PARTICIPANT ELIGIBILITY
In order to be a Participant, a person must:
We may ask you to provide identifying information about the person you would like to add as a Participant. You must have authority or
permission from a Participant to share that information with us and if you share such information you are representing that you do.
PARTICIPANT USE OF THE ACCOUNT
You authorize anyone who you add as a Participant to use your Account, and you authorize us to provide one or more Cards to them for
purposes of making Transactions. You are responsible for any Participant’s use of the Account and for paying us all amounts due on the
Account. The terms of this Agreement apply to each Participant’s use of the Account. You agree to share this Agreement with your
Participant and explain that their use is subject to its terms.
We may discuss and share information about the Account with Participants as appropriate. We may also accept and rely upon any
Participant’s instructions and requests involving the Participant’s use of the Account. For example, we may allow a Participant to access
information about Transactions, order a physical Card, report lost or stolen Cards, and remove themselves from the Account. However,
Participants cannot provide instructions that apply to your use of the Account. For example, we may not allow a Participant to request
changes to your Credit Limit, add or remove other Participants, or close the Account.
Each Co-Owner is jointly and severally responsible for paying us all amounts due on the Account, even if one Co-Owner is unable
or unwilling to pay.
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Unless otherwise required by law, we may contact any Co-Owner individually about the Account and any notice or communication
from us will be effective for the Account when provided to any Co-Owner.
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Any Co-Owner's requests and instructions will apply to the Account. Any instruction or consent provided by a Co-Owner may be
applied to the Account and will be applicable to all Co-Owners and may affect all Participants. For example, we will honor a Co-
Owner's requests to increase the Credit Limit (if the Account is eligible), add a Participant, redeem Daily Cash, request Account
information, update information provided to us, receive a credit balance refund, and exercise any other rights under this
Agreement. If we receive different or inconsistent requests or instructions from Co-Owners, we may accept or reject any request
or instruction from any Co-Owner in our sole discretion. We may also choose to not obtain consent from all Co-Owners.
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Co-Owners may have access to information about each other’s use of the Account. If you used the Account as an individual before
sharing it as a Co-Owned Account, that information will also be available to any Co-Owner. For example, Co-Owners may receive
information about your Transaction history, payment activity, Payment Source Accounts, disputes, participation in relief
opportunities provided by us, and what we have reported to credit bureaus. Co-Owners may also access any Monthly Statement or
other document relating to the Account (for example, historical information and Monthly Statements about a Co-Owner's individual
Apple Card account before they agreed to a Co-Owned Account).
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Each Co-Owner agrees that the other Co-Owner on the Account is their agent. Each Co-Owner also agrees to be the agent of the
other Co-Owner on the Account. Each Co-Owner has full authority to make payments on each other Co-Owner's behalf from each
Co-Owner's Payment Source Account. Each Co-Owner also agrees that we may rely upon any Co-Owner’s instructions with
respect to the time and amount of an authorized payment.
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DO NOT ADD A PAYMENT SOURCE ACCOUNT IF YOU DO NOT WANT YOUR CO-OWNER TO AUTHORIZE PAYMENTS FROM
SUCH ACCOUNT ON YOUR BEHALF.
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A Co-Owner may not remove themselves or any Co-Owner from a Co-Owned Account. However, a Co-Owner may request to
close the Co-Owned Account and then request a new individual account, subject to our eligibility criteria in effect at the time. If a
Co-Owner obtains a separate account, the Co-Owned Account will be closed. Co-Owners will remain responsible for any balances
owed on the closed Co-Owned Account.
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The information about the Account that we report to credit bureaus will be reported for each Co-Owner as well as Participants if
they are being reported on the Account.
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When the Account is first shared as a Co-Owned Account, you agree and understand that we may continue to process any
recurring payments you have authorized from your Payment Source Account(s) and that the sharing of the Account has no impact
on any existing payment authorization. We may also choose to terminate any or all existing payment authorizations. If both Co-
Owners have recurring payment authorizations in effect at the time the Account is first shared as a Co-Owned Account, you agree
that we may choose to keep one Co-Owner’s payment authorization in effect and terminate the other Co-Owner’s payment
authorization. If we do so, we may also choose which Co-Owner’s payment authorization will remain in effect and which
Co-Owner’s payment authorization will terminate. We will provide notice to each Co-Owner of this decision when the Account is
shared as a Co-Owned Account. You understand that you have the right to receive at least 10 days’ notice before we process any
payment from your Payment Source Account if the payment varies in amount from the preauthorized amount or from the most
recent payment made. If you have authorized recurring payments in the amount of your Account’s Minimum Payment Due or the
Monthly Balance, you agree that we need not provide you such notice for the first payment that is initiated from your Payment
Source Account after your Account is shared as a Co-Owned Account if the amount of such payment is between $0 and the
Monthly Balance due on your Account before it was shared as a Co-Owned Account, as shown on the Monthly Statement issued
before your Account is shared. In no instance will this payment be more than the Monthly Balance due on your Account before it
was shared as a Co-Owned Account, as shown on the Monthly Statement issued before your Account is shared.
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Be at least 13 years of age or older;
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Be a citizen or lawful resident of the United States;
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Have a residential address in the United States (which includes US military addresses);
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Have an Apple ID associated with an iCloud account that is in good standing with Apple;
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Have a valid email address associated with the Apple ID;
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Have Apple’s two-factor authentication turned on for the Apple ID;
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Have an Apple device that has a version of iOS or iPadOS that supports the use of the Account and sharing your Account, has
internet access, has a passcode enabled, and is associated with the Apple ID; and
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Not have Savings.
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