Zero Success On Apple Card CLI After 91 Days

[Disregard]

91 days ago, I was approved for an Apple Card after months and months of trying. I had to use the SCT to be approved. Limit was set at $450.

Fast forward to today, 91 days later, I've spent and paid off $5,283.91 on this card (never carrying a balance).

Due to the heavy use and pretty substantial score improvements I've recently seen, I was really optimistic when making my CLI request this morning.

Wrong. I was dead wrong to be optimistic. Immediate denial for a CLI citing the reason and score pulled below.

It looks like spending and paying off the card's limit almost 12 times in 3 months had zero impact.  It also looks like major score improvements had zero impact. This card appears more bucketed than my QS1 was.

[NYC_Fella]

Sorry to hear that. How recent was your BK?

I have a 5YO BK7. I was initially approved for $4K and after 90 days was given a CLI to $6,250.

[Disregard]

25 Months since filing CH7

22 Months since discharge

[Anonymous]

I am sorry about the denial. Even though your score is good some card companies are reluctant to give high CL's while there is a BK on your report.

Just keep up the good work and in time you will get higher CL's

Thanks

Mark

[collics]

It's been less than 2 years since your discharge. That's still kinda fresh.

I think GS trying to be more lenient, however still have limitations with BK approvals and increases, myself included and I'm 7 YEARS post BK.

And remember profile is more important than just the score itself. Your 700 w BK isn't the same as a 700 or even a 650 w/o a BK.