Apple Card CLI - Denied

[Gunnerboy]

Requested an increase this past hour. Denied.

Current CL: $6,500  APR: 17.49%

Last request was 12/5/2019.

Per the denial reasons, it seems they're concerned about the ~$700 I still owe on my iPhone 11 that I'm financing with 0% interest.

Also, like last time, I still don't put enough spend on the card.

I"m cool. Just thought maybe their UW changed recently.

[Anonymous]

Sorry to hear. Try again once your phone is paid off. 

[CerebralZulu]

828 and a no go, sorry to read that. At least you have one. When I applied they couldn't verify my identity. Better luck on the next request.

[Anonymous]

~$700 is still over 10% of that card's total utilization. If I were you, I'd reach out and see how much needs to be paid off before they would even consider it. Also it's odd they pulled a credit score despite denying you for something they would have already known themselves without the score.

[Jnbmom]

---

@Anonymous wrote:

~$700 is still over 10% of that card's total utilization. If I were you, I'd reach out and see how much needs to be paid off before they would even consider it. Also it's odd they pulled a credit score despite denying you for something they would have already known themselves without the score.

---

That's not odd, they have to list a reason for denial.

[Anonymous]

Sorry to hear about your denial 

[Anonymous]

Bummer. I was hoping to hear you got a CLI.

[Spotsy]

My current limit is 30k....which I am happy with...but asked for a CLI anyways.  It was denied because my credit score had decreased from when I was approved back in August of 2019.  It went from 797 to 793.  Go figure....