Soli

Your 13 characters is surely more entropy than the average person, but you can get even more secure with an even shorter passcode if you do use what i call "extra special" characters in your passcode. Those are the long-press characters that Xed mentions in an earlier comment. I'll talk about these further down.

If you use the "typical" character palette of upper case letters (26), lower case letters (26), numbers (10), you have 62 options per character, but why not use all those "special characters" that are also available which I think bring you another 35 options for a total of 107 options that work great on the iOS keyboard, which is more than any website will allow.

That means a 6-character passcode would be 107^6 for a total of 1.5 TRILLION possible combinations compared to a 6-digit PIN which is 10^6 for a total of 1 MILLION options. It really doesn't take much longer to input and because of Touch ID and Face ID not requiring you to unlock with your passcode constantly there's no reason not to have a more secure one.

If non-alphanumerics for passwords, like punctuation and other non-alphanumeric characters, are referred to as "special characters" I've deemed the much richer palette of characters available for the long-hold on the iOS virtual keyboard as "very special characters."

For example, if you hold down the 'a' key on at the American English iOS keyboard (same for macOS, btw), you get the options (à, á, â, ä, æ, ã, å, ā). These are all valid for Apple OS passwords and they're all unique Unicodes so they won't be registered just the letter 'a'. But not all have so many options on the long-press. The ampersand (&), for example, only has the section sign (§) as an option.

By my last count of the American English iOS keyboard there are 210 options. That means that a 4-character passcode would be 1.944 BILLION options. Moving to 6-characters it's now 85.8 TRILLION. Your 13 character passcode will have 1.54 nonillion possibilities (1,540,000,000,000,000,000,000,000,000,000) if you were to include just at least one "extra special character" into the mix.

Now imagine how many options it'll have if we include Emoji. I'd wager that some people could remember better with a pictographic password.

PS: It's never a good idea to tell people how long your passcode is because, for example, that eliminates having to try any combination that is more or less than 13 characters. If you're running a system to crack passwords you would start with the most common passwords and then dictionary words before starting from the shortest and going through them in order. Since you told me it's 13 characters I would use dictionary words with a length of 13 characters. High entropy is good, but not knowing what that entropy is is even better. Your 62^13 password possibilities has been changed to 62^13 - 62^12.

that comes from a responsible person not being able to pay their bill on

For those reasons, you may want to pay it earlier in the month. A good time to pay your GS Apple Card around the middle of the month. This is because they seem to report to credit bureaus around the 3rd week of the month. What they report is if you paid on time since the last update, your credit usage, and your credit limit—the last two which tell the bureaus have much of your revolving credit is currently utilized.

This means that even if you pay off your card in full each month, if you use it heavily each month you could have a utilization rate each month that negatively affects your credit score and certainly works against your debt to income ratio if you're trying to make a large purchase, like a house. You can sometimes google this info,z but I've mostly found that I've had to call to find out when my creditors are usually doing the reporting.