topic Re: Apple Card CLI request in Credit Card Applications

Apple Card CLI request

Jnbmom — Sat, 02 Nov 2024 18:33:02 GMT

This card been sitting at 17K for quite some time . I always hit it up since it's SP but always get a NO, citing not enough spend . Put some spend on it last couple of months figured I will try again . NOPE now says too many inquires 5 in last 12 months.

Oh well on to next card

Re: Apple Card CLI request

yam1rts — Sat, 02 Nov 2024 21:38:41 GMT

So according to them, how many inquiries are too many? Do you know how many you had at the moment? HP or SP?

Re: Apple Card CLI request

Jnbmom — Sat, 02 Nov 2024 21:48:42 GMT

Yes as above 5 in last 12 months , 11 total in 2 years . Nobody really pulls TU much for me .

Re: Apple Card CLI request

pakratus — Mon, 04 Nov 2024 15:40:52 GMT

Thanks for posting. I just checked today for a CLI. I have been using my Apple Card a bunch for a few months now and was just denied again.

I found a reddit post from 2023 that a commentor said they were getting denied until they paid off the card. Unclear if he meant once the payment posted or when the $0 statement posted. This makes a little sense as I think the few CLIs I have received are when I haven't used the card at all. I'm going to pay off and stop using the card and try again in 30 days.

Re: Apple Card CLI request

md_rebuild — Tue, 05 Nov 2024 15:42:12 GMT

For me, they've only ever given me CLIs if I hit 40% usage of my CL....which was doable when the CL was $8K, but not now that it's $16K.