topic Re: Apple Card Denail for High UTI? in Credit Card Applications

Apple Card Denail for High UTI?

Salahh — Sun, 29 Dec 2024 17:29:33 GMT

I've applied for the Apple card 3x in the past two months and keep getting the same denial reason:

"Your credit balance is too high relative to your credit limit"

But the thing is, my UTI is under 3% and has been for many months. The credit score they're sending me is current, but for some reason their UTI data is off.

No derogs, 774 TU. 3% UTI. 1 inq.

Opened a ticket with Apple Card support and spoke to TU, but neither were any help, as it's all an automated system.

Any ideas?

Re: Apple Card Denail for High UTI?

Jnbmom — Sun, 29 Dec 2024 18:11:19 GMT

I have given up on Apple my last denial was for inquires 5 in 12 months isn't excessively high to me .

Re: Apple Card Denail for High UTI?

GZG — Sun, 29 Dec 2024 18:58:55 GMT

@Salahh wrote:
Any ideas?

they just don't like you/your profile right now

what are your limits/balances? 3% can mean a whole bunch of different things

but yeah support is not going to be able to help you or override the denial

you can try going AZEO with one card reporting a balance greater than 0, less than 1% to absoulutely maximimse your your TU FICO 9, but other than that, just keep trying each month and hopefull you'll get in

Re: Apple Card Denail for High UTI?

Salahh — Sun, 29 Dec 2024 19:03:12 GMT

That would make sense.

My total avail credit is $9.5k at the moment, between 3 cards (discover it, nfcu cashrewards, chase freedom flex). Looking to add more cards, but having a hard time getting approved. The discover it is 1 y/o and the other 2 are from the past 2 months.

Re: Apple Card Denail for High UTI?

GZG — Sun, 29 Dec 2024 19:27:22 GMT

@Salahh wrote:
That would make sense.

My total avail credit is $9.5k at the moment, between 3 cards (discover it, nfcu cashrewards, chase freedom flex). Looking to add more cards, but having a hard time getting approved. The discover it is 1 y/o and the other 2 are from the past 2 months.

yeah pick a real denial reason out of that last sentence

too young, too many recent cards etc.

I'd personally add a chase freedom unlimited/chase sapphire preferred or a chase amazon card before you go over 5/24 at some point in the future, give it some time maybe a few months at the very least if not 6+ months

apple card will be there when you want it, it's very likely not going anywhere any time soon

Re: Apple Card Denail for High UTI?

Salahh — Sun, 29 Dec 2024 20:13:25 GMT

Haha, yeah that makes sense.

I wonder why AC doesn't just say it outright? Maybe they don't have the real reason coded..

Appreciate the advice on the 5/24. Will do just that!

Re: Apple Card Denail for High UTI?

SPChaser — Mon, 30 Dec 2024 08:00:15 GMT

@Salahh It's unfortunate to hear about your denial; GS has really tightened up their underwriting. People are getting approved for cards, but long gone are the days of non-stop instant approvals with massive limits.