and controller functions and have served as important steps in the transition to a machine fully powered by Arm chips.

Unification between iOS and macOS is also something that Apple has been working towards with its Mac Catalyst project. Apple isn’t merging iOS and macOS, but it is aiming for a system that will allow developers to create a single app that will work on all platforms, and its own custom Arm-based chips will further facilitate that goal.

Fudge outlines how Apple used the T1 and T2 chips and its software unification initiatives to prepare for a Mac with an Apple-designed processor, but perhaps the most interesting part of Fudge’s narrative is his speculation about Apple’s next step and what form it will take.

Based on tidbits from supply chain sources, Fudge believes that Apple could revive its now-discontinued MacBook, with a new 12-inch model unveiled as the first Mac with an Apple-designed Arm-based chip. Though hard to believe, he suggests that Apple could even perhaps revive the butterfly keyboard for the machine.

There are rumors that Apple is still working internally to perfect the infamous Butterfly keyboard, and there are also signs that Apple is developing an A14x based processors with 8-12 cores designed specifically for use as the primary processor in a Mac. It makes sense that this model could see the return of the Butterfly keyboard, considering how thin and light it is intended to be, and using an A14x processor would make it will be a very capable, very portable machine, and should give customers a good taste of what is to come.

The 12-inch MacBook could look the same as the retired version, and Fudge says it’s unclear if there will be design changes. There could be 5G connectivity though, and we have heard rumors about Apple bringing cellular connectivity to Macs in some form.


Rumors have suggested that Apple’s eventual goal is to use its Arm-based custom-designed chips in its entire Mac lineup. Bloomberg has said that Apple is currently developing at least three Mac processors that are based on the 5-nanometer A14 chip that will be used in the upcoming iPhone 12 models.

At least one of the three processors is said to be much faster than the A-series chips in iPhones and iPads, and the first Mac processors will have 12 cores, including eight high-performance cores and at least four energy-efficient cores. Apple is also working on a second generation of Mac processors based on the future 3-nanometer A15 chip.

Moving away from Intel chips has many benefits for Apple, including being untethered from Intel’s unreliable release schedule. With its custom-designed chips, Apple can update Macs on its own internal timeline, and, as Fudge points out, with greater technology enhancements than Intel has been able to make.

Arm-based chips will offer many advantages over Intel-based Macs, in addition to allowing Apple to cut ties with Intel. The chips are expected to feature faster performance and reduced power consumption for better battery efficiency, and Bloomberg says internal testing has shown significant gains in graphics performance and apps using artificial intelligence.

Apple’s transition away from Intel’s chips won’t be without difficulties. There’s been a lot of talk about app support and potential issues. Mac App Store apps will run without changes, but apps outside of the App Store could be problematic. Fudge outlines multiple ways that Apple could handle apps when transitioning to custom chips:

– Developer will need to build both x86_64 and ARM version of their app – App Bundles have supported multiple-architecture binaries since the dawn of OS X and the PowerPC transition

– Move to apps being distributed in an architecture-independent manner, as they are on the ‌App Store‌. There is some software changes that are suggestive of this, such as the new architecture in dyld3.

– An x86_64 instruction decoder in silicon – very unlikely due to the significant overhead this would create in the silicon design, and potential licensing issues. (‌ARM‌, being a RISC, “reduced instruction set”, has very few instructions; x86_64 has thousands)

– Server-side ahead-of-time transpilation (converting x86 code to equivalent ‌ARM‌ code) using Notarization submissions – Apple certainly has the compiler chops in the LLVM team to do something like this

– Outright emulation, similar to the approach that was taken in ‌ARM‌ releases of Windows, but received extremely poorly (limited to 32-bit apps, and very very slow)There could be other solutions in the works to fix this but I am not aware of any. This is just me speculating about some of the possibilities.

When it comes to Boot Camp, Fudge believes that because of performance issues and difficulties emulating x86_64 on Arm-based machines, Apple could abandon the functionality entirely until Windows becomes more friendly to the new architecture.

It may take some time for Apple to bring its custom chips to the full Mac lineup, but we could get a hint at what it’s working on behind the scenes as soon as WWDC. Bloomberg recently said that Apple plans to announce its upcoming transition to Arm-based Macs with custom-designed chips at WWDC 2020, and that the first Arm-based Mac will be released in 2021.

As we wait for Apple’s WWDC event on June 22 with the possible Arm-based Mac announcement, Fudge’s full piece exploring Apple’s work on custom chips and its potential future plans is worth checking out, and can be read over on Reddit.

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