topic Re: GS Apple Card, I said "yes" in Credit Card Approvals

GS Apple Card, I said "yes"

Openwater — Fri, 13 Nov 2020 17:52:53 GMT

So after multiple times of saying they didn't want me. Now they finally approved me. Not thrilled about the SL, but I know thats GS's M.O.Rate isn't horrible, although meaningless to me since I don't carry balances. I figured I could see how much return I could get on the apple pay 2%. Maybe do some heavy use for the next 91 days or so and see how a CLI goes. It's either this or PCR(which i don't have) for daily driver. I'm using QS right now, but I'm looking for the extra .5%.

DP: They pulled TU - 745

All other stuff on Sig. Utilization <1% TCL

Previous rejections:

08/19 - reason "recently past due" TU -728

** I have not been past due on anything

03/20 - reason "recently past due" TU 715

** Again never been past due

Re: GS Apple Card, I said "yes"

M_Smart007 — Fri, 13 Nov 2020 18:16:00 GMT

Congratulations on your Apple Approval..

Re: GS Apple Card, I said "yes"

coreyb80 — Fri, 13 Nov 2020 18:40:58 GMT

Congrats on the approval!

Re: GS Apple Card, I said "yes"

AllZero — Fri, 13 Nov 2020 18:52:58 GMT

Congratulations on your approval!

Re: GS Apple Card, I said "yes"

gdale6 — Fri, 13 Nov 2020 21:20:22 GMT

Grats on your Apple card

Re: GS Apple Card, I said "yes"

cashorcharge — Fri, 13 Nov 2020 21:27:15 GMT

Congratulations on your success! I hope the "recent past due" was a technical error and not something reporting somewhere.

Re: GS Apple Card, I said "yes"

NoMoreE46 — Fri, 13 Nov 2020 23:03:38 GMT

@Openwater wrote:
So after multiple times of saying they didn't want me. Now they finally approved me. Not thrilled about the SL, but I know thats GS's M.O.Rate isn't horrible, although meaningless to me since I don't carry balances. I figured I could see how much return I could get on the apple pay 2%. Maybe do some heavy use for the next 91 days or so and see how a CLI goes. It's either this or PCR(which i don't have) for daily driver. I'm using QS right now, but I'm looking for the extra .5%.

DP: They pulled TU - 745
All other stuff on Sig. Utilization <1% TCL

Previous rejections:
08/19 - reason "recently past due" TU -728
** I have not been past due on anything

03/20 - reason "recently past due" TU 715
** Again never been past due

@Openwater

Grats.

If you push enough spending thru it, you can double your limit in 12 months. I went from $6500 to $13000 Aug 2019 to Aug 2020 via three CLIs.

Re: GS Apple Card, I said "yes"

CreditAggie — Sat, 14 Nov 2020 00:11:16 GMT

Congratulations on your Apple Card approval!

Re: GS Apple Card, I said "yes"

AverageJoesCredit — Sat, 14 Nov 2020 01:39:19 GMT

@Openwater wrote:
So after multiple times of saying they didn't want me. Now they finally approved me. Not thrilled about the SL, but I know thats GS's M.O.Rate isn't horrible, although meaningless to me since I don't carry balances. I figured I could see how much return I could get on the apple pay 2%. Maybe do some heavy use for the next 91 days or so and see how a CLI goes. It's either this or PCR(which i don't have) for daily driver. I'm using QS right now, but I'm looking for the extra .5%.

DP: They pulled TU - 745
All other stuff on Sig. Utilization <1% TCL

Previous rejections:
08/19 - reason "recently past due" TU -728
** I have not been past due on anything

03/20 - reason "recently past due" TU 715
** Again never been past due

Enjoy your new manzana!

Re: GS Apple Card, I said "yes"

dudefromtx — Sat, 14 Nov 2020 02:50:02 GMT

Congrats on the approval! This card is on my list to get.

Re: GS Apple Card, I said "yes"

mrcraft — Sat, 14 Nov 2020 03:19:26 GMT

Congratulations on your approval!!

Re: GS Apple Card, I said "yes"

Openwater — Sat, 14 Nov 2020 03:58:14 GMT

If you push enough spending thru it, you can double your limit in 12 months. I went from $6500 to $13000 Aug 2019 to Aug 2020 via three CLIs.

Thanks all !

@NoMoreE46

90-120 days per, I'm guessing?

Re: GS Apple Card, I said "yes"

Anonymous — Sat, 14 Nov 2020 16:11:58 GMT

Congrats on your approval!

Re: GS Apple Card, I said "yes"

NoMoreE46 — Sun, 15 Nov 2020 01:46:29 GMT

@Openwater

Yes, every 120 days should be safe, they are SPs. To request the increase: text the Apple Card Support which will send you to a Goldman Sachs BOT. You will answer the questions presented by the BOT.... It's pretty slick actually. BOT will say that decisions will take anywhere from 10 minutes to a few days but usually you know within a minute.

Re: GS Apple Card, I said "yes"

Anonymous — Sat, 14 Nov 2020 18:59:50 GMT

Congratulations

Re: GS Apple Card, I said "yes"

Openwater — Sat, 14 Nov 2020 19:49:27 GMT

@NoMoreE46

Thanks, I'll post the results in a few months.

Re: GS Apple Card, I said "yes"

Openwater — Wed, 17 Feb 2021 03:23:18 GMT

@NoMoreE46

3 months of heavy use 2-3K per month and got 3K CLI

Re: GS Apple Card, I said "yes"

CreditAggie — Wed, 17 Feb 2021 03:26:12 GMT

@Openwater wrote:
@NoMoreE46

3 months of heavy use 2-3K per month and got 3K CLI

Congratulations on your Apple Card CLI!

Re: GS Apple Card, I said "yes"

Fico_Salamanca — Wed, 17 Feb 2021 03:41:24 GMT

Nice, congrats!

Re: GS Apple Card, I said "yes"

NoMoreE46 — Wed, 17 Feb 2021 04:36:00 GMT

60% increase in about three months is so sweet @Openwater .

Heck, at your $2-3k spend/month, you are on track to be at more than 2 * your initial limit in about six months....