Apple Card CL Question

[Repairman]

I know you can apply and with a SP they will tell you if you're approved and for what limit, but I'm curious does it ask you during the SP application process what CL you're interested in? I'm only interested in the card to buy Apple products at the 0% interest rate, so it would make no sense for me to get it with a CL too small for what I want to buy. It would seem like they would want to get an idea if you plan on making an Apple  purchase or not. Also, anyone with it, have any luck getting an instant CL increase after approval?

[joltdude]

Nope. you dont get to pick and choose your CL... when you app, they make you an offer with the CL ... you either take it or dont....

Not meaning you cant get a CLI later on but.... it is what it is...

-J

[Repairman]

Thanks. Do you have it, and if so, how do you like it?

[joltdude]

Yes I have it, I like it..but its primarily used for apple purchases and cashback from IPP .... Plan to use it for 0% financing offers on ifruit products.. Also there are occasionally offers such as Tmo and Walgreens pharmacy (Walgreens allows usage of the physical card and still getting the full discount) Currently the best APR tier is 10.99 which i do NOT have.. Family member does... *grrh* .. The part i really like is the management/payment/billing aspect of it....

-J

[Repairman]

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@joltdude wrote:

Yes I have it, I like it..but its primarily used for apple purchases and cashback from IPP .... Plan to use it for 0% financing offers on ifruit products.. Also there are occasionally offers such as Tmo and Walgreens pharmacy (Walgreens allows usage of the physical card and still getting the full discount) Currently the best APR tier is 10.99 which i do NOT have.. Family member does... *grrh* .. The part i really like is the management/payment/billing aspect of it....

-J

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Cool. I would want to use it the same way. If I apply and don't get a suitable CL, do you think I have a chance of getting a higher CL approval if I don't accept the offer and wait 30 or 60 days and apply again (assuming of course something has changed in regards to my credit reporting), or do you think I should just wait the 30 to 60 days and apply once...then?

[joltdude]

If i recall... if you decline the offer, with the button, you are usually forced to wait 30 days now, but you can swipe away the offer vs declining ... and you can still come back and accept the offer, but it wont update for at least 30 days if it is going to.. its been awhile since I apped...

[Repairman]

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@joltdude wrote:

If i recall... if you decline the offer, with the button, you are usually forced to wait 30 days now, but you can swipe away the offer vs declining ... and you can still come back and accept the offer, but it wont update for at least 30 days if it is going to.. its been awhile since I apped...

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DId they provide you with a decent initial CL?

[RootDet]

the initial credit line really does vary and some have gotten $30k plus which is rare. Most forum posts i have seen talk about around $10k or less. 

It is free to try and only a soft pull (unless you accept the offer). It is a much better deal unlike other creditors where it is a hard pull and you get something you do not really like but you're stuck with the approval. 

[NoMoreE46]

According to the sig,  said limit is currently at $6,500.... 

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@Repairman wrote:

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@joltdude wrote:

If i recall... if you decline the offer, with the button, you are usually forced to wait 30 days now, but you can swipe away the offer vs declining ... and you can still come back and accept the offer, but it wont update for at least 30 days if it is going to.. its been awhile since I apped...

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DId they provide you with a decent initial CL?

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