Will a soft-pull Apple Card show as a closed account on my credit report if I cancel iPhone purchase?

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Level 1

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Will a soft-pull Apple Card show as a closed account on my credit report if I cancel iPhone purchase?

Hello all, I applied for the Apple Card to get the 17 Pro Max, and I was approved, and I accepted the card with a soft pull. They tried to do a hard pull a couple of hours later but it was blocked because I locked my credit. If I decide not to purchase the iPhone and cancel the card, will the Apple card still show up on my credit report as a closed account even though they did a soft pull?

[Re-Titled by Moderator]

Original Title: Apple Card

Posted on Sep 11, 2025 10:24 AM

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Answer 1

Top-ranking reply

Jeff Donald

Level 8

41,628 points

Sep 11, 2025 10:54 AM in response to Dav0_

Yes, it eventually shows. It might be a month or 2 or longer.

Your locked account stops a hard pull from a creditor that hasn’t reported an open account. Once GS reports an open account (remember you did open account) they have a right to pull your report and also report a closure. A lock/freeze only prevents unverified potential creditors from accessing your report. Once you accepted the account, you granted GS access.

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Answer 2

Sep 11, 2025 10:30 AM in response to Dav0_

Did you unlock your credit and allow the hard pull?

Even if you did, I can't imagine that cancelling a card you've had for only days or weeks is going to have any significant effect on your credit score.

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