Apple - CLI Denial

[Im-back]

Why? Because I haven't used enough of my existing credit line. 

dang.

[LADave]

I believe credit card denials (including CLI denials) go to the Credit Card Applications forum. If that's correct, someone will come move this thread there soon enough 😂

I haven't received as many (or as generous) Apple CLIs in the last 21 months or so. Perhaps not coincidentally, I also haven't been using it nearly as much in that time as I used to, since I got more flexible cards with the same or better rewards for most of my spending.

[md_rebuild]

I'm wondering too if they're going to put the kibosh on CLIs until they transfer everything to Synchrony.   

[Hockeypnc1]

Are you sure synchrony is taking over?

the article I read today says American Express was an option, but they won't know for 12-15 months. So for now, we are stuck with Goldman Sachs's 

[LADave]

@Hockeypnc1 that's correct. There's been no confirmation of anything, and I doubt that they're close to having an agreement with any bank to take it over.

And it's not as if Goldman Sachs has been a paragon of customer service, nor is it obvious to me that Synchrony would necessarily be worse for most Apple Card customers.

[Hockeypnc1]

Thank you for your reply

its nearly impossible to reach someone 

I do like when you make a payment, it posts right away, which most CCs it will take a day or two. 
I got a 2,500 limit at about 13 percent, and like the card for the most part. But no increases were ever granted for me. 

[Im-back]

Back to topic, anybody else experience same rejuction?

[LADave]

---

@Im-back wrote:

Back to topic, anybody else experience same rejuction?

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I have several times, including in the past week. I have a $4750 limit and put on just over $1K in spend in the 6 months before the  request. The reason given for the CLI denial was that I hadn't used and paid the card enough since the last increase. In the past, they might have approved at least a small increase for the amount amount of spend I put on it, but I don't really blame them for not approving the request. 

My FICO 9 score in the CLI denial email was 710.

[Hockeypnc1]

The topic was never swayed away from, we both said that we got rejected for increases 

[NoMoreE46]

I have gotten this denial reason which is accurate.  IIRC, anecdotal data shows that 20 to 30 % usage yields a CLI.

@Aim_High  has been Apple Card CLI guru.