I received a small $2K CLI on my Apple card, taking it from $40K to $42K. 
I've had the Apple card since 2019 but have generally not given it heavy spend. Early data points that I helped assimilate from the community seemed to indicate it took pretty heavy spend of the existing credit limit. I was recommending members strive for new charges of a minimum of 25% to 30% of the current credit limit in-between CLI requests to get an approval, with heavier spending leading to larger increases. It has appeared that Apple card caps out at $10K increments every six months, and that data point still stands. My SL was $20K and, not being a heavy user of Apple Pay at that time and not wanting to sacrifice a lot of rewards with the 1% on physical card, only ran up the utilization twice to get $10K CLIs to $30K and finally $40K. My last increase was over two years ago (Dec 2021). Since then, I had other credit priorities and also believed I would have to run up a lot of spending to get any CLI. I just periodically put some small swipes on it to keep it alive.
Perhaps Goldman Sachs has modified their approval framework or perhaps the guidelines we developed in the early days don't apply as much with larger credit limits. (Most early Apple card approvals were relatively low, often under $10K. There are still appear to be few of us with Apple cards over $25K.) Either way, I requested a CLI last week (01/30/24) after putting what I thought was insufficient spend to qualify. I fully expected a denial but it was more for the data points. Instead, I was approved for a nominal $2K CLI! However, this also gave me the opportunity to reevaluate my previous guidelines.
Here is my rough Apple card spending by month for the past two years, since I got the last increase:
Jan 24 - $755
Dec 23 - $64
Nov 23 - $2
Oct 23 - $40
Sep 23 - $56
Aug 23 - $4
... so in the past six months, I only charged $921 
Ten months (Oct 2022 - Jul 2023): Absolutely ZERO usage.
Sep 22 - $10
Aug 22 - $0
Jul 22 - $4
Jun 22 - $2
Six months (Dec 2021 - May 2022): Absolutely ZERO usage.
Total charges in the past 24 months, since last CLI:
$937 / $40,000 = only 2.3% of my credit limit
Based on my old calculations, I would have needed to spend $10K (25%) to get anything. So perhaps, the spending amount or the ratio is less dependent on the credit limit that I expected, or shifts as CL increases. Either way, it appears I may have overestimated the spend needed to get a CLI. I'll try again in six months after putting some heavier spend through it and see what happens.
By the way, that moves Apple card from my 10th largest credit limit to my 9th largest, ahead of my $41.7K PenFed Power Cash Rewards. 
Congrats on the CLI!
@CardHunter wrote:Very nice! Congrats on you CLI!
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@CorpCrMgr1 wrote:
Congratulations on your CLI! Nice APR also!!
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@JoeRockhead wrote:
Congratulations on another Apple CLI! Great info and DPs as usual.
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@BigBS wrote:
Congrats on the CLI!
Thanks very much @CardHunter, @CorpCrMgr1, @JoeRockhead, and @BigBS!
Congratulatoins on your CLI!
You inspired me to try, as it has been well more than six months since my last Apple Card CLI. I was denied with the classic "You have not used and paid enough of your Apple Card credit limit since your last credit limit increase" so it appears that regular spend is still expected, at least for some of us.
For reference, my current CL is 14.5K and I spend about $500/month. I also have a few months left on an installment plan from last spring's purchase of a Mac Mini.
Congrats on the Cli. Thanks for the DP. E!
Never Give Up!!
Nice data points. Thanks and congratulations!
