Congratulations on your CLI!!
Congrats on your 3X CLI!
Awesome increase and huge congrats to you, @CreditAggie!
I can see you paid attention to the spend statistics and it paid off! That's very heavy relative use of credit limit and they rewarded you very well. Excellent data points to show that heavier spend can be rewarded with larger relative increases!
Enjoy that card and new limit!
Just curious, but do you ever swipe your physical card or only use Apple Pay?
@Aim_High wrote:Awesome increase and huge congrats to you, @CreditAggie!
I can see you paid attention to the spend statistics and it paid off! That's very heavy relative use of credit limit and they rewarded you very well. Excellent data points to show that heavier spend can be rewarded with larger relative increases!
Enjoy that card and new limit!
Just curious, but do you ever swipe your physical card or only use Apple Pay?
Thank you @Aim_High ! The vast majority of purchases were made with Apple Pay. The titanium card has seen some use especially early on when it was my only card.
@Anonymous wrote:Congratulations on the generous increase mate. I'm curious as a data point if your earnings changed in the window between requests.
Thank you @Anonymous ! My reported income has remained the same since the initial application in September 2019.
@CreditAggie wrote:Three months have passed since my last Apple Card CLI, so I decided to ask GS for another one. While I was only expecting a $500 or $1,000 CLI, GS tripled my limit, going from $1,000 to $3,000! One year ago, this card had a $250 SL. I ran an average of $611.94 through the card per month over the last three months and always PIF. This also couldn't have happened at a better time with the Apple event next week.
Overall, I have been impressed with the Apple Card as a starter card, and unlike other starter cards, it appears that it will continue to grow and serve me well for years to come. My Disco and BofA cards will be a year old soon so hopefully I'll see some growth from them as well in the coming months.
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Congrats on that great growth! Out of curiosity, when it told you "We consider a variety of factors...including Your Transunion Fico Score..." what other factors did it list that it considered in determining your increase?