How to share Apple Credit card account with family

Apple is known for launching quality-based products having unique features, smartness and creativity. One among them is Apple Card, created by Apple Inc., which is the first credit card for iPhone to help people buy things with Apple Pay or the company’s devices for a better financial lifestyle.

One can track purchases, manage expenses and can build credit together using an Apple Card and it can also be shared with family members. Available only in the United States, the card can be shared with six people for an Apple Card account.

Sharing an Apple Card account with your family:

A person who is above the age of 18 years can be an account co-owner(full responsibility of account balance) and family members who are 13 years or older can be designated as participants.

Participants will be able to see the shared Apple Card but are not responsible for paying the credit card bill. If you want to add a co-owner or participant to the Apple Card, then you must be a member of your Apple Family Sharing Group.

Steps to invite a co-owner to your Apple family sharing group:

Step 1: Open the Wallet app on your iPhone or Apple device and tap on your ‘Apple Card’. On your screen, tap on the ellipsis icon present at the top-right corner.

Step 2: Select ‘Share My Card’ and then tap ‘Continue’ on the Apple Card Family screen.

Step 3: Now, just tap the name of the person whom you want to invite to share the card. If you want that person to become co-owner, choose the ‘Become Co-Owners’ option and enter his/her annual income.

Step 4: Now tap Next and again tap ‘Send Invitation’. The app will reflect that the invitation has been sent and the Apple Card screen shows the status for the other person as ‘Invitation Sent’.

Here’s how you can accept the invitation for an Apple Card:

Step 1: The invited person will receive an invitation via email, and they can open their Wallet app and tap the badge notification present in the upper-right corner. Tap the ‘Apple Card entry’ under pending invitations. Now, tap Continue at the ‘You’re invited’ screen.

Step 2: Before you tap ‘Continue’, make sure you read all the information carefully, confirm it and enter any missing data. Now, tap ‘Next’

Step 3: Now, confirm the address at the next screen and tap ‘Next’ and enter the last four digits of your social security number at the Verify Your Identity screen. Tap ‘Next’.

Step 4: Enter your annual income and tap ‘Next’ and then review the Apple terms and conditions. Tap ‘Agree’ and your application will be submitted to the associated bank.

Step 5: Tap ‘Accept Shared Card’ at your Shared Card Screen. One can also set the new card as the default card by selecting the ‘Set as Preferred Card’ option. The card will be added to your Wallet app for use.

How to invite a participant for Apple Card:

To invite a participant for Apple Card, follow these steps:

Step 1: Open the Wallet app and tap on your Apple Card. On your screen, tap on the ellipsis icon present at the top-right corner. Select ‘Share My Card’ and tap ‘Continue’.

Step 2: Choose the name of the person whom you want to invite to share the Apple Card.

Step 3: Now, choose ‘Add as Participant’ to make any family member a participant. The option will be available if you have already made someone else as co-owner.

Step 4: Depending on the need of your finances, you can select a single-purchase spending limit for the participant, otherwise the participant will be able to spend as much as the account allows.

Step 5: Tap ‘Send Invitation’ at the next screen and then tap ‘Done’. The Apple Card screen will start showing ‘Invitation Sent’.

Who can use an Apple Card?

-You must be a U.S. citizen to be eligible to apply for an Apple Card. A lawful resident with a valid, physical U.S. address can apply for it.

-You must be 18 years of age or older to use an Apple Card.

-The device used for Apple Card must be compatible with Apple Pay and must have the latest version of iOS, macOS or watchOS.

-One must sign in on the device with one’s Apple ID and use two-factor authentication.

-You have to temporarily lift the freeze on your credit report to use an Apple Card.

-To be eligible to apply for an Apple Card, you must verify your identity with a Driver License or state-issued photo ID.

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