Apple is launching an interesting new Apple Card program for people who have their application declined. Declined Apple Card applicants may begin seeing notifications on their device 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 to 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. Once a user opts in on their device, they get a once-a-month update on their progress on specific tasks that are personalized to their rating. Examples include: Resolving past due balances. Making payments to secured and unsecured debt accounts on time. Lowering credit card and personal loan debt. The updates also include specific steps to take to improve each of those markers. Once a customer has completed the program, they are invited to reapply to Apple Card. Image Credits: Apple Doubtless the points above seem pretty straightforward to anyone with strong basic knowledge of how credit works.