topic Re: Apple Card Credit Increase question in Credit Card Applications

Apple Card Credit Increase question

Coffeelover2020 — Mon, 18 Oct 2021 05:00:08 GMT

Hello,

I've had my Apple Card for four months. I applied for the CLI at the 91-day mark with a no-go. Just requested the increase again, but updated my income that is different from application income. Did not get an instant denial like last time. Just some jumbo about how they need more time to review the information and it can take up to three days.

Is this the same as another rejection?

Apple Card CLI question

Coffeelover2020 — Mon, 18 Oct 2021 04:42:06 GMT

Had this Apple card for 4 months or so. I applied for an increase at like 91 day or so. Got denied. So, I just applied again- but i have made significantly more money in bonuses that I've increased my income from what it was at time of application. I did not get a decision- but a message that says "We need some more time to review your request for a credit line increase. This may take up to three days".

What does this mean? Is this rejection lol?

Re: Apple Card CLI question

dcp0524 — Mon, 18 Oct 2021 07:13:22 GMT

@Coffeelover2020 wrote:
Had this Apple card for 4 months or so. I applied for an increase at like 91 day or so. Got denied. So, I just applied again- but i have made significantly more money in bonuses that I've increased my income from what it was at time of application. I did not get a decision- but a message that says "We need some more time to review your request for a credit line increase. This may take up to three days".

What does this mean? Is this rejection lol?

My CLI went for further review and was eventually approved. It was only increased $750 😂 but I suspect that's bc I had recently moved to a clean credit file with pretty decent scores so I got a lot of new cards in a short timespan and ditched some of my older subprime cards. As always YMMV. GL and let us know what happens.

Re: Apple Card CLI question

Coffeelover2020 — Mon, 18 Oct 2021 05:08:27 GMT

Thank you. I will do- I am optimistic but curious. My scores have gone up and my profile is clean. I'll wait and see.

Re: Apple Card Credit Increase question

Anonymous — Mon, 18 Oct 2021 09:11:54 GMT

@Coffeelover2020 wrote:
Hello,

I've had my Apple Card for four months. I applied for the CLI at the 91-day mark with a no-go. Just requested the increase again, but updated my income that is different from application income. Did not get an instant denial like last time. Just some jumbo about how they need more time to review the information and it can take up to three days.

Is this the same as another rejection?

It is not the same, it can go either way. Please let us know the outcome

thanks

Mark

Re: Apple Card CLI question

Anonymous — Mon, 18 Oct 2021 09:15:31 GMT

It is not a denial at this point. Their reviews are real so it can go either way. 50/50 so just keep your fingers crossed and let us know the outcome.

Thanks

Mark

Re: Apple Card CLI question

Anonymous — Mon, 18 Oct 2021 09:31:59 GMT

@Coffeelover2020 , please refrain from cross-posting the same question in multiple forums as it tends to duplicate and dilute the responses. MyFICO ToS requests one topic, one posting.

Thank you for understanding.

Re: Apple Card CLI question

Anonymous — Mon, 18 Oct 2021 16:33:49 GMT

I got the same message a couple of weeks ago. Ultimately was denied due to "lack of use and payment on account."

I put about $800 on the card over the last three months with a current balance of $350. They like use and payments.

Re: Apple Card CLI question

CreditPacMan — Tue, 19 Oct 2021 14:06:32 GMT

@Anonymous wrote:
I got the same message a couple of weeks ago. Ultimately was denied due to "lack of use and payment on account."
I put about $800 on the card over the last three months with a current balance of $350. They like use and payments.

@Anonymous I experienced the same. I had a $300 balance when I was denied due to "small payments". Paid the balance, requested again. It went to review and was eventually approved.

Re: Apple Card CLI question

Coffeelover2020 — Sat, 23 Oct 2021 16:55:54 GMT

Well, it's been 5 days since my initial request. I've inquired via chat-they told me it can take longer then the default 3 day message and that they are flooded with requests. Basically, I'll have a response when they are ready.. at this point I have no clue if I'll get approved or denied lol

Re: Apple Card CLI question

biff-henderson — Sat, 23 Oct 2021 17:34:56 GMT

I got the same resonse. When I went back to my acount after the chat the increase was already there. The email showed about 30mins later.

I will say I've put about $3K on it in the 4 months I've had it, and hit that pay slider as often as I could as soon as the charges posted. I suspect that was the trigger for the immediate CLI when I paid off the first charge, and *maybe* helped with this week's CLI.

Good luck tho.

@Coffeelover2020 wrote:
Well, it's been 5 days since my initial request. I've inquired via chat-they told me it can take longer then the default 3 day message and that they are flooded with requests. Basically, I'll have a response when they are ready.. at this point I have no clue if I'll get approved or denied lol

Re: Apple Card Credit Increase question

zeeks87 — Sun, 24 Oct 2021 03:49:29 GMT

It can go both ways ive asked for two credit increase i started out with 8500 and after three months or so i asked for my increase i want to say they gave me 1500 so i took it then the second time around they bumped it to 16k i belive. i checked my balance a month or so ago and they increased it to 19,500 without me asking i do have my wifes iphone on the installment plan and use it quite often for doordash apple store target ect and mostly pay off in full each month

Hope this Helps!!

Re: Apple Card CLI question

NoMoreE46 — Sun, 24 Oct 2021 14:04:35 GMT

My decision (got 1,000 increase) was a few days as well. Spend is a big factor and I spent and PIF like $4500 since my last increase like 2 years ago.

Re: Apple Card CLI question

Coffeelover2020 — Fri, 29 Oct 2021 06:58:30 GMT

Well, 9 days later with no response. I reached out to them stating I haven't heard anything and want to speak to an higher up. The created a complaint and on day 10 they gave me a $750 increase lol. It's better then nothing. I wasn't putting much on the card- maybe 400 a month for 4 months. Paid in full and hit the slider of often. I'll try again in 90 more days lol. Thanks

Re: Apple Card CLI question

FinStar — Fri, 29 Oct 2021 07:22:38 GMT

As the OP has provided an update with their CLI, this thread is now locked and closed to new messages.