One must be an US citizen and have their physical address in the United States. It would be better if you were above eighteen years of age. You must also provide your Photo ID.
Technical Requirements
Any device you are using must be compatible with Apply Pay. You need to have the latest version of iOS. Upon signing in, you will have to do a two-factor authentication.
Apple Credit Score
There is no such mention of anything regarding credit scores. There is no mention for anyone to have an excellent credit score to get Apple Credit card.