Just as an update, I was able to lower my debt below what they wanted it at, so I figured I would try again and see if it would approve me. I was denied again, and received an email telling me "You reapplied for Apple Card before you Path to Apple Card completion date. You were not approved and are still enrolled in your Path to Apple Card program." So I guess they just want me to get a better score? It came up as a 729 and gave me the same "Monthly debt obligations are too high compared to income" so I am not too sure what the exact reasoning GS is giving for denial. I imagine it has something to do with my debt being too much (at $550) or my credit score isn't great enough. Just some more info and DP to add in.
I"ve been trying to get the apple card for a long time, i never got an invite to the path program. Thank you and be safe.
Starting Score: 663
@razzy116 wrote:I"ve been trying to get the apple card for a long time, i never got an invite to the path program. Thank you and be safe.
If I'm being completely honest myself, I have no idea what prompted them to invite me to the program. All it requires is for me to wait until January and keep my debt below $649
Was it just paying down your debt and making on time payments for a specified amount of time?
Agree with @blindambition, you should just apply and see what they say as it will only be a SP. IDK if it would make a difference, but maybe try the SCT? There aren't a ton of DPs on it yet but there have been multiple posts recently of people that were approved using the SCT after being previously denied. It may be a hard no due to the BK, but if they still bite and offer you the path to Apple Card that would be great! A 2% cash back card during a rebuild would be agreat add on to your collection! Either way, good luck and keep us posted with all the DPs! 
