Apple Card credit limit increase DPs

[CreditCuriosity]

Ya they are cracking down big time now and not handing out the CLI anymore or as liberal at least....  Trivial reasons as 2500 isnt a big TL depending on your profile/scores/income..  I will never burn a HP in future to try to grow the card if they are spitting out these reasons 

[Anonymous]

T/u 701 pulled 11/18 according to them
Income 130k.
1 Paid Charge off still on CR from 2014.
(7) 30 day lates that will all age off by 11/2020.

170k Total bank card exposure.

Not a clean profile but not terrible either. The charge off will hold down my score till it’s gone.

Win some / lose some.

This is my second lowest credit line. D/C is my lowest at 1800. Highest is navy at 35k.

[Anonymous]

Got a reply today also denied!! I called and asked for my case to be escalated because I had the same reason not enough paid towards balance. Will post if there is a update

[Aim_High]

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@Anonymous wrote:
denied
SL-2500
"the proportion of your credit limit used and paid back is not sufficient"
... only used it for $500 total since approved.

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Sorry to hear of the decline! Join the crowd ...

You spent 20% of your total credit line over 3 months:  Denied.

@Nosoule46 spent 30% of his credit line over 3 months: Approved.

So fine-tuning it, it looks like 25% to 30% minimum CL usage over 3 months is required to get a CLI.

[Anonymous]

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@CreditCuriosity wrote:

Ya they are cracking down big time now and not handing out the CLI anymore or as liberal at least....  Trivial reasons as 2500 isnt a big TL depending on your profile/scores/income..  I will never burn a HP in future to try to grow the card if they are spitting out these reasons 

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I noticed that too but I thought it was confirmation bias. Glad someone else noticed it. First few weeks were huge increases. Then myfico and reddit affect kicked in 😂 and they started getting swamped with request. I bet their  exposureportfolio started toballoon and they put some standards in place. Instead of doubling and tripling limits its now a few thousand here and there.

[Anonymous]

Those of you who are getting the "not paid back enough of your balance" are you requesting an increase while carrying a balance from month to month? Or do you just happen to have a balance but you normally pay in full?

[Jnbmom]

Just thought I would pass this along. A few of my coworkers have this card and I told them about the CLI people were making through a message feature. They both requested it about 3 weeks ago. Both have 750+ scores above six figure incomes, I think they were running around 500 a month through it. One started 5K and the other 6500. Both just got the email denied for exact same reason:

“The proportion of your credit limit you have used and paid in not sufficient “

It looks like this reasoning is getting used a lot with them.

[Anonymous]

I PIF before statement date on the card.

I would agree it’s just being used a lot. Probably just an excuse as they are not trying to ballon their exposure this early on. Maybe in a few months the train will be back.

I do not have a clean profile yet, so I’m sure that hindered me a bit, yet plenty of others gave better limits and CLI like clock work, with the exception of D/C but that’s be SD for a year also, just a pack of gum once every few months lol.

[Gunnerboy]

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@Gunnerboy wrote:

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@Gunnerboy

$6.5K SL

CLI: 12/06/19

Just used the card to buy an iPhone.  Curious if this transaction will enhance my chance for a CLI.  Doubt it, considering I chose the 24-month zero-interest financing, vs buying it outright..

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Denied.

The proportion of your credit limit you have used and paid is not sufficient

[Aim_High]

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@Anonymous wrote:

Those of you who are getting the "not paid back enough of your balance" are you requesting an increase while carrying a balance from month to month? Or do you just happen to have a balance but you normally pay in full?

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It's just canned language that can apply to more than one situation.  In my case (and I think many others who posted), I was paying off my balances early.  There were small balances on my statements which I paid-in-full well before the due date but I was also making mid-month payments of charges before they even went to the statement cut. So in most cases, the verbage is aimed at "the proportion of your credit line USED", not the part that says "paid back." I imagine this same language could also be used if someone was slowly running up a balance on their account and only making minimum payments.  That isn't my situation or what I gleaned from other postings.

"The proportion of your credit limit used and paid back is not sufficient."