topic Has the underwriting gotten stricter for the Apple Card recently? in Credit Card Applications

Has the underwriting gotten stricter for the Apple Card recently?

DeeBee78 — Thu, 30 Apr 2026 08:19:58 GMT

I am firmly in the garden until I close on my house in two months, but I like checking preapprovals now and then to see what is out there. In February, my Apple card preapproval came back with a $10K starting limit. When I just checked it now, it came back with a $4k limit. If anything my profile is stronger than it was two months ago, (several recent large SP CLI's on aged accounts).

I know the Apple Card is moving to Chase in a couple of years, which makes me nervous since I burned them (then settled). Who knows if I'll even be allowed to keep it if I do apply for one after closing.

Do you think that tightening lending standards is part of the transistion to Chase?

Re: Has the underwriting gotten stricter for the Apple Card recently?

Tdatb64 — Thu, 30 Apr 2026 09:36:32 GMT

How large were your recent CLIs? Do they add-up to $6G or more? It could be that they pushed your TCL up to the point where $4G is all that's left before you hit the ceiling that GS's algorithm has determined for you based on your scores, history, income, debt load, etc. I suppose it's possible GS might be tightening underwriting (under orders from Apple as part of Apple's new agreement with Chase).

Re: Has the underwriting gotten stricter for the Apple Card recently?

nuriyakaila — Thu, 30 Apr 2026 10:53:49 GMT

Could just be their algo being weird tbh, I’ve seen limits swing like that with no real reason. If you’re 2 months from closing, I wouldn’t poke the credit bear too much.

Re: Has the underwriting gotten stricter for the Apple Card recently?

DeeBee78 — Thu, 30 Apr 2026 15:46:12 GMT

@Tdatb64 wrote:
How large were your recent CLIs? Do they add-up to $6G or more? It could be that they pushed your TCL up to the point where $4G is all that's left before you hit the ceiling that GS's algorithm has determined for you based on your scores, history, income, debt load, etc. I suppose it's possible GS might be tightening underwriting (under orders from Apple as part of Apple's new agreement with Chase).

One was $6k and one was $3600, neither are reporting yet.

Re: Has the underwriting gotten stricter for the Apple Card recently?

crystal626 — Fri, 01 May 2026 23:32:39 GMT

Banks are tightening up as they're expecting the house of cards to fall soon. We are headed straight into a depression if things keep going the way they are. After all, they're saying gas prices could be up over $7 a gallon by the end of summer due to the economic fallout and widespread damage in the Middle East from the Iran war.

Re: Has the underwriting gotten stricter for the Apple Card recently?

ElvisCaprice — Sat, 02 May 2026 17:02:25 GMT

CNBC had an article on just this. About how war/conflict can make lenders tighten standards.

U.S.-Iran war is coming for your credit score, mortgage application