@CreditBones wrote:Ha-hah!!!
PIF *after* statement cuts...
My 20% [of CL] spending of my first bill cycle (last 3 weeks of Oct) was PIF *before*statement cut.
But if I let the balance pass past the bill cycle cut date, my FICO scores will decrease due to high UTIL (forecasted to be around 30%)... and one of the denial reasons is "your TU score has decreased since you got the card".
So, how do I win? Hmmm...
Classic "chicken or the egg" scenario, @CreditBones. 
But let's revisit your assumptions.
Utilization does impact your credit score short-term but quickly recovers once it is reduced. And Goldman Sachs has shown to be sensitive to drops in your score, but I don't believe that means it can't drop a few points. I believe it has to be a significant change. Spend on the card is probably a lot more important than a small drop in your score due to small utilization reporting. If you run my minimum target 25% spend of existing credit line spread over three months, that's about 8% per month which is under the 8.9% threshold that has been circulated on My Fico as the first point that starts to affect your scores (as a percentage of an individual card's utilization.) And lower utilization has a lower impact than getting up to, say, 50% to 90%.
The "pay before statement cut or pay after" is often debated on My Fico about its' importance to various lenders, but I don't believe we have any reliable data points to show it matters one way or the other to banks that want to see spending for CLIs. The question is more about how the banks' internal processes use information about your account and if they are incorporating the "statement balance" as opposed to "new charges" to make a decision. It probably varies between banks and we'll probably never know how each one does it.
So a couple of suggestions. One would be to make sure you reduce all other utilization on any other cards as much as possible when seeking the Apple CLI. Honestly, I wouldn't worry too much about an Apple Card utilization of less than about 25% on each statement. (Technically, I think the next breakpoint is 28.9% but I believe @Anonymous or @AllZero were the members who I picked those up from. Maybe one of them will chime in.) If you did that three months in a row, that's 75% usage of your credit line, a healthy percentage.
Or maybe you could provide us some data points about heavy usage and then PIF *before* statement cut on every one, which might resolve the issue.
Either way, let us know how it turns out.
👍 As above. I need to update my macros.
@Aim_High wrote:
@CreditBones wrote:Ha-hah!!!
PIF *after* statement cuts...
My 20% [of CL] spending of my first bill cycle (last 3 weeks of Oct) was PIF *before*statement cut.
But if I let the balance pass past the bill cycle cut date, my FICO scores will decrease due to high UTIL (forecasted to be around 30%)... and one of the denial reasons is "your TU score has decreased since you got the card".
So, how do I win? Hmmm...
Or maybe you could provide us some data points about heavy usage and then PIF *before* statement cut on every one, which might resolve the issue.
Either way, let us know how it turns out.
I will sure do!
During its first 3 months I will run about 75% of CL in spending, but PIF *before* bill cycle cuts, reporting 0% UTIL, and in Jan 9 I will request the first CLI. We'll see the outcome at that time.
I have read from other members that they have been successful at a second CLI 3 months after the first one was approved during the course of 2020... So, I will run basically the same spending through the months of Jan-March, PIF *after* bill cycle cut date, and request the second CLI in Apr 9. We'll see the outcome at that time.
A big chunk of my spending is on fuel/tolls with an average of $700-$850/mo. So, I cannot pass Disco's 10% CB SUB on fuel for the months of Apr-Jun, and subsequently take advantage once again of BCP's 3% CB on tolls for that quarter.
DW and I are not big in restaurants or PayPal, and Disco should remain dormant for that quarter, so my spending will run through DW's Card (she has basically the same spending amounts, but in other cats), producing a whopping 150%+ of her CL ($4,500), making her a great candidate for a substancial CLI.
Then, for the final quarter, I will run DW's spending through my Card, which would double my previously seen spending, and hopefully making me a candidate for a third CLI.
We are gardening until Nov 2023, so UTIL wont affect much if we need to use it in favor of our CLI's. Let's see how the DP play along.
Any and all suggestions are greatly welcomed, as always!
AU:
@Aim_High wrote:
Or maybe you could provide us some data points about heavy usage and then PIF *before* statement cut on every one, which might resolve the issue.
I did this and posted the data in my CLI thread and called this data out for this exact question. I was satisfied with the increase (+50%), but I had been hoping for a bit more. My 3 month average spend was 166% of my limit (I think the max for a given month was about 95%) , but I never let more than a couple of dollars post to the statement. I guess it's debatable if I would have gotten better results if I had let my spending post.
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@kekrre wrote:
@Aim_High wrote:
Or maybe you could provide us some data points about heavy usage and then PIF *before* statement cut on every one, which might resolve the issue.I did this and posted the data in my CLI thread and called this data out for this exact question. I was satisfied with the increase (+50%), but I had been hoping for a bit more. My 3 month average spend was 166% of my limit (I think the max for a given month was about 95%) , but I never let more than a couple of dollars post to the statement. I guess it's debatable if I would have gotten better results if I had let my spending post.
Thanks for these data points, the reddit commentary, and the links @kekrre! It takes a community to put this all together. I've made a lot of postings about the Apple Card limits but it's my own best subjecture based on the data points I've seen reported, so I appreciate all the quality control I can get! 
Congrats on your successful CLI with Apple Card!
Morning all, wanted to add some DP's for my CLI approval.
$5500 SL, approved for card at launch
Requested a CLI today and approved for a $500 increase, new CL $6000.
I haven't used it much at all, for months it lay dormant then I put a few small charges on it and in October I requested an increase but denied to due low usage which is fair, I rarely used it.
I decided to try using it more to see what would happen and started putting my subscriptions on it and buy a magic keyboard with Apple pay etc. I currently have a balance of $185, I usually pay as transactions post but was seeing if having a balance mattered for a CLI. My total spend since being denied has only been about $400.
$500 CLI is fair, my usage is way below what I actually need on this card but I will probably be financing a new iPhone with it in the next few months and the more i use the card the more I like the simplicity so it will be used more often now.
Thanks for the data points and the shout-out, @TheFIGuy.
That original Apple card thread about CLIs was started on 11/14/2019 by @DrewfromTexas and is where I collected and posted observations about the early CLIs.
You can find it here:
And a huge Congrats on getting Auto-Luv with Goldman Sachs! Actually, I'm not sure I've even seen anyone post of that yet. Nearly everyone has had to ask for it.
Your spend of $1800/$3000 is 60% of CL so you gave them healthy spend and they rewarded you. I wouldn't be too disappointed in the $1K. That's pretty typical, relative to your limit. They do like to see spend, but they've also shown to be very conservative. All our SLs were very low, relative to profile. And CLIs have been restained also. You got $1k increase on a $3K CL, which is a 33% bump. That is typical from what I've seen on that level of spending. (60% of CL). If you were to continue to put heavy spend on the card for a few months and charge at least the full $4k or more, I'd be willing to bet you'd see possible CLI of $2K to $4K in a few months.
I am not sure if anyone has reports about resetting the clock, but I imagine getting auto-CLI does reset the timer. That's how most lenders that I've seen work.