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Apple Card CLI - HOW?

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JFoBoston
Established Member

Apple Card CLI - HOW?

Just wondering if folks are seeing links to request a CLI?  I've searched for it on my wallet and don't see any visible options.  Also, is it a Hard Pull?

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9 REPLIES 9
Anonymous
Not applicable

Re: Apple Card CLI - HOW?

Tap the "..." and then send a message saying you'd like to request a credit limit increase. You'll get an auto-reply that will walk you through the process.

 

Edit: not a hard pull

Message 2 of 10
pinkandgrey
Senior Contributor

Re: Apple Card CLI - HOW?

You have to use the "Message" feature. Just act like you're chatting and ask about an increase. It's a SP. 

 

Good luck!

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Message 3 of 10
Loquat
Moderator Emeritus

Re: Apple Card CLI - HOW?

As others have mentioned, using the message app is the best way to go about submitting a request for increase.

I haven't experienced a HP when asking for a CLI. However I will caution like most things related to credit, there's always a chance I guess.

Usually you'll get an auto response though there was once when I actually had a person respond to my request because the automated system for some reason couldn't handle it.
Message 4 of 10
Aim_High
Super Contributor

Re: Apple Card CLI - HOW?

It's a very simple process as described above.  I think the initial responses may be fully automated instead of typed but it does the trick.  The whole thing looks like this and takes just about three minutes.  They send you a form to update income and then you submit it back to them through the chat window.  Smiley Happy  Let me know if you have questions. 

 

Apple_Card_Chat_CLI_40K.jpg

 

 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 5 of 10
1GaDawg85
Valued Contributor

Re: Apple Card CLI - HOW?


@Aim_High wrote:

It's a very simple process as described above.  I think the initial responses may be fully automated instead of typed but it does the trick.  The whole thing looks like this and takes just about three minutes.  They send you a form to update income and then you submit it back to them through the chat window.  Smiley Happy  Let me know if you have questions. 

 

Apple_Card_Chat_CLI_40K.jpg

 

 


They are automated 100%. Very rare to get a human on there unless you specifically say so 


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 6 of 10
pakratus
Contributor

Re: Apple Card CLI - HOW?

When I requested the second time, I didn't even notice it was automated.  I requested, it responded, I asked if I should include stocks in my income and the system kicked me to a person.  That's when I realized it was automated...

Message 7 of 10
Tinkiegrrl
Valued Member

Re: Apple Card CLI - HOW?

It's super easy with the message system in the Apple Wallet app. They just gave me an increase from $4400 to $7400 this month, and I'm pretty much brand spanking new to credit. I only have 9 months of credit history.

Message 8 of 10
Anonymous
Not applicable

Re: Apple Card CLI - HOW?

How long should I wait before requesting a CLI with them? Only had it since late November but looking ahead. 

Message 9 of 10
Aim_High
Super Contributor

Re: Apple Card CLI - HOW?


@Anonymous wrote:

How long should I wait before requesting a CLI with them? Only had it since late November but looking ahead. 


@Anonymous, it just depends based on overall profile and moreover, your usage and payment history on the Apple card.  The minimum for any CLI increment is 90 days, so about March 1 should be 91 days.  You can calculate it exactly at this online calculator HERE.

 

Just remember that they'll want to see significant relative usage of the current CL, and about 25% to 30% spend-and-pay appears to be the minimum.  So if you have a $1K SL, you'd want to run up at least about $300 over three months or about $100 a month.  More spend may yield higher increases.  If your SL is $3K, that would mean you'd need to spend about $300 per month or more over three months ($1K total) if you're working it hard.  If it takes you five months in that situation to meet the $1K spend, I'd just wait until I had about that much spend history before expecting an increase.  If you're spending 100% or more of the CL every 90 days, it can grow like wildfire.   But of course don't spend more than you can safely pay off.  It's not necessary to carry a balance.


Business Cards


Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 10 of 10
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