I don't know what the Fico score minimum is for GS but mine ranges between 810 and 835 depending on my monthly balance. Fico score will be low if you never borrow any money. The score goes higher if you borrow and pay it back on time. Doesn't seem to be related to whether you paid interest which I try not to do. Last interest I paid on borrowed money was 6 month WF loan to buy my Tesla Model S in 2020. I was planning to pay cash by selling stock but the market crashed due to the COVID scare so I needed a loan until my stock recovered enough to sell it and pay off the loan.That makes sense. I honestly don't know what GS was thinking in the first place though. It's always been said that the Apple Card had really high approval criteria versus other cards. If you're only approving the best group of consumers and they're using the card to buy products that cost $1k-$3k or more on average it wasn't really very smart for them to assume that most of the customers were going to ultimately carry balances past the "free interest" stage.
If they pulled up a history of my credit card use they would have seen that I have never in my life paid a cent of interest to the CC accounts. Never charge more than I am able to pay off before the due date. Back in the 90's I have 22 credit cards that had those zero finance charges for a year or so and you could pay off one card with another they called balance transfer. I financed my business equipment with those cards. When I retired I closed all the cards accounts. Today I have 4 CC accounts that have cash back.