Sorry for your CLI denial, @Anonymous.
My first recommendation would be to check your current credit report and make sure nothing erroneous has been added that you aren't aware of. Even if you pulled one in the past 12 months, you're entitled to another free one if you request it within 60 days of the denial letter. (See the fine print at the bottom of your denial email.) Contact Transunion at the contact info on the letter.
Most likely, your suspicions about the BK discharge are correct. "Recently" is open to interpretation. A lender may consider anything that is reported on your credit report as too "recent" for their taste, even though it can go back several years. Also, keep in mind that those denial reasons are somewhat "canned" but lenders are required by the Fair Credit Reporting Act to give you some reasons they denied your request. The exact wording or even the reasons they choose to give may not seem to fit everyone's circumstances precisely.
Besides the denial reasons, your spending may be a little on the low side for an increase based on data points our members have put together over time. Spending at least 25% to 30% of your full credit limit in the few months before a request seems to yield better results, so in your case with $1K limit, you'd want to be spending much closer to that $100 per month. If you're closer to the low end of that $50 per month, you might see a denial due to insufficient use of current credit limit, even once you clear up the recent past due remarks.
Good luck getting it sorted out but it may just need more time for GS Bank to feel comfortable.
Apple Card CLI Data Points thread:
@Aim_High Due to Covid, you are allowed free credit reports on all 3 bureaus once per week through April of next year. In was in the latest Covid relief bill that was signed into law in March.
Sorry you were denied @Anonymous .
It always amazes me that lenders will approve you with old baddies but when it comes to CLIs, suddenly, those old baddies get trotted out as a reason for denying you as if they just happened last week!
@designated_knitter wrote:@Aim_High Due to Covid, you are allowed free credit reports on all 3 bureaus once per week through April of next year. In was in the latest Covid relief bill that was signed into law in March.
Thanks @designated_knitter, I had missed that. 
That's great!
... Still, it's good to remember that anytime you're denied credit, you'll be given the opportunity to a copy of that bureau's report so you can check it for errors that might have led to the denial.
The other thing you can do is split payments at the Apple store. So you want to buy a phone but can only finance 2/3rds because of your Apple Card limit, throw the rest on a different card. Do it at the beginning of the month and max out the card, then pay it down before it reports so it doesn't throw off your utilization.
If you do that, I *believe* you still maximize your Apple rewards.
As many of the data points indicate, Apple needs to get heavy use or they don't think you love them enough to love you back!