topic Re: Apple CLI - Denial in Credit Card Applications

Apple CLI - Denial

SDMarik — Wed, 05 Oct 2022 13:32:36 GMT

It's been a little under 6 months since my last CLI with apple, so I got on a CSR chat and asked them what Apples policy is on time between limit increases. She said "There is no pre-determined limit, it depends on the applicants card history and credit"

I pulled the trigger...denied..reason was "You have recently received a credit limit increase on your Apple card"

Re: Apple CLI - Denial

pinkandgrey — Wed, 05 Oct 2022 18:42:57 GMT

This is interesting. There is another recent thread from someone who was told that there is a six-month rule for CLIs from GS Apple. I had mentioned in that thread that one will often get conflicting information from different CSRs and your post here seems to validate that. What is a "hard and fast" rule for one applicant may not be for another.

Sorry about the denial, but I'm sure you'll get one sooner or later!

Re: Apple CLI - Denial

M_Smart007 — Wed, 05 Oct 2022 19:39:43 GMT

@pinkandgrey wrote:
This is interesting. There is another recent thread from someone who was told that there is a six-month rule for CLIs from GS Apple. I had mentioned in that thread that one will often get conflicting information from different CSRs and your post here seems to validate that. What is a "hard and fast" rule for one applicant may not be for another.
Sorry about the denial, but I'm sure you'll get one sooner or later!

@pinkandgrey, Possible that the purse string are tightening at GS ?

"The weakest American borrowers are starting to miss payments and default on their loans, and that is showing up at a surprising place: Goldman Sachs."

Re: Apple CLI - Denial

SDMarik — Wed, 05 Oct 2022 21:09:20 GMT

@pinkandgrey wrote:
This is interesting. There is another recent thread from someone who was told that there is a six-month rule for CLIs from GS Apple. I had mentioned in that thread that one will often get conflicting information from different CSRs and your post here seems to validate that. What is a "hard and fast" rule for one applicant may not be for another.
Sorry about the denial, but I'm sure you'll get one sooner or later!

Yeah, it's a little annoying because I was like 2 weeks away from the 6 month mark lol. I had the angel on my shoulder tell me "Just wait to be safe" but the CSR was pretty adamant that there was no need to. Should've trusted my gut.

Re: Apple CLI - Denial

mortimerwereback — Thu, 06 Oct 2022 09:12:24 GMT

@SDMarik wrote:
It's been a little under 6 months since my last CLI with apple, so I got on a CSR chat and asked them what Apples policy is on time between limit increases. She said "There is no pre-determined limit, it depends on the applicants card history and credit"

I pulled the trigger...denied..reason was "You have recently received a credit limit increase on your Apple card"

As @pinkandgrey mentioned, the information being given seems to differ with CSRs. I noted in that same thread that I'd called GS and inquired as to CLI timing as well. Was advised that there was not a hard and fast rule for 90 or 180 days, but that it'd be prudent to wait "at least" 90.

Re: Apple CLI - Denial

dacv01 — Fri, 07 Oct 2022 16:38:49 GMT

@SDMarik wrote:
It's been a little under 6 months since my last CLI with apple, so I got on a CSR chat and asked them what Apples policy is on time between limit increases. She said "There is no pre-determined limit, it depends on the applicants card history and credit"

I pulled the trigger...denied..reason was "You have recently received a credit limit increase on your Apple card"

It is worht a call to GS- I had this happen after my second CLI- was 102 days. Called and asked for supervisor to review, after 5 minutes got my CLI