topic Re: Apple Card CLI Denial in Credit Card Applications

Apple Card CLI Denial

Jordan23ww — Mon, 08 Feb 2021 18:00:08 GMT

So for those unfamiliar with my Apple Card journey, I had a very hard time getting the Apple Card. I applied and was denied 11 times before they said yes. It took me doing the Apple Shopping Cart trick to finally get approved with a $2100 limit.

Today was my 92nd day with the card. I had already successfully financed in November 2020 and paid off an $1800 M1 chip MacBook Pro in 3 months. I chose a 12 month installment plan but couldn't stand the hit my Fico scores were taking being above 90% utilization so I wound up paying it off super early.

I knew with all the struggles I went through to get the card, it might make it harder for me to get a limit increase but I figured since it was a soft pull I'd go for it.

Now the first reason I was denied (recently past due) is the same reason I kept getting denied for the card. I know exactly what they're referring to. An old student loan. I haven't missed a payment in over 2 years though. Before I got to the 2 year mark though my monthly credit report would always list recently past due as a factor. Since I got to 24 months though it never states that.

The other reasons don't make complete sense to me since I spent over $2000 on the card and have paid it all off. Granted my card is still new, I'll give them that, but to add with that reason that I haven't paid off enough of my card limit over time. My balance is $0, it was $1890 back in November.

Oh well, I guess I'll keep trying periodically! I really want to buy an iPhone 12 but don't want to go through more score penalties for having high utilization! I could buy the iPhone in cash or with another card and pay it off but that would defeat the purpose of me getting the Apple Card. Hoping to get to $10,000 for my limit so I can freely shop at Apple and always have the option to pay it off immediately or do an installment with no Fico score penalty!

Re: Apple Card CLI Denial

Rebuild2019 — Mon, 08 Feb 2021 17:30:47 GMT

Sorry you CLI was denied. Hang in there.

Re: Apple Card CLI Denial

Jordan23ww — Mon, 08 Feb 2021 17:55:43 GMT

@Rebuild2019 wrote:
Sorry you CLI was denied. Hang in there.

Thank you! I appreciate it!

Re: Apple Card CLI Denial

Anonymous — Mon, 08 Feb 2021 21:08:15 GMT

I picked up the apple card back in july2020 with only one 30 day late in January 2020 (stupid mistake) No other baddies. They gave me the card $3000sl. I didnt ask for an increase until a couple weeks ago but they doubled it to 6k. I do pay it off to $0 every month. TU fico 9 is 776 ( I think thats what they SP) I would say hank in there it will come.

Re: Apple Card CLI Denial

Jordan23ww — Tue, 09 Feb 2021 01:34:29 GMT

@Anonymous wrote:
I picked up the apple card back in july2020 with only one 30 day late in January 2020 (stupid mistake) No other baddies. They gave me the card $3000sl. I didnt ask for an increase until a couple weeks ago but they doubled it to 6k. I do pay it off to $0 every month. TU fico 9 is 776 ( I think thats what they SP) I would say hank in there it will come.

Thank you so much for the info! Will do!

Re: Apple Card CLI Denial

Jordan23ww — Tue, 09 Feb 2021 01:54:52 GMT

@Anonymous wrote:
I picked up the apple card back in july2020 with only one 30 day late in January 2020 (stupid mistake) No other baddies. They gave me the card $3000sl. I didnt ask for an increase until a couple weeks ago but they doubled it to 6k. I do pay it off to $0 every month. TU fico 9 is 776 ( I think thats what they SP) I would say hank in there it will come.

If it is not too personal might I ask how much you usually spent on your card each month. I've seen some people say to spend 20-25% of your limit each month in order to have a better shot at a limit increase.

Re: Apple Card CLI Denial

Anonymous — Tue, 09 Feb 2021 03:33:50 GMT

I used it for a 2k apple product one month and paid off. Other than that just around $150-$200. I only got it for future financing on apple so trying to spend just enough to get the credit increase but have better cards for daily use.

Re: Apple Card CLI Denial

Jordan23ww — Wed, 10 Feb 2021 03:10:57 GMT

@Anonymous wrote:
I used it for a 2k apple product one month and paid off. Other than that just around $150-$200. I only got it for future financing on apple so trying to spend just enough to get the credit increase but have better cards for daily use.

Thank you so much for the info! I appreciate it!

Re: Apple Card CLI Denial

JoeLuvsHisCredit — Wed, 10 Feb 2021 04:29:03 GMT

Sorry

Re: Apple Card CLI Denial

Aim_High — Wed, 10 Feb 2021 21:58:59 GMT

Sorry to hear of your Apple Card CLI Denial, @Jordan23ww.

They can be a tough nut to crack but keep trying!

And thanks for giving back the data points to the community even though it was unsuccesful!

Re: Apple Card CLI Denial

Jordan23ww — Thu, 11 Feb 2021 18:44:25 GMT

@JoeLuvsHisCredit wrote:
Sorry

Thank you!

Re: Apple Card CLI Denial

Jordan23ww — Thu, 11 Feb 2021 18:46:05 GMT

@Aim_High wrote:
Sorry to hear of your Apple Card CLI Denial, @Jordan23ww.
They can be a tough nut to crack but keep trying!
And thanks for giving back the data points to the community even though it was unsuccesful!

Thank you so much! I will keep trying and will update everyone once I do get a CLI! Also you're welcome, happy to share these data points!

Re: Apple Card CLI Denial

SFLSpotter9210 — Thu, 11 Feb 2021 19:02:58 GMT

Sorry to hear about your CLI denial. GS in my opinion is a tough nut to crack. I just got a denial today and the reasons are your not using enough of your credit limit and not paying enough on your payments, that was odd as I'm paying the statement balance every month. And my score was a 771 from January 20th Fico 9 to be exact. Ehh you win some you lose some. I told the csr I'm not going to max my account out to purchase a new iPhone 12 max and a MacBook Pro I'll just have to put it on another card thank you very much lol. Hey just keep trying eventually you'll get something I imagine we always do right? Have a great day and be safe.

Re: Apple Card CLI Denial

Jordan23ww — Thu, 11 Feb 2021 20:42:09 GMT

@SFLSpotter9210 wrote:
Sorry to hear about your CLI denial. GS in my opinion is a tough nut to crack. I just got a denial today and the reasons are your not using enough of your credit limit and not paying enough on your payments, that was odd as I'm paying the statement balance every month. And my score was a 771 from January 20th Fico 9 to be exact. Ehh you win some you lose some. I told the csr I'm not going to max my account out to purchase a new iPhone 12 max and a MacBook Pro I'll just have to put it on another card thank you very much lol. Hey just keep trying eventually you'll get something I imagine we always do right? Have a great day and be safe.

Thank you so much for sharing your experience and all the kind words. I definitely will keep trying. They hit you with 2 of the 3 reasons they gave me.

I agree with you, I don't want to max out my card to buy an iPhone or to buy another MacBook, which I actually need to do. I worked hard to get my scores where they are and I hated losing the points for high utilization when I first got the card and financed a MacBook.

Like you I also pay my balances off each month and have other cards I could put these items on without it hurting my utilization if I wanted to spread out my payments over time. Just off the top of my head I have 6 other cards with 0% APR promos I could do this with. In fact last spring I did do that buying 2 Apple Watches and an iPad and paid them off within a month. That was money I would've gladly given Apple and Goldman Sachs if at the time I had an Apple Card but back then I couldn't get approved. Anyway I've done enough ranting😂, thank you again! I hope you stay safe too!

Re: Apple Card CLI Denial

Anonymous — Tue, 11 May 2021 13:37:48 GMT

First post, just wanted to share that it's pretty clear GS / Apple are wanting users to only request CLIs if they're hitting their limit. I am not a revolver, nor do I get close to even 50% of my CL every montn on AppleCard.

9/2019 - $3,000 limit on application

12/2020 - Request sent with increase granted of $5500

5/2021 - Request sent with increase denial

I also noticed on my credit report, GS never put in a hard pull in December. Fico @ 9 / 724. Reason for denial, "You have not used and paid enough of your Apple Card credit limit since your last credit limit increase"

It's a bot on the chat so no way to really tell them I'm going to do a big purchase or anything like that that I could tell.

Re: Apple Card CLI Denial

Johnmccoy2710 — Wed, 12 May 2021 17:46:34 GMT

Is the CLI a hard or soft pull?

Re: Apple Card CLI Denial

Jordan23ww — Wed, 12 May 2021 19:22:34 GMT

@Johnmccoy2710 wrote:
Is the CLI a hard or soft pull?

It's a soft pull.