Apple CLI - Denial

[SDMarik]

It's been a little under 6 months since my last CLI with apple, so I got on a CSR chat and asked them what Apples policy is on time between limit increases. She said "There is no pre-determined limit, it depends on the applicants card history and credit" 

I pulled the trigger...denied..reason was "You have recently received a credit limit increase on your Apple card"

[pinkandgrey]

This is interesting. There is another recent thread from someone who was told that there is a six-month rule for CLIs from GS Apple. I had mentioned in that thread that one will often get conflicting information from different CSRs and your post here seems to validate that. What is a "hard and fast" rule for one applicant may not be for another. 

Sorry about the denial, but I'm sure you'll get one sooner or later! 

[M_Smart007]

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@pinkandgrey wrote:

This is interesting. There is another recent thread from someone who was told that there is a six-month rule for CLIs from GS Apple. I had mentioned in that thread that one will often get conflicting information from different CSRs and your post here seems to validate that. What is a "hard and fast" rule for one applicant may not be for another. 

Sorry about the denial, but I'm sure you'll get one sooner or later! 

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@pinkandgrey, Possible that the purse string are tightening at GS ?

"The weakest American borrowers are starting to miss payments and default on their loans, and that is showing up at a surprising place: Goldman Sachs."

[SDMarik]

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@pinkandgrey wrote:

This is interesting. There is another recent thread from someone who was told that there is a six-month rule for CLIs from GS Apple. I had mentioned in that thread that one will often get conflicting information from different CSRs and your post here seems to validate that. What is a "hard and fast" rule for one applicant may not be for another. 

Sorry about the denial, but I'm sure you'll get one sooner or later! 

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Yeah, it's a little annoying because I was like 2 weeks away from the 6 month mark lol. I had the angel on my shoulder tell me "Just wait to be safe" but the CSR was pretty adamant that there was no need to. Should've trusted my gut.

[mortimerwereback]

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@SDMarik wrote:

It's been a little under 6 months since my last CLI with apple, so I got on a CSR chat and asked them what Apples policy is on time between limit increases. She said "There is no pre-determined limit, it depends on the applicants card history and credit" 

I pulled the trigger...denied..reason was "You have recently received a credit limit increase on your Apple card"

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As @pinkandgrey mentioned, the information being given seems to differ with CSRs. I noted in that same thread that I'd called GS and inquired as to CLI timing as well. Was advised that there was not a hard and fast rule for 90 or 180 days, but that it'd be prudent to wait "at least" 90.

[dacv01]

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@SDMarik wrote:

It's been a little under 6 months since my last CLI with apple, so I got on a CSR chat and asked them what Apples policy is on time between limit increases. She said "There is no pre-determined limit, it depends on the applicants card history and credit" 

I pulled the trigger...denied..reason was "You have recently received a credit limit increase on your Apple card"

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It is worht a call to GS- I had this happen after my second CLI- was 102 days. Called and asked for supervisor to review, after 5 minutes got my CLI