topic Re: Finally in with Apple in Credit Card Applications

Finally in with Apple

Aspireto850 — Thu, 23 Oct 2025 05:05:30 GMT

Submitted an application today and finally received an approval for 4500. It's quite a bit lower than what I was expecting so I called Goldman Sachs but it was a no go. If I decline the offer, do any of you know how long I have to wait before I reapply? Thanks

Re: Finally in with Apple

Leo — Thu, 23 Oct 2025 05:41:48 GMT

Can you tell me what your process has been with them? Did you receive previous denials? Do you have a dirty file or a new file?

Re: Finally in with Apple

coldfusion — Thu, 23 Oct 2025 12:18:14 GMT

@Aspireto850 wrote:
Submitted an application today and finally received an approval for 4500. It's quite a bit lower than what I was expecting so I called Goldman Sachs but it was a no go. If I decline the offer, do any of you know how long I have to wait before I reapply? Thanks

As I understand it there's no minimum time limit between applications, only a limit of applying 5 times within a rolling 30 day window.

The question you'd need to answer is how long do you think it will be before you're able to sufficiently address the reasons in your credit profile behind the $4500 approval for Goldman to consider extending an offer high enough for you to find suitable.

Re: Finally in with Apple

Aspireto850 — Thu, 23 Oct 2025 22:35:41 GMT

Just have never received any offers. Not a new file; very established. Do have a few lates from 2019 and 2020.

Re: Finally in with Apple

LivingTheAmericanDream — Fri, 24 Oct 2025 03:01:24 GMT

@Aspireto850 wrote:
Just have never received any offers. Not a new file; very established. Do have a few lates from 2019 and 2020.

Sounds like that would be a consideration with regard to a higher SL. Good luck!

Re: Finally in with Apple

dfwxjer — Fri, 24 Oct 2025 20:32:23 GMT

What credit limit were you expecting?

Re: Finally in with Apple

Zoostation1 — Sat, 25 Oct 2025 22:43:48 GMT

@Aspireto850 You may not see a higher SL until those lates fall off.

Re: Finally in with Apple

Aspireto850 — Fri, 31 Oct 2025 00:13:56 GMT

Minimum of $15k

Re: Finally in with Apple

Total_Synergy — Fri, 31 Oct 2025 15:59:43 GMT

Hi @Aspireto850, congratulations on your new Apple Card! From experiences reported here a $15k SL would be very much on the high side, especially over the past few years since the Goldman Sachs relationship soured and losses from being too generous with SLs have swung the other direction trending toward too stingy. However many folks with similar SLs to yours have doubled their CLs within the 1st year before experiencing increasingly higher % spend requirements to trigger CLIs above $10k. Best of luck in the climb, and we all hope the 'Goldman replacement' will offer more generous CLIs somewhere down the road...

Re: Finally in with Apple

Aspireto850 — Sat, 01 Nov 2025 01:52:05 GMT

Thanks so much for the background info; very helpful!

Re: Finally in with Apple

USMCOne — Sat, 01 Nov 2025 11:56:49 GMT

So one Goldman is on the way out. They can't shake this card fast enough. It has not been determined who will manage it next.

Anyhow take it. Apple Card is one wierd beast imo. They desire a very high churn of spending and paying it off, carrying balances to ever approve more. The card will allow you to go over your maximum credit limit if you are buying Apple gear direct.

For myself the only years I ever got a CLI with them is from financing say a iPhone and paying it off in a couple months. Years I have some spend but am paying it off as it accrues nothing. Recently asked for a CLI and response was not enough utilization with present credit.

Then the other thing...how great is this card anyhow? 2% for everyday purchases 3% for Apple products but Apple products do not cover 99% of your life. Many many many other cards that are superior imo.

If you are veteran good way to save some cash on Apple stuff is google Apple Military Sales 10% off from that, click refurbished at the bottom for additional savings on products and buy Apple gift cards with a Amex Blue Cash Preferred for 6% cash back.

Re: Finally in with Apple

Aspireto850 — Mon, 03 Nov 2025 21:57:47 GMT

Thanks so much

Re: Finally in with Apple

masscredit — Sat, 08 Nov 2025 15:26:50 GMT

I've been trying to increase my Apple card's limit for a few months. It's currently at $6500. Mixed spending on it. Sometimes a few hundred and sometimes a few thousand per month. I keep getting this message - You have not used and paid enough of your Apple Card credit limit since your last credit limit increase.

I actually tried again about 10 minutes before reading this thread. I believe many others get this message too. This is my history with the card -

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

Some people apply while making a purchase. That $4500 limit seems decent and may grow. Or, if you are going to make a purchase of $5000 or more, maybe wait until them to see if you get approved for a higher limit.