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How to use Apple Card Family in iOS 14.6

A new feature called Apple Card Family lets you share or co-own your card with up to five other people. Here's how to use it.

Believe it or not, there’s already a new iOS update.

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iOS 14.6 might not be as pivotal as its predecessor, which ushered in key changes to user privacy, next-gen controller support, and new Siri voices, but it does offer a couple of new advantages, including...

Apple Card Family

In iOS 14.6, users can now take advantage of Apple Card Family, which lets Apple Card owners share access with up to five other family members. So, if you have at least one person in your life that you trust enough to share a credit card with (good for you, if that’s the case)...

Here’s what you need to do...

Family sharing

First, make sure whoever you’re sharing your account with is part of your family sharing group. If you don’t have Family Sharing set up, you can go to “Settings” on your iOS device, tap “Family Sharing,” then “Add member,” and then follow the instructions to invite your family member via email or iMessage.

Once that’s done, you’ll need to open the Wallet app on your device and tap, “Apple Card,” then tap the “More” button and under “People,” tap “Share My Card” and then “Continue.”

You’ll now be able to select a member of your Family Sharing group to invite by tapping “Invite Someone.”

Next, you’ll need to decide if you want to add a “Co-Owner” or a “Participant.” Co-owners will share and build credit in addition to making payments, while participants can use the card for purchases but won’t have full authority over payments, the ability to build credit, or have access to full account information.

Here’s the full breakdown of each designation according to Apple...

Co-Owners:

- Share responsibility for balance and payments, even if one account co-owner does not pay.

- Build credit together and equally, which means each owner will have credit reported in their own name.

- Use their Apple Card to receive unlimited Daily Cash back on their transactions.

- Add or remove participants and order an Apple Card for participants who are under 18-years-old.

- View participant activity and account co-owner activity.

- Set transaction limits for participants, lock a participant's ability to spend, and receive notifications on participants’ spending.

- Request a credit limit increase.

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Participants:

- Not responsible for payments.

- View their own transactions and information.

- Spend up to the credit limit on the account but may have an optional transaction limit set by account owner or co-owner.

- Immediately use their shared Apple Card and get unlimited Daily Cash on all transactions.

- If they're 18 years or older, they can order their own titanium Apple Card.

- If they're 18 years or older, they can opt-in to build their credit and be reported on the account.

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Once you’ve decided whether you want to invite a co-owner or participants, you’ll provide the requested information, send the invite, and then punch in your passcode, which means...

You’re good to go.

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You can repeat this process to add up to five other family members total (up to five participants or one account co-owner and four participants), though, I imagine most will want to keep their credit card sharing down to a dull roar.

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