topic Re: Apple Card CLI in Credit Card Approvals

Apple Card CLI

Anonymous — Sat, 04 Sep 2021 15:39:49 GMT

Hello everyone!

I finally pulled the trigger on requesting a CLI on my Apple Card after my FICO score went up substantially from all of my baddies dropping off. Sadly enough they only increased my credit limit by $250. Not quite what I had been hoping for. They don't seem to like increasing it by much or they might just have a problem with me.

Re: Apple Card CLI

Anonymous — Sat, 04 Sep 2021 15:42:32 GMT

@Anonymous wrote:
Hello everyone!
I finally pulled the trigger on requesting a CLI on my Apple Card after my FICO score went up substantially from all of my baddies dropping off. Sadly enough they only increased my credit limit by $250. Not quite what I had been hoping for. They don't seem to like increasing it by much or they might just have a problem with me.

Every little bit helps. Congratulations on your 🍏 CLI! 🥳🥳

Re: Apple Card CLI

tparks5961 — Sat, 04 Sep 2021 16:27:07 GMT

Hey Navaster,

The easiest way that I've found you can get an increase with the apple card is to max it out, and pay it off one day before the the statement cuts.

You have a few cards listed.. I would put 100% of my spend on the apple card for a couple of months.. Rather than spreading your spend around to 6-7 cards, use one. Put a small charge on your other cards to keep them active.

Im not sure how much you run through your cards every month.. but focus on one at a time when you want to increase it's limit. Use it heavily, pay it off mid month if you've reached your limit and run it up again.

This has worked for me,

Good luck

Re: Apple Card CLI

Anonymous — Sat, 04 Sep 2021 16:35:47 GMT

@tparks5961 wrote:
Hey Navaster,

The easiest way that I've found you can get an increase with the apple card is to max it out, and pay it off one day before the the statement cuts.

You have a few cards listed.. I would put 100% of my spend on the apple card for a couple of months.. Rather than spreading your spend around to 6-7 cards, use one. Put a small charge on your other cards to keep them active.

Im not sure how much you run through your cards every month.. but focus on one at a time when you want to increase it's limit. Use it heavily, pay it off mid month if you've reached your limit and run it up again.

This has worked for me,

Good luck

Thanks for your suggestion! I am currently traveling abroad, but I will be back home in a few months. I will give your suggestion a try when I am back and need to spend some money.

Re: Apple Card CLI

sourpuss29 — Sat, 04 Sep 2021 17:03:41 GMT

Congrats on your 🍎 limit being increased🎉 As an aside, regardless of how "small" it is, ALL bumps matter.

Re: Apple Card CLI

Elpadrino1 — Sat, 04 Sep 2021 17:27:54 GMT

Congrats on your CLI!!

Re: Apple Card CLI

mrcraft — Sat, 04 Sep 2021 18:49:12 GMT

Congratulations on your CLI!!

I get denied for CLIs with my Apple Card because I don't use it much. This is one lender where spend matters.

Re: Apple Card CLI

CreditAggie — Sat, 04 Sep 2021 19:16:30 GMT

Congratulations on your Apple Card CLI!

Re: Apple Card CLI

beutiful5678 — Sat, 04 Sep 2021 19:17:34 GMT

GS is such a weird, finicky bank. I applied for the card in February when my TU08 score was about 665 and got a $6,000 SL. I did have two HY savings accounts with them but I don't think I had more than $100 combined in the accounts when I applied. Not complaining though, obviously. I just don't know what the secret sauce is.

Re: Apple Card CLI

gdale6 — Sat, 04 Sep 2021 19:37:00 GMT

Something is better than nothing, grats on the move up!

Re: Apple Card CLI

cashorcharge — Sat, 04 Sep 2021 20:56:18 GMT

@tparks5961 wrote:
Hey Navaster,

The easiest way that I've found you can get an increase with the apple card is to max it out, and pay it off one day before the the statement cuts.

You have a few cards listed.. I would put 100% of my spend on the apple card for a couple of months.. Rather than spreading your spend around to 6-7 cards, use one.

THIS! This is the GS Secret Sauce

Congratulations on your Apple CLI approval!! 👏🏼🎉🍾

Re: Apple Card CLI

KingRue8500 — Sat, 04 Sep 2021 21:00:36 GMT

Congrats on your Apple Card CLI

Re: Apple Card CLI

Total80sKid — Sun, 05 Sep 2021 05:09:44 GMT

Congrats on your Apple Card CLI 👍🏼

Re: Apple Card CLI

Anonymous — Sun, 05 Sep 2021 14:02:52 GMT

Congrats!

Re: Apple Card CLI

RehabbingANDBlabbing — Mon, 06 Sep 2021 05:11:25 GMT

Congrats! Yeah, my card started at $1,250 and I have consistently gotten good CLIs every 90 days since I opened it. My TU score isn't amazing, but the report is clean. I can say that I have spent a lot on this card and paid in full. Between subsciptions, Apple Pay, and Apple products, I have used it a lot. For you, I think heavy spend and PIF may just be what you need. Even during months when my score was lower or I had high utilization on my other cards, they still approved me for CLIs in the 40%-ish range each time.

Re: Apple Card CLI

SPChaser — Mon, 06 Sep 2021 06:42:17 GMT

Congrats on Apple CLI!