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Apple Card CLI Approval (Finally!!)

bicboiOD
Contributor

Apple Card CLI Approval (Finally!!)

So I got the card back in March and tried asking for a CLI after heavy speading and PIF for 90 days. I was denied at my 91 day mark due to "One or more of your recent Apple Card payments has failed" which was really annoying because I accidently used my savings account instead of checkings account for a payment and my bank reversed the payment (depsite having funds available) and I continued to get denied for CLI and eventually my utilization started getting a little out of control and my FICO dropped so it's been a struggle..

 

But after paying down all my balances and getting my utilization under control I finally got instant approval for CLI!

IMG_2237.PNGIMG_2238.PNG

 

Starting CLI: $1250

New CL: $3250 

 

Ι was expecting a denial but was shocked to finally be approved!

 

Some DPs incase anyone is wondering:

  • I was CR at the time of this request was reporting AZEO with the Apple Card just recently updating the $0 balance from December, but my Discover Card was reporting a 90% utilization..
  • TU FICO9 641 (although they didn't pull a score for the approval)
  • Last CLI request (which was denied) was ~30 days prior to this request
  • Averaged about $1500-$2000 of monthly spending on a $1250 limit over the past few months
  • Applied for CLI as soon as I got notification from credit monitoring that GS Apple Card updated balance (they usually report 2-3 weeks after closing statement date)

 

Good luck to everyone else that's trying to get a CLI (hoping to keep growing with this card!)

 

Current Stats:

03/2021 EXTUEQ

FICO8

(01/2020)

INQ (24mo)875
INQ (12mo)775
AAoA4y 2mo4y 2mo4y 2mo
AoYA2 mo2 mo2 mo

Personal Revolvers:

 
 
Credit Limit$300$2000$1000$1000$1250
Age4y 4mo2 mo1 mo1 moN/A
Utilization0%11%N/AN/AN/A
Message 1 of 11
10 REPLIES 10
GApeachy
Super Contributor

Re: Apple Card CLI Approval (Finally!!)

Always a nice shock, congrats!

Palmas Clap GIF - Palmas Clap Batendo - Discover & Share GIFs | Clapping gif,  Funny cartoon gifs, Animated emoticons

"My Take Home Pay Don't Take Me Home"
Message 2 of 11
Have1
Regular Contributor

Re: Apple Card CLI Approval (Finally!!)

Persistence for the win!  Congratulations!

Message 3 of 11
mrcraft
Valued Contributor

Re: Apple Card CLI Approval (Finally!!)

Congratulations on your Apple Card CLI!!  Thanks for the DP's.




Message 4 of 11
CreditAggie
Community Leader
Super Contributor

Re: Apple Card CLI Approval (Finally!!)

Congratulations on your Apple Card CLI!

Current Cards (in order of approval):

            
Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24 month):  
Banks & CUs:                           Goal Cards:
                

Message 5 of 11
Reviewers
Established Contributor

Re: Apple Card CLI Approval (Finally!!)

Congratulations on your Apple CLI! Hoping to apply for one for myself soon! Currently at a $2k limit.

My Scores:


Wishlist Cards:
Capital One Venture X
Message 6 of 11
CreditMagic7
Super Contributor

Re: Apple Card CLI Approval (Finally!!)

Congratulations on your Apple Card account CLI!



Message 7 of 11
Red1Blue
Super Contributor

Re: Apple Card CLI Approval (Finally!!)

Congratulations for your Apple Card CLI

Message 8 of 11
Aim_High
Senior Contributor

Re: Apple Card CLI Approval (Finally!!)

Excellent CLI, @bicboiOD, and really appreciate the data points! Smiley Very Happy

This is a great example of how heavier spending (1x or more of the current CL) on the Apple card often yields a very high CLI relative to the current limit!

Enjoy and good luck with further growth!

 

Smithers_Excellent.jpg

 

 



Length of Credit > 35 years; Total Credit Limits > $600K
AoOA > 28 years (Jun 1993); AoYA (Nov 2021)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 9 of 11
gdale6
Moderator

Re: Apple Card CLI Approval (Finally!!)

Grats on your Apple move up Smiley Happy

Message 10 of 11
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