You don’t have a choice if you use Experian or not, Apple uses them to check your credit. There are 4 credit agencies that companies use to check your credit Experian is one of them. Also, you also should have it locked too. You done want someone opening a line of credit in your name. The fact your got denied, you might want to look into why. This can be a red flag that something bad has happened.I don't use Experian or have any of my cards locked. It's just an anomaly that makes no sense. I also have a MasterCard Black that has no credit limit, which is a very hard card to get, but still ... no Apple Card. I just thought it would be a nice addition, but I really don't need it that badly. I'm just baffled why I was turned down lol. I've not been turned down for anything related to finances since like high school.