Apple Card CLI denial

[CreditCuriosity]

Ya its annoying for sure my limit is 7500 and fico > 800 and good income cant get a CLI with them and to be honest have 3%+ cards such as AOD and others that can handle an apple purchase.   Had the card for 12 months now and i think it is going to get the Axe.  Granted not high spending either, but at same time not going to throw a 3k macbook pro or anything on that card when i have 40-60k limit cards and many 20k limit cards that can take the hit alot easier and hold the balance if need be some at 0% periods aas well.  GS is too conservative for me w/regards to CL's for the product they are servicing imho.  

[blindambition]

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@CreditCuriosity wrote:

Ya its annoying for sure my limit is 7500 and fico > 800 and good income cant get a CLI with them and to be honest have 3%+ cards such as AOD and others that can handle an apple purchase.   Had the card for 12 months now and i think it is going to get the Axe.  Granted not high spending either, but at same time not going to throw a 3k macbook pro or anything on that card when i have 40-60k limit cards and many 20k limit cards that can take the hit alot easier and hold the balance if need be some at 0% periods aas well.  GS is too conservative for me w/regards to CL's for the product they are servicing imho.  

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This exactly!! The ones with fewer cards will benefit on this card. The ones willing to put majority of spend on it.

Not for the ones who maximize other rewards.

[cashorcharge]

To add a DP, I have had my card a year now.  Got it as part of the pre-launch

My SL was $20,000 and I put 10-20% per month on the card and PIF

I had started to read about SP or no-pull CLI's and requested my first last month...was given an additional $5000

I've never spent a tremendous amount on the card.  I may not get higher than my CL today but I'm okay with that

[dtbecker]

I also have this card and I probably will ask for a CLI once I've had the card for 6 months. My SL was $2,500 initially, and I feel I can probably greatly increase that. On an side note, Goldman Sachs does allow you now to provide income when asking for a CLI. Some other previous post on MyFico stated that they weren't allowing it. Just make sure to mention your newer income. 

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@cashorcharge wrote:

To add a DP, I have had my card a year now.  Got it as part of the pre-launch

My SL was $20,000 and I put 10-20% per month on the card and PIF

I had started to read about SP or no-pull CLI's and requested my first last month...was given an additional $5000

I've never spent a tremendous amount on the card.  I may not get higher than my CL today but I'm okay with that

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May I ask if you had 10%-20% AFTER the statement cut or before? Basically, did you let it report with 0% utilization or higher? 

[cashorcharge]

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@dtbecker wrote:

I also have this card and I probably will ask for a CLI once I've had the card for 6 months. My SL was $2,500 initially, and I feel I can probably greatly increase that. On an side note, Goldman Sachs does allow you now to provide income when asking for a CLI. Some other previous post on MyFico stated that they weren't allowing it. Just make sure to mention your newer income. 

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@cashorcharge wrote:

To add a DP, I have had my card a year now.  Got it as part of the pre-launch

My SL was $20,000 and I put 10-20% per month on the card and PIF

I had started to read about SP or no-pull CLI's and requested my first last month...was given an additional $5000

I've never spent a tremendous amount on the card.  I may not get higher than my CL today but I'm okay with that

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May I ask if you had 10%-20% AFTER the statement cut or before? Basically, did you let it report with 0% utilization or higher? 

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My statements were always cut at ZERO and posted 0% utilization.  I have been focused on AZEO, prepping for and working on home refi that just completed.  I made multiple payments per month to establish constant payment history but it has forever had a zero statement balance.  Not sure if that played a part in their decision or not.  They did ask for my income when I asked for the CLI which was higher than my original income at app time last August so I happily provided.