topic Re: Apple Card cli decline due to inquiries. in Credit Card Applications

Apple Card cli decline due to inquiries.

Red1Blue — Fri, 18 Mar 2022 13:25:38 GMT

I got this message and cli decline on my Apple card. Did you any one come across this? Any thoughts.

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Goldman Sachs Bank USA could not approve your request for a credit limit increase because:

Your TransUnion credit report shows you've made multiple recent applications for credit, which have resulted in hard inquiries on your credit file

Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions.

Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score (TransUnion FICO® Score 9) as of February 22, 2022: 711

Credit scores range from a low of 300 to a high of 850.

Re: Apple Card cli decline due to inquiries.

Papa_Bear — Fri, 18 Mar 2022 14:07:18 GMT

That's what I currently get, but honestly, I rather it say that then decline me for my BK7.

Re: Apple Card cli decline due to inquiries.

FinStar — Fri, 18 Mar 2022 14:10:51 GMT

There's been DPs on similar declined outcomes @Red1Blue. I mean, they're not wrong, right?

Re: Apple Card cli decline due to inquiries.

Red1Blue — Fri, 18 Mar 2022 14:11:45 GMT

@Papa_Bear wrote:
That's what I currently get, but honestly, I rather it say that then decline me for my BK7.

Hi @Papa_Bear may I ask how many inquires do you have on your TU. I have total 13 on my TU. I have only 8 in the last 12 months. 4 of them from US Bank 2 for unsecuring my secured cards and 2 for increasing the limit on my secured cards. Without those 4 from US Bank I would be only 4 in the last 12 months. Well I can live with out cli from Apple card but I dont understand how many inqs are too many inqs and also how some lenders abuse the Hard Inqs.

Re: Apple Card cli decline due to inquiries.

bigseegar — Fri, 18 Mar 2022 14:14:25 GMT

GS is for sure INQ sensitive from what I've seen. I have the Apple card and have had it a while now. But is was actally offered to me in an email right after it came out. All I had to do was accept. My first CLI was declined for lack of usage which was for sure true. All since have been approved. Next one may not be though because of new cards

Re: Apple Card cli decline due to inquiries.

Red1Blue — Fri, 18 Mar 2022 14:14:31 GMT

@FinStar wrote:
There's been DPs on similar declined outcomes @Red1Blue. I mean, they're not wrong, right?

Hi @FinStar I am not sure what to think. I think GS is changing some of their lending rules after they started issuing the GM Cards. I am sure they are revamping their rules. We will know soon in the future what changes they are making.

Re: Apple Card cli decline due to inquiries.

Papa_Bear — Fri, 18 Mar 2022 14:15:47 GMT

@Red1Blue My current body count is 16/24, 6/12, 4/6.

Re: Apple Card cli decline due to inquiries.

dragontears — Fri, 18 Mar 2022 14:18:56 GMT

@Red1Blue wrote:
@Papa_Bear wrote:
That's what I currently get, but honestly, I rather it say that then decline me for my BK7.
Hi @Papa_Bear may I ask how many inquires do you have on your TU. I have total 13 on my TU. I have only 8 in the last 12 months. 4 of them from US Bank 2 for unsecuring my secured cards and 2 for increasing the limit on my secured cards. Without those 4 from US Bank I would be only 4 in the last 12 months. Well I can live with out cli from Apple card but I dont understand how many inqs are too many inqs and also how some lenders abuse the Hard Inqs.

Lol "only" 8 inquiries less than a year old? I totally see why they wouldn't like that. For the average consumer, that is pretty extensive credit seeking behavior.

Re: Apple Card cli decline due to inquiries.

Red1Blue — Fri, 18 Mar 2022 14:22:10 GMT

@dragontears wrote:
Lol "only" 8 inquiries less than a year old? I totally see why they wouldn't like that. For the average consumer, that is pretty extensive credit seeking behavior.

Hi @dragontears I understand how you feel about it. But 4 inquires are from US Bank alone that deals with my secured cards. Otherwise it is only 4 /12. I am sure they could have done it with soft inqs instead of 4 hard inqs. Any way it is water under the bridge and these inquiries will wash off.

Re: Apple Card cli decline due to inquiries.

FinStar — Fri, 18 Mar 2022 14:22:55 GMT

@Red1Blue wrote:
@FinStar wrote:
There's been DPs on similar declined outcomes @Red1Blue. I mean, they're not wrong, right?
Hi @FinStar I am not sure what to think. I think GS is changing some of their lending rules after they started issuing the GM Cards. I am sure they are revamping their rules. We will know soon in the future what changes they are making.

I don't think they're really changing the rules per se. That specific reason for CLI request has been reported by plenty of members in the past. AI + Algorithms are making the decision. The GM reported denials also have cited similar reasons for not qualifying for an approval. What rules are you sure are being revamped or are you simply speculating?

As far as inquiries go, US Bank is not "abusing" the process - FYI. As far as the 4 HPs you mentioned, you applied for 2 new secured accounts and you attempted to unsecure 2 other USB CCs. That's been their UW policy all along. I realize gardening has been a challenge for you, but you can't blame USB for said HP activities 🤷‍♂️

Re: Apple Card cli decline due to inquiries.

Red1Blue — Fri, 18 Mar 2022 14:30:44 GMT

@FinStar wrote:
As far as inquiries go, US Bank is not "abusing" the process - FYI. As far as the 4 HPs you mentioned, you applied for 2 new secured accounts and you attempted to unsecure 2 other USB CCs. That's been their UW policy all along. I realize gardening has been a challenge for you, but you can't blame USB for said HP activities 🤷‍♂️

Hi @FinStar I am not saying US Bank policy is good or bad. I have 4 more inquires from them on my EX. I dont see 4+4 inqs in 2 weeks period. I am sure many CUs would use the same hard inq for 30 days for several lending decisions. I guess it is what it is. Water under the bridge and these inqs will wash off the report in few months. What I am afraid is end of this year when they try to unsecure my 2 secured cards they will pull another 2-4 hard inqs to add to my report. This is never ending torture. I might let them keep my money for few more months and do not ask for them unsecure my $10k cards I have with them and not add more hard inqs on my reports. Any way for now I know how each lender would behave and react.

Re: Apple Card cli decline due to inquiries.

Anonymous — Fri, 18 Mar 2022 15:07:21 GMT

They give me the same reason, i have $2500 limit with a TU Score of 746. i use it for business uber and thats it.

Re: Apple Card cli decline due to inquiries.

Remedios — Fri, 18 Mar 2022 17:59:23 GMT

@Red1Blue wrote:
@FinStar wrote:
As far as inquiries go, US Bank is not "abusing" the process - FYI. As far as the 4 HPs you mentioned, you applied for 2 new secured accounts and you attempted to unsecure 2 other USB CCs. That's been their UW policy all along. I realize gardening has been a challenge for you, but you can't blame USB for said HP activities 🤷‍♂️
Hi @FinStar I am not saying US Bank policy is good or bad. I have 4 more inquires from them on my EX. I dont see 4+4 inqs in 2 weeks period. I am sure many CUs would use the same hard inq for 30 days for several lending decisions. I guess it is what it is. Water under the bridge and these inqs will wash off the report in few months. What I am afraid is end of this year when they try to unsecure my 2 secured cards they will pull another 2-4 hard inqs to add to my report. This is never ending torture. I might let them keep my money for few more months and do not ask for them unsecure my $10k cards I have with them and not add more hard inqs on my reports. Any way for now I know how each lender would behave and react.

No, that is not torture. Torture is something forced upon you, and no one forced you to apply for those accounts.

Also, at the time of applications, you knew there would be HPs, you knew US Bank does not recycle HPs, and you knew graduation will involve HPs.

You weren't complaining when you got those approvals, in fact, untill FNBO stole your heart, those cards were the ones you talked about a lot.

So, that's what you decided on and that wasn't even the end of your applications.

There were more after that, and just because they might be on the different CRA, it doesn't make them invisible.

GS can SP any of your reports and while I'm not iFruit person, every lender does account reviews so they are perfectly aware of your activities.

Didn't you also applied for business cards with HPs on personal report?

You were advised many times that this will be eventual outcome of credit seeking, it was your decision to do things your way, and now lenders are going to do things their way.

It's in your best interest not to ask for increases, apply for accounts, or perform any actions that will bring more attention to your accounts/profile, especially with all the negatives still present. No lender wants to think that they will be left holding the bag, secured cards aren't exempt because of they unsecure, it's no longer your money, it will be theirs.

I'm perfectly aware you'll tell me how it's not important, you're going to garden and such, but instead of doing that, perhaps a good hard look at the situation you've put yourself in is a better option for you.

Re: Apple Card cli decline due to inquiries.

Credit-hoarder — Sat, 19 Mar 2022 00:24:23 GMT

They just declined mine the other day for not paying off my balance fast enough. I got the card last April and the highest balance I've had is around $1200--now it's down to about $400. Been making $100 + payments. Apparently they want it used like a charge card.

Re: Apple Card cli decline due to inquiries.

Drifter73 — Sat, 19 Mar 2022 05:11:25 GMT

I may have missed it. I see the 4/12, but what's your x/6? From what I've been seeing. The x/6 is the most critical, as anything under 6 months Is considered recent. Though each lender is definitely different (e.g. chase 5/24).

Your x/6 data point would be helpful for my own notes.

Re: Apple Card cli decline due to inquiries.

Aim_High — Sat, 19 Mar 2022 05:58:58 GMT

@Red1Blue wrote:
... I have total 13 (inquiries) on my TU. I have only 8 in the last 12 months.
... I dont understand how many inqs are too many inqs ...

I know you've heard it before, @Red1Blue, but that really is a LOT of inquiries for most people. Sure, we have a few outliers on My Fico who seem bullet-proof getting new accounts easily opened with dozens of new inquiries and accounts. Kids, don't try this at home. For the vast majority of us, that simply isn't possible or feasible. How many is too many? It's profile-specific so there is no single answer. High incomes, low debt loading, high FICO, thick and aged credit files are all things that help soften that number. For the average profile, having more than four or five inquiries within 24 months on a single CRB by itself is probably starting to raise eyebrows. The average consumer just doesn't apply for that much credit, so you're drawing negative attention to yourself.

Unfortunately, they don't care that US Bank did four of them. An inquiry is an inquiry.

In 2020, I had eight new accounts within 24 months (and less inquiries per CRB) and started getting turned down for new cards, even with 850 FICOs, high income, 30+ year credit history, low debt, and no baddies. I knew it was time to chill in the garden.

For comparison purposes, today I am:

EQ: 0/6 - 0/12 - 2/24 (*0/24 by May 2022)
EX: 0/6 - 0/12 - 4/24 (*0/24 by Aug 2022)
TU: 0/6 - 0/12 - 1/24 (*0/24 by Jul 2022)

If you want a target, I would suggest allowing yourself no more than 1 or 2 new inquiries per CRB per year. That way, you'll always be 4/24 or less on all three of them. While even that isn't "good", it might prevent these types of denials.

Re: Apple Card cli decline due to inquiries.

MPabs — Wed, 04 Jun 2025 16:19:11 GMT

As a data point, I am still receiving the same declined message despite attempting CLI on a regular monthly basis. Currently, I only have 3 Hard Pulls from Transunion, 2 of which are exactly 5 months old and one that is 6 months and 26 days old. I'm thinking all three would need to be over 6 months before they approve for a CLI.

Re: Apple Card cli decline due to inquiries.

Mfaiz — Thu, 05 Jun 2025 14:23:55 GMT

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