topic Re: Apple Card spending for CLI? in Credit Card Applications

Apple Card spending for CLI?

masscredit — Thu, 10 Jul 2025 15:04:23 GMT

How much spending did you put through your Apple Card to receive a CLI? I've read some posts from people that only use it for their Apple expenses. Some receive increases and some don't. It seems like GS might have tightened up their increases lately. I submitted a request for one this morning. I thought I'd at least see an additional thousand but I received this message -

Your credit limit couldn't be increased at this time because:

- You have not used and paid enough of your Apple Card credit limit since your last credit limit increase.

That wasn't a good way to start my day! Show me some luv!!! Card use has been mixed since the last increase. About $100 some months and up to about $1500 other months. So my next mission is to bump up the limit on this card. I don't need it. I just want it.

How much spending to you put through yours? My card history is -

Apple Card - $2700 (5/8/24) - Auto CLI - $5500 (6/23/24) - Requested CLI - $6500 (1/8/25)

Re: Apple Card spending for CLI?

Jnbmom — Thu, 10 Jul 2025 17:44:58 GMT

I think @Aim_High has a thread awhile back . I want to say atleast 45-50% of your credit line .

I get that excuse ALL the time and finally gave up

Re: Apple Card spending for CLI?

SteamyBean — Fri, 11 Jul 2025 03:06:52 GMT

I got a $2k bump on July 1st, jumping from $3k to $5k. I did put a decent amount of spend on and card was opened in January. I have read the more you spend, and thus the more credit you use, the better your odds. I will cut back until the holidays on it and see if I can get another increase in January.

Re: Apple Card spending for CLI?

USMCOne — Fri, 11 Jul 2025 08:29:07 GMT

Apple card is very similar imo to Capital One. Unless you rack up the debt and pay it off they will always send you that generally. Capital One comes back and says you are not utilizing the credit you already have thank you come again.

In my experience and testing my Apple Card over the years now I find they highly favor you if you finance Apple products and pay them off. They like you racking up 40-50-60% of your available credit and paying it off as well. Apple card will even let you go over your limit if your purchasing Apple stuff. You should migrate for a few months all of your spend over to them while paying it off and see how that goes. 100 a month spend is no reason they probably feel a CLI is warranted.

Re: Apple Card spending for CLI?

biznob — Fri, 11 Jul 2025 14:53:55 GMT

I get that message a lot and i think its an excuse.

I get to expense a lot for my job on my personal credit cards. Usually around 10-15K a month on average. So i charged around 20-30K over a couple of months with my 5K limit at the time and still no increase so i gave up. A few months later i submitted for a CLI and got one for around 1500. Im currently at 10K. I dont recall my starting limit but it was probably around 4K.

Someone mentioned Cap 1. I have a quick silver card that i am sure is bucketed. I did the same thing and no increase either. I have had that card prob 10 years now and never once an increase. I actually closed it a few years back and then earlier this year they sent me a replacement card and somehow repopened my account. Still no CLI's though.

Re: Apple Card spending for CLI?

Lurker22 — Mon, 14 Jul 2025 18:49:53 GMT

I pretty much only put my Apple expenses and occasionally a little more, usually less than $100 run through the account a month and everytime I've asked for a CLI I've been turned down - this month I ran $1300 through (current CLI is 5500) and they gave me an increase.....gee thanks GS for the $500 increase LOL - so new CL is $6K

Re: Apple Card spending for CLI?

dfwxjer — Mon, 14 Jul 2025 20:02:09 GMT

My wife's Apple card has been at $8500 since she opened it years ago. Every month we request an increase, and every month we get the "You haven't used enough of your current CL...".

She keeps it because it's one of her oldest trade lines but I hate it and wish she'd just close it. Instead we charge the monthly iCloud and maybe a random Apple Pay purchase on it.

Re: Apple Card spending for CLI?

pip3man — Wed, 16 Jul 2025 00:42:48 GMT

The secret to Apple's CLI is the account's usage in the 3-6 months leading up to the request for a CLI. Max out or use up to 50% of your current limit and pay in full consistently. That's when you will see a substantial increase. I know this firsthand and it's been tried and tested on the forum - it works. I only got a $1k increase on my most recent request but I only spent $1500 in Jan, $1900 in Feb, $0 in March, $877 in April, $0 in May, $0 in June. Contrast this to my last increase for $3k in October 2024 where I spent $6.6k, $5.8k and $4900 in the last 3 months before the increase. In both cases, the amount of my increase was the average of my spend in the 6 months lookback period. Consistent heavy usage and pay in full does the magic.

Re: Apple Card spending for CLI?

masscredit — Wed, 16 Jul 2025 03:23:08 GMT

It sounds like my card might settle in at the current $6500 limit. The main rewards for this come from purchasing Apple products. I don't have any purchases coming up unless they release another 27" iMac. My phones are usually discounted by my carrier. I'll shift some spending to the card for a few months then just let it ride. The current limit isn't bad but like most, I always want higher.

Re: Apple Card spending for CLI?

AzCreditGuy — Wed, 16 Jul 2025 21:25:15 GMT

My SL was $10k and some of you putting $4k to $6k and only getting $1.5k CLI seems like a waste of time. Ive been rejected for CLI and I just wont put anymore on the card or buy any apple products just for a CLI. I've removed the card from apple and will sock it. I guess mine will be a bucket for $10k

Re: Apple Card spending for CLI?

Im-back — Sun, 03 Aug 2025 03:46:17 GMT

I had a different experience. Started low and regularly asked for increases. I would get the too soo reply. Can't remember but I think it was 60 days???

then it got stuck at 22K. The the not spending enough. So I ran a couple months of expenses through it. Asked for an increase and it went to 28K. Asked again after a while and couple months ago and it popped to 39K..

Re: Apple Card spending for CLI?

Yasselife — Thu, 07 Aug 2025 23:14:31 GMT

Goldman Sachs seems to be looking for heavier and more consistent usage before granting CLIs lately; especially after your last increase. If you’re only putting $100 some months and $1,500 on others; they may see it as inconsistent utilization. People who regularly run a large percentage of their limit (and pay it off) tend to have better luck. If you really want the bump; try using it as your main card for a few months and keep payments strong; then request again after 6 months from your last CLI.

Re: Apple Card spending for CLI?

Mnracer — Thu, 02 Oct 2025 22:46:05 GMT

A couple data points for you:

I've had an Apple card for 3 years....SL was $6K and I used it for a few recurring charges which didn't total more than $200 per month. Asked for a CLI in Jan 2025 and was granted an increase of $500. (6000 to 6500)

Increased my spending over the next 6 months to a total of $12,000 (average of $2,000 per month)

Requested a CLI at the 181 day mark and was granted an increase of $4,000. (6500 to 10500)