Finally in with Apple

Aspireto850 · ‎10-22-2025

Submitted an application today and finally received an approval for 4500. It's quite a bit lower than what I was expecting so I called Goldman Sachs but it was a no go. If I decline the offer, do any of you know how long I have to wait before I reapply? Thanks

Leo · ‎10-22-2025

Can you tell me what your process has been with them? Did you receive previous denials? Do you have a dirty file or a new file?

coldfusion · ‎10-23-2025

@Aspireto850 wrote:
Submitted an application today and finally received an approval for 4500. It's quite a bit lower than what I was expecting so I called Goldman Sachs but it was a no go. If I decline the offer, do any of you know how long I have to wait before I reapply? Thanks

As I understand it there's no minimum time limit between applications, only a limit of applying 5 times within a rolling 30 day window.

The question you'd need to answer is how long do you think it will be before you're able to sufficiently address the reasons in your credit profile behind the $4500 approval for Goldman to consider extending an offer high enough for you to find suitable.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Aspireto850 · ‎10-23-2025

Just have never received any offers. Not a new file; very established. Do have a few lates from 2019 and 2020.

LivingTheAmericanDream · ‎10-23-2025

@Aspireto850 wrote:
Just have never received any offers. Not a new file; very established. Do have a few lates from 2019 and 2020.

Sounds like that would be a consideration with regard to a higher SL. Good luck!

dfwxjer · ‎10-24-2025

What credit limit were you expecting?

Current active cards:
Amex - Platinum, BCP
BofA - Unlimited Cash Rewards Sig
Chase - CSR, Amazon Prime
Citi - Custom Cash, Costco Visa
TCL - $315k
CC utili - 2%
Experian - 805

Zoostation1 · ‎10-25-2025

@Aspireto850 You may not see a higher SL until those lates fall off.

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

June 2022 FICO 10:

June 2022 FICO 10T:

Dec 2025 FICO 8:

Dec 2025 FICO 9:

Dec 2025 FICO 10:

Oct 2025 FICO 10T:

Aspireto850 · ‎10-30-2025

Minimum of $15k

Total_Synergy · ‎10-31-2025

Hi @Aspireto850, congratulations on your new Apple Card! From experiences reported here a $15k SL would be very much on the high side, especially over the past few years since the Goldman Sachs relationship soured and losses from being too generous with SLs have swung the other direction trending toward too stingy. However many folks with similar SLs to yours have doubled their CLs within the 1st year before experiencing increasingly higher % spend requirements to trigger CLIs above $10k. Best of luck in the climb, and we all hope the 'Goldman replacement' will offer more generous CLIs somewhere down the road...

Personal TCL ~$400k [Goals Met: 1+ Card with each of the Top 10+ (US) Personal Issuers; $0 Fees; Recurring 0% BT Offers; Team Cashback]:

Business TCL ~$100k [Goals Met: 2 Cards with each of the Top 3 (US) Business Issuers; $0 Annual Fees; Team Cashback]:

RIP:

* Personal FICO 8 (09/25): TU/EX ~775 (AoOA 3.8yrs, AAoA 2.5yrs), EQ ~825 (still reporting 2 cards closed 13+ yrs ago, AoOA 3.8yrs, AAoA 3.7yrs).
* Began in 1984 w/ Amex Gold Personal + Diners Club Corporate in 1990s. Just these 2 for years. Very little FICO knowledge until CARD Act (2010).
* Note: I have history w/ many lenders; so not always 'internally new to them' even though CRAs show 'new' AAoA. I don't track my Business CRAs.
* Acknowledgements: @Aim_High for 'HTML/Signature inspiration' and ALL myFICOers for helping me to optimize a well-earning card portfolio!!

Aspireto850 · ‎10-31-2025

Thanks so much for the background info; very helpful!