I'm sorry to hear about your denial! So the answers to both of your questions are yes. You can try again whenever you want but you may want to wait at least a month. Also they usually want a lot of spend on the card before they'll grant an increase. With lower limits they usually want to see you use 20 to 25% of your card's limit. As your limit gets higher into the $10,000 range they seem to like to see about $1500 to $2000+ used around the time you ask.
For me personally I've gotten 3 successful limit increases and a bunch of denials. Every time they've told me yes was after I bought a new Mac. Every other time I have been denied for not spending enough of my current limit. Since I usually use the card from my card collection that has the best multiplier, it's a challenge for me to put a lot of spend on the Apple Card outside of new higher priced Apple products which I'm not buying on a consistent basis. I could spend more if I was ok getting less cash back but so far I haven't been willing to do that.
If you're willing to, try putting as many purchases as you possibly can on the Apple Card for the next 30 days then ask again. Hopefully that will trigger the spend threshold they're looking for. Keep in mind though on the Apple Card website they previously had language stating that it could take as few as 3 months or as long as 6 months before you're eligible for a limit increase. My starting limit was $2100 and it took me 6 months before I got my first Apple Card limit increase. I started asking at 3 months and then every month after that until they finally said yes in month 6. There's also a chance you asked too soon. I've seen a bunch of people ask on day 91 get the same denial reason as you then wait 3 days and get approved. They just asked too soon. Best wishes to you on your future limit increase requests!
@Waldemar wrote:I've had my Apple Card for 91 days now with a starting limit of 2,500.00. I do not carry a balance and PIF each month, with three monthly payments. I requested a CLI on the 91st day the account opened and denied it. I received the message:
Your Apple Card account is new and you have not used and paid off enough of your credit limit over time
So, I don't know how soon I can retry again. I thought I was doing it right, or are they like Capital One, where they want to see extreme credit usage on the card before they give out increases?
The same thing happened to me. In reverse. I got an intial CL of $7.5K, and put all of my monthly spend on it for about 4-5 months. I was hitting anywhere from $3-4K a month on it and PIF. After 6 months I asked for a CLI and got a boost to $11K. I switched over my spend to a different card, but still put a few hundred a month on my Apple card, and the last 2x I've asked for an increase, it's been denied. So my guess is heavy spend will do the trick (35-50% of the CL and PIF each month)
@triplej0718 wrote:Apparently Apple Card changed their CLI rules back in Oct/Nov of 2022. Its 180 days now as oppose to 90 days. I use to get CLI every 90 days until October of last year came around. I got denied twice because they said I just received a CLI recently. I got approved exactly 182 days after my last CLI approval. I went from 15k to 25k in CLI. I'm due for another CLI next month which would be 6 months. Also I believe you have to use at least 25 percent of your Credit Limit every month and pay it down to under 5 percent at statement close to qualify for a CLI.
I concur. Coversation from today...
