Apple Card CLI denial

[nuohlac]

I opened the account on 4/5/20 with a $4,000 SL. I have only spent around $100 a month on the card for the last 4 months and usually pay before the statement cuts. It handles the family AppleID subscriptions and purchases; I do nothing else with this card. I requested a CLI this morning and was denied. In the AA letter GS cites the lack of credit limit usage as reason behind the decision. They also provided a TU F9 score of 768.  It appears usage plays a key factor in obtaining a CLI. @Aim_High this post is for your data recording. 

[blindambition]

Sorry about your CLI denial @nuohlac! I think the sweet spot was 25%. If I remember correctly, according to @Aim_High calculations. So about $600 short.

Thanks for the DP! I hope you get the next one!! 😊 

[AllZero]

That is unfortunate. Hope you get approved next time.

[M_Smart007]

Hi @nuohlac , Sorry for your CLI denial

Looks like you need just a little more usage.

[cashorcharge]

---

@blindambition wrote:

Sorry about your CLI denial @nuohlac! I think the sweet spot was 25%. If I remember correctly, according to @Aim_High calculations. So about $600 short.

Thanks for the DP! I hope you get the next one!! 😊 

---

This is true! And yes @Aim_High has some great DP's. Usage needs to be about 20-25% per month to see progress with them. I have been about 20% since last year when I got it. Asked for my first CLI after reading the DP's provided and got a 25% CLI last month 

[nuohlac]

---

@blindambition wrote:

Sorry about your CLI denial @nuohlac! I think the sweet spot was 25%. If I remember correctly, according to @Aim_High calculations. So about $600 short.

Thanks for the DP! I hope you get the next one!! 😊 

---

Thanks @blindambition @cashorcharge @M_Smart007 @AllZero  They will never get that from me 

[Meanmchine]

Double your spending ($200/mo) and give it a try again in a couple months

Good luck

[Trooper2003]

Hey , I just credit line increase from 3000 to 4500 just got it last month I was putting 180 a month a paying it Off I would about transactions a month I got the increase at the 6 month mark , I was denied previous at the 3 month mark so I think 6 month mark along with more than 1 transaction gets you a increase. I hope that helps

[Anonymous]

does apple card do a HP for CLI?

[Trooper2003]

They do a a soft pull at first and they tell what your credit line is going to be and your apr. then if you accept it's a hard pull