Has there been a change to Request an Apple CLI?

addision · ‎04-20-2022

So a few days ago at 91 days since my last CLI request I message Apple about another CLI. I got an automated message saying I was declined because I have recently received a CLI. I thought...okay maybe I was off on the dates and I decided to wait.

Today I asked again. This time they actually put me through to a human that processed my request. I was approved today, but it was odd for apple to have a human respond. I am wondering if I should hold back on any future requests.

Is anyone else now getting a human response or did I just get one because I have a higher limit (28k) and I was asking for more. I was going to hold at this new limit anyways (38k) as I don't see too many with more than ~40k and that was my goal anyways.

abdi12 · ‎04-20-2022

I don't know if is new, but same thing happened to me. Declined request at 90 days for being to soon. Next day I hit up another request and a human responded. Maybe they go directly to a human after being denied for a certain period of time? I don't know. Trick that usually works is to request CLI after 10pm EST. At that time it should go directly to the bot.

eyam · ‎04-20-2022

I don't have an Apple Card, but I am an AU on one (my brother is primary), and over the last year of experimenting with the card I've noticed that requesting a CLI within a week of being denied for one will push the request to a rep.

As of 2/20/22:

As of 4/20/22:

cashorcharge · ‎04-20-2022

I think there's only 2 people I've seen post about Apple CL's that high... @Aim_High and @DoctorLoomis

I'm at $28K and when I've asked past the 91 day mark, I've always been successful. However, I'm not putting through as much monthly as before...certainly not nearly the 10-20% per month that's been noted to warrant more.

addision · ‎04-22-2022

@cashorcharge wrote:
I think there's only 2 people I've seen post about Apple CL's that high... @Aim_High and @DoctorLoomis
I'm at $28K and when I've asked past the 91 day mark, I've always been successful. However, I'm not putting through as much monthly as before...certainly not nearly the 10-20% per month that's been noted to warrant more.

I wouldn't normally be able to put that much use on a card either. But I have some home improvements and I thought I would try to maximize my opportunity. It worked, and I got my increase to 38k which is just shy of my target at 40k-45k.

I beleive I will now focus on getting other cards up. I think I want at least 3 cards with similar credit lines.

KJinNC · ‎04-22-2022

I opened mine in December 2019 and instantly regretted it. It doesn't really fit my spend. I only got it because I liked how they did preapproval. I've used it some, but not heavily. I've often applied for CLIs and usually been denied. I did get one, to $7K. I have like eight cards at $10K or higher and I have four at $20K or higher so I guess GS's algorithms don't like me. I applied for a CLI about a week ago and it said they need a few days to decide. I don't recall ever seeing a result. I applied again yesterday and did not get sent to a human, I got an instant denial. I then closed the card. I'm kind of glad I didn't get a CLI because then I'd keep carrying it for no reason. Just not the card for me. No complaints other than lack of growth, though.

FICO Resilience Index: 64. Cards: 5/24, 2/12, 2/6. Accounts including loans: 8/24, 4/12, 3/6. Card CLs total $213,900, or $240,400 including the AU card. Cards (oldest to newest)

Authorized user / Corporate / Auto loans / Personal loan

FinStar · ‎04-22-2022

@addision wrote:
So a few days ago at 91 days since my last CLI request I message Apple about another CLI. I got an automated message saying I was declined because I have recently received a CLI. I thought...okay maybe I was off on the dates and I decided to wait.

Today I asked again. This time they actually put me through to a human that processed my request. I was approved today, but it was odd for apple to have a human respond. I am wondering if I should hold back on any future requests.

Is anyone else now getting a human response or did I just get one because I have a higher limit (28k) and I was asking for more. I was going to hold at this new limit anyways (38k) as I don't see too many with more than ~40k and that was my goal anyways.

@addision

Not sure what or if anything changed recently, but when I spoke to an agent in February (on an unrelated issue) they processed the CLI for me. It wasn't an instant approval, but then I checked later on and it was increased to $55.5K and that's probably where it will stay. I placed some moderate usage on the card in some of the months leading up to the CLI.