topic Re: Apple Card CLI in Credit Card Approvals

Apple Card CLI

AlanGJP — Mon, 21 Mar 2022 22:13:29 GMT

3rd increase, this time to $11,500.

Data Points:

- No CLI (Denied) until I paid off my existing Apple plans (Day after I went ahead and PIF, was approved without issue)

- Bumped from $7,500

- Usage was around 50% on two Apple POT plans. Have not used the card for a few months - it's primarily used for Apple purchases.

Re: Apple Card CLI

Jordan23ww — Mon, 21 Mar 2022 22:27:14 GMT

Congratulations on your increase!

Re: Apple Card CLI

LADave — Mon, 21 Mar 2022 22:52:24 GMT

@AlanGJP wrote:
3rd increase, this time to $11,500.

Data Points:
- No CLI (Denied) until I paid off my existing Apple plans (Day after I went ahead and PIF, was approved without issue)
- Bumped from $7,500
- Usage was around 50% on two Apple POT plans. Have not used the card for a few months - it's primarily used for Apple purchases.

Congratulations on your nice Apple Card CLI!

Goldman Sachs is known to take usage and payment history into account when granting CLIs for this card. If you were using about 50% of your previous CL (approximately $3,750) between CLIs, that means you got a little better than a 1:1 ratio of usage to CLI increase.

I was recently bumped $1,000 in CLI on my Apple Card after spending and paying off about that much since the previous increase, which means I also got in the neighborhood of a 1:1 ratio of spend-to-CLI.

Also, so we have that data point for knowing what GS is looking for, can you share your TransUnion F8 and/or F9 scores? (GS is known to use TransUnion F9 when granting CLIs.)

Re: Apple Card CLI

CreditAggie — Tue, 22 Mar 2022 00:23:05 GMT

Congratulations on your Apple Card CLI!

Re: Apple Card CLI

AlanGJP — Tue, 22 Mar 2022 05:50:45 GMT

@LADave wrote:
@AlanGJP wrote:
3rd increase, this time to $11,500.

Data Points:
- No CLI (Denied) until I paid off my existing Apple plans (Day after I went ahead and PIF, was approved without issue)
- Bumped from $7,500
- Usage was around 50% on two Apple POT plans. Have not used the card for a few months - it's primarily used for Apple purchases.
Congratulations on your nice Apple Card CLI!

Goldman Sachs is known to take usage and payment history into account when granting CLIs for this card. If you were using about 50% of your previous CL (approximately $3,750) between CLIs, that means you got a little better than a 1:1 ratio of usage to CLI increase.

I was recently bumped $1,000 in CLI on my Apple Card after spending and paying off about that much since the previous increase, which means I also got in the neighborhood of a 1:1 ratio of spend-to-CLI.

Also, so we have that data point for knowing what GS is looking for, can you share your TransUnion F8 and/or F9 scores? (GS is known to use TransUnion F9 when granting CLIs.)

Thanks! Your assumption regarding PIF amount was close enough.

EDIT: Max usage with two active Apple Plans was approx 70% a few months ago. Until this month when I PIF the remainder.

Sure, scores as requested:

TU F8: 755

TU F9: 753

Re: Apple Card CLI

Elpadrino1 — Tue, 22 Mar 2022 00:55:09 GMT

Congratulations on your CLI!!

Re: Apple Card CLI

babygirl1256 — Tue, 22 Mar 2022 03:52:56 GMT

Congrats on your Apple Card CLI.

Re: Apple Card CLI

Reviewers — Tue, 22 Mar 2022 17:42:24 GMT

Congrats on the CLI!