DPs that I've read from reddit community for Apple Card state that it's reccommended that you wait at least 90 days (since the date you last received a CLI)
If it is your first CLI (first CLI since being approved), I don't believe there is any definite rule on how often and how early you can request for one, but most of the time you will get auto-denial due to the reason of "account too new, may be eligible in a few months"
I'm going to gather some DPs regarding whether or not a the first CLI has to be after 90 days or if it's possible to get it earlier if it makes sense to be eligible for it (i.e. credit score increase since date of approval, spending, utilization, etc.)
- I got the card 03/12/21 and i've been requesting for a CLI every week LOL
- The card hasn't even been reported on any of the CRAs yet, but everytime I ask for one, I don't even see Apple/GS show up as "soft inquiries" on my TU report and that's probably why I'm getting the "account too new" because they haven't pulled any up to date TU data
Also regarding the auto-CLI, it seems that it's for people who had have the card for a while and they usually do it during the holidays or when they're about to release new Apple products. Although, I did read on reddit that one person received an auto-CLI, despite only having the card for 10 days, so it may just vary on credit profile.
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@Anonymous wrote:
@bicboiOD wrote:DPs that I've read from reddit community for Apple Card state that it's reccommended that you wait at least 90 days (since the date you last received a CLI)
If it is your first CLI (first CLI since being approved), I don't believe there is any definite rule on how often and how early you can request for one, but most of the time you will get auto-denial due to the reason of "account too new, may be eligible in a few months"
I'm going to gather some DPs regarding whether or not a the first CLI has to be after 90 days or if it's possible to get it earlier if it makes sense to be eligible for it (i.e. credit score increase since date of approval, spending, utilization, etc.)
- I got the card 03/12/21 and i've been requesting for a CLI every week LOL
- The card hasn't even been reported on any of the CRAs yet, but everytime I ask for one, I don't even see Apple/GS show up as "soft inquiries" on my TU report and that's probably why I'm getting the "account too new" because they haven't pulled any up to date TU data
Also regarding the auto-CLI, it seems that it's for people who had have the card for a while and they usually do it during the holidays or when they're about to release new Apple products. Although, I did read on reddit that one person received an auto-CLI, despite only having the card for 10 days, so it may just vary on credit profile.
I got the card on 03/03/2021 it still hasn't reported, the 1st statement just cut hopefully it will report soon . I currently have an installment balance from ordering the 12 pro max , my plan is to pay it off or at least more than half before requesting a cli 🤞
Per the GS rep I spoke with via imessage they stated that they "aim to report by the 3rd week of every month", so keep a look out for that otherwise there's another DP that indicates they have an inconsistent basis for reporting dates!
