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Apple Card credit limit increase DPs

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Anonymous
Not applicable

Re: Apple Card CLI Denial


@blindambition wrote:

Are they doing SP, or HP CLI requests?


It's a SP. 

Message 281 of 363
Aim_High
Super Contributor

Re: Apple Card CLI Denial


@jlitnns wrote:

I don't remember when I signed up but was approved $6.5k limit. Chatted for a CLI in Feb 2020 and they gave me $1k. I chatted the other day and they said I need to wait 6 months before I ask for another.

 

I only use this card 3-4 times per month for $5 purchases from the mini mart next to my office  because they take Apple Pay. I have bought an iPad and a couple other $200-300 purchases over the last 6 months on it so it does regularly get used.

 

Was happy to get something but considering all but my Chase Amazon card have $20k+ limits I am a little surprised. I don't know why Chase hates me...


Double confused ... I don't see either a Chase Amazon Visa or a Goldman Sachs Apple Card in your siggy?? Do you have both also?

 

Also, you said "I don't know why CHASE hates me but did you mean Goldman Sachs?  They issued the new Apple card, not Chase.

 

As for why they hate you, it's nothing personal.  They are just super-conservative with all of us.  Few have been really pleased with SL's or CLI outcomes.  If you see my previous posts upthread, those who have gotten increases have used at least 25% to 30% of their total credit limits over a few months, paid on time and/or in full, and not had other adverse changes to their reports or scores.  In your case, with $7500 limit, you probably need to roll at least $2250 through it over a few months prior to requesting CLI.  The higher the spend, the better the outcome in terms of not only approval but for how much they will give you.  If you want a big increase, spend heavy and PIF after statement cuts.


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 282 of 363
Aim_High
Super Contributor

Re: Apple Card CLI Denial


@blindambition wrote:

Are they doing SP, or HP CLI requests?


Goldman Sachs - Apple is doing soft pulls for CLI.

You can either call or message them through wallet app to request it.

I wouldn't bother, though, unless you're putting a significant amount of spend through it.  Approvals have been all about the spend as a percentage of your credit limit.  The more the better.  Minimum approvals have been about 25-30% of SL.  For example, if your approval was $6K, you'd need to put about $2K or more spend on it over a few months to stand good odds of approvals. 


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 283 of 363
blindambition
Senior Contributor

Re: Apple Card CLI Denial


@Anonymous wrote:

@blindambition wrote:

Are they doing SP, or HP CLI requests?


It's a SP. 


Thanks man. 😊 

Message 284 of 363
Anonymous
Not applicable

Re: Apple Card CLI Denial


@Aim_High wrote:

@jlitnns wrote:

I don't remember when I signed up but was approved $6.5k limit. Chatted for a CLI in Feb 2020 and they gave me $1k. I chatted the other day and they said I need to wait 6 months before I ask for another.

 

I only use this card 3-4 times per month for $5 purchases from the mini mart next to my office  because they take Apple Pay. I have bought an iPad and a couple other $200-300 purchases over the last 6 months on it so it does regularly get used.

 

Was happy to get something but considering all but my Chase Amazon card have $20k+ limits I am a little surprised. I don't know why Chase hates me...


Double confused ... I don't see either a Chase Amazon Visa or a Goldman Sachs Apple Card in your siggy?? Do you have both also?

 

Also, you said "I don't know why CHASE hates me but did you mean Goldman Sachs?  They issued the new Apple card, not Chase.

 

As for why they hate you, it's nothing personal.  They are just super-conservative with all of us.  Few have been really pleased with SL's or CLI outcomes.  If you see my previous posts upthread, those who have gotten increases have used at least 25% to 30% of their total credit limits over a few months, paid on time and/or in full, and not had other adverse changes to their reports or scores.  In your case, with $7500 limit, you probably need to roll at least $2250 through it over a few months prior to requesting CLI.  The higher the spend, the better the outcome in terms of not only approval but for how much they will give you.  If you want a big increase, spend heavy and PIF after statement cuts.


Chase Amazon is the fourth card in that signature. 

Message 285 of 363
Aim_High
Super Contributor

Re: Apple Card CLI Denial


@Anonymous wrote:

@Aim_High wrote:

@jlitnns wrote:

...my Chase Amazon card have $20k+ limits ...


I don't see either a Chase Amazon Visa ...?


Chase Amazon is the fourth card in that signature. 


Oops, I see it now.  Thanks @Anonymous.  

The colorful "Chase Gray" blended into the background lol Smiley Tongue

They do love their blues and grays. (My siggy is proof!)  


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 286 of 363
Anonymous
Not applicable

Re: Apple Card CLI Denial


@Aim_High wrote:

@Anonymous wrote:

@Aim_High wrote:

@jlitnns wrote:

...my Chase Amazon card have $20k+ limits ...


I don't see either a Chase Amazon Visa ...?


Chase Amazon is the fourth card in that signature. 


Oops, I see it now.  Thanks @Anonymous.  

The colorful "Chase Gray" blended into the background lol Smiley Tongue

They do love their blues and grays.   


Looking at your signature, it's only BoA and Apple Card that don't love their blues and grays 😂 Although white Apple Card isn't that far from gray so really just BoA. 

Message 287 of 363
Aim_High
Super Contributor

Re: Apple Card CLI Denial


@Anonymous wrote:

@Aim_High wrote:

@Anonymous wrote:

@Aim_High wrote:

@jlitnns wrote:

...my Chase Amazon card have $20k+ limits ...


I don't see either a Chase Amazon Visa ...?


Chase Amazon is the fourth card in that signature. 


Oops, I see it now.  Thanks @Anonymous.  

The colorful "Chase Gray" blended into the background lol Smiley Tongue

They do love their blues and grays.   


Looking at your signature, it's only BoA and Apple Card that don't love their blues and grays 😂 Although white Apple Card isn't that far from gray so really just BoA. 


I know, right?   Banks like the conservative and reassuring blues and grays, I guess.  And I originally posted my Apple card in Titanium-silver before I decided to mix it up with the colored version!   My PenFed card is actually the American flag version but I can't find a stock image of it.  It's the old "Defender" card but turned horizontal instead of vertical. 

See @K-in-Boston's post ... 

https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-March-2020/m-p/5939303#M172826

 

I've thought about replacing my Discover card with something exciting.  They have some bold designs.   But I tend towards the conservative anyway.  Lol


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 288 of 363
blindambition
Senior Contributor

Re: Apple Card CLI Denial

Just asked for CLI on my 6.5k. Answer 5-7 days. Did it through messaging. I'm shopping new macbook. Said I wouldn't want to be stuck with high card utilization if I used my AppleCard. We'll see shortly.

Message 289 of 363
blindambition
Senior Contributor

Re: Apple Card CLI Denial

Asked for CLI on Wednesday and received response on Sat. No soup for me!!

The proportion of limit used and paid is insufficient.

Biggest purchases have been Apple Care on phone and watch. Only use for a couple Apple subscriptions. I get better cashback  on others from my BCP.

My FICO 9 dropped 1pt.

Message 290 of 363
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