topic Re: Apple Card CLI to $30k in Credit Card Approvals

Apple Card CLI to $30k

imaximous — Tue, 06 Oct 2020 16:41:08 GMT

Got this card last August 2019 with a $15k SL.

I requested a CLI sometime towards the end of 2019 and was denied even with heavy spend.

I didn't use it much after that till a couple of months ago when I decided to buy a few Apple products. I'm still carrying about $3k at 0% financing.

Last night, I figured I'd ask for a CLI just for the heck of it and maybe lower its utilization. I applied via text, filled out the form and got a message that it needed to be further reviewed. I assumed another decline.

Today, I got the good news via email that my CL was doubled to $30k. Pretty happy about it. I wasn't expecting that much given that they tend to be stingy from what I've seen.

According to the email, they used TU 9. I don't know what that score is, but TU 8 is 813. Income supports limit.

Re: Apple Card CLI to $30k

PullingMeSoftly — Tue, 06 Oct 2020 16:45:07 GMT

Congrats! That's huge for this card, nicely done

Re: Apple Card CLI to $30k

RSX — Tue, 06 Oct 2020 16:46:08 GMT

nice work - congrats

i got mine last Aug as well - $15k limit

just asked for a CLI after reading your post and got another $2k

Re: Apple Card CLI to $30k

imaximous — Tue, 06 Oct 2020 17:06:28 GMT

@RSX wrote:
nice work - congrats

i got mine last Aug as well - $15k limit
just asked for a CLI after reading your post and got another $2k

Congrats. That's kinda what I was expecting $2k to $5k -- if anything.

I'm thinking that you might've got more if the increase wasn't automatic and got someone to review it.

Re: Apple Card CLI to $30k

coreyb80 — Tue, 06 Oct 2020 18:58:00 GMT

Congrats on the nice bump!

Re: Apple Card CLI to $30k

AllZero — Tue, 06 Oct 2020 19:22:03 GMT

Congratulations on your CLI!

Re: Apple Card CLI to $30k

Aim_High — Tue, 06 Oct 2020 19:28:14 GMT

Congrats @imaximous!

Very nicely done!

Yes, CLI's are tricky with this one but some data points seem to indicate that Goldman Sachs has lightened up a bit in the past year.

... Still, they do love to see that $pend!

Re: Apple Card CLI to $30k

AllZero — Tue, 06 Oct 2020 19:23:15 GMT

@RSX wrote:
nice work - congrats

i got mine last Aug as well - $15k limit
just asked for a CLI after reading your post and got another $2k

Congratulations on your CLI!

Re: Apple Card CLI to $30k

Anonymous — Tue, 06 Oct 2020 19:23:43 GMT

Congratulations on your CLI!

Re: Apple Card CLI to $30k

M_Smart007 — Tue, 06 Oct 2020 19:49:57 GMT

Congrats! ..

Re: Apple Card CLI to $30k

M_Smart007 — Tue, 06 Oct 2020 19:51:33 GMT

@RSX wrote:
nice work - congrats

i got mine last Aug as well - $15k limit
just asked for a CLI after reading your post and got another $2k

@RSX, Congratulations on your CLI

Re: Apple Card CLI to $30k

mrcraft — Tue, 06 Oct 2020 20:17:27 GMT

Congratulations on your CLI!! Very nice.

Re: Apple Card CLI to $30k

MyFault — Tue, 06 Oct 2020 20:35:19 GMT

Congrats on your apple CLI!

Re: Apple Card CLI to $30k

gdale6 — Tue, 06 Oct 2020 21:27:34 GMT

Pretty nice total CL, grats on the increase!!

Re: Apple Card CLI to $30k

imaximous — Tue, 06 Oct 2020 21:40:52 GMT

@Aim_High wrote:
Congrats @imaximous!
Very nicely done!
Yes, CLI's are tricky with this one but some data points seem to indicate that Goldman Sachs has lightened up a bit in the past year.
... Still, they do love to see that $pend!

@Aim_High Thanks bud...

They got their spend alright. I just wish they'd allow AUs on this card.

Thanks everyone!

Re: Apple Card CLI to $30k

pinkandgrey — Tue, 06 Oct 2020 21:56:24 GMT

What the what??

As if 15k weren't already an incredible limit for this card!

Lol HUGE congrats!!!

Re: Apple Card CLI to $30k

cashorcharge — Tue, 06 Oct 2020 22:33:52 GMT

Congratulations on your CLI! I haven't heard of someone doubling their limit with a CLI before on this card. Way to go!

Re: Apple Card CLI to $30k

NoMoreE46 — Wed, 07 Oct 2020 00:21:14 GMT

@cashorcharge wrote:
Congratulations on your CLI! I haven't heard of someone doubling their limit with a CLI before on this card. Way to go!

I too have doubled my limit but mine was via 3 increases in a year.

Correction- @imaximous did it in a more efficient way.

Re: Apple Card CLI to $30k

imaximous — Wed, 07 Oct 2020 00:25:25 GMT

Thanks! I suppose it all comes down to the limit you have to begin with. I've seen people with $40k limits, so doubling that may not be feasible or very difficult. But if you have a lower limit, it's definitely more doable.

Re: Apple Card CLI to $30k

NoMoreE46 — Fri, 16 Oct 2020 17:27:55 GMT

@imaximous

True dat.
My SL was $6500 in Aug '19 and had increases to:
$7500 Dec '19

$10000 Apr '20

to $13000 in Aug.