Banking

You just said they are willing to spend money. That doesn't make them able to pay it back. Apple consumers are not wealthy... Hell there's a ton of living in an efficiency apartment, paycheck to paycheck folks that buy every new iphone on release.

Getting approved for a credit card has never been that hard. You just need to be reasonably on top of your debt payments for a while, not over leveraged to a wild degree and they'll give you a new one.