So for those unfamiliar with my Apple Card journey, I had a very hard time getting the Apple Card. I applied and was denied 11 times before they said yes. It took me doing the Apple Shopping Cart trick to finally get approved with a $2100 limit.
Today was my 92nd day with the card. I had already successfully financed in November 2020 and paid off an $1800 M1 chip MacBook Pro in 3 months. I chose a 12 month installment plan but couldn't stand the hit my Fico scores were taking being above 90% utilization so I wound up paying it off super early.
I knew with all the struggles I went through to get the card, it might make it harder for me to get a limit increase but I figured since it was a soft pull I'd go for it.
Now the first reason I was denied (recently past due) is the same reason I kept getting denied for the card. I know exactly what they're referring to. An old student loan. I haven't missed a payment in over 2 years though. Before I got to the 2 year mark though my monthly credit report would always list recently past due as a factor. Since I got to 24 months though it never states that.
The other reasons don't make complete sense to me since I spent over $2000 on the card and have paid it all off. Granted my card is still new, I'll give them that, but to add with that reason that I haven't paid off enough of my card limit over time. My balance is $0, it was $1890 back in November.
Oh well, I guess I'll keep trying periodically! I really want to buy an iPhone 12 but don't want to go through more score penalties for having high utilization! I could buy the iPhone in cash or with another card and pay it off but that would defeat the purpose of me getting the Apple Card. Hoping to get to $10,000 for my limit so I can freely shop at Apple and always have the option to pay it off immediately or do an installment with no Fico score penalty!
Sorry you CLI was denied. Hang in there.
@Anonymous wrote:I picked up the apple card back in july2020 with only one 30 day late in January 2020 (stupid mistake) No other baddies. They gave me the card $3000sl. I didnt ask for an increase until a couple weeks ago but they doubled it to 6k. I do pay it off to $0 every month. TU fico 9 is 776 ( I think thats what they SP) I would say hank in there it will come.
Thank you so much for the info! Will do!
@Anonymous wrote:I picked up the apple card back in july2020 with only one 30 day late in January 2020 (stupid mistake) No other baddies. They gave me the card $3000sl. I didnt ask for an increase until a couple weeks ago but they doubled it to 6k. I do pay it off to $0 every month. TU fico 9 is 776 ( I think thats what they SP) I would say hank in there it will come.
If it is not too personal might I ask how much you usually spent on your card each month. I've seen some people say to spend 20-25% of your limit each month in order to have a better shot at a limit increase.
@Anonymous wrote:I used it for a 2k apple product one month and paid off. Other than that just around $150-$200. I only got it for future financing on apple so trying to spend just enough to get the credit increase but have better cards for daily use.
Thank you so much for the info! I appreciate it!
Sorry to hear of your Apple Card CLI Denial, @Jordan23ww. 
They can be a tough nut to crack but keep trying!
And thanks for giving back the data points to the community even though it was unsuccesful!
