Apple Card CLI (from $5k to $8k)

CreditBones · ‎01-10-2021

DPs:

Card credit app/approval date: Oct 8, 2020. I believe today is the 93rd day, so this falls into the 91 Days CLI rule.

First bill cycle (10/09 - 10/31)

New charges: $1,014

PIF in 3 pymts:

10/30: $949

10/30: $25

10/31: $40

No pending charges

$0 bill

Second bill cycle (11/01 - 11/30)

New charges: $1,830

Refunds: $263 (cancelled online order due to back order status)

PIF in 1 pymt:

11/28: $1,546

No pending charges

$0 bill

Third bill cycle (12/01 - 12/31)

New charges: $1,410

Refunds: $18 (returned merchandise)

PIF in 13 pymts throughout the month (3-4 pymts/wk)

There were pending charges, but $0 posted balance by 12/31. I checked the balance several times during day/afternoon/night that day.

$0 bill

Current bill cycle (1/1 - present [1/10])

New charges: $159

PIF in one pymt: $169 (due to prev bill cycle pending charges) right before requesting the CLI.

CLI request via iPhone/Wallet app/Card/Chat:

"Hello, good morning. I would like to request a credit limit increase for my Card."

I felt it was an automated process via ChatBot due to the hyper-fast replies. I was prompted by an annual income digital form, which had this statement: "include shared income not earned by you that is regularly deposited into your individual or joint account". DW & I have a combined annual income of $129k.

I hope these DPs help others on their journey to a healthier credit profile / scores.

AU:

AllZero · ‎01-10-2021

Congratulations on your CLI!

CreditBones · ‎01-10-2021

@AllZero wrote:
Congratulations on your CLI!

Thank you!!

AU:

PullingMeSoftly · ‎01-10-2021

Congrats, a 60% increase, nicely done

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 4.5x mobile wallet

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $24,000 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $27,800 │ 5% selectable rotator

Citi Custom Cash MC │ $15,000 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ RIP 5x...to the sockdrawer

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

CreditBones · ‎01-10-2021

@PullingMeSoftly wrote:
Congrats, a 60% increase, nicely done

Thank you!!
Double of what I was expecting while exchanging thoughts with @Aim_High on this other thread!!

AU:

MartyWrite75 · ‎01-10-2021

Congratulations on your CLI!

February 2025: Experian 779; Equifax 781; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,800 (Sock drawer) || Discover It: $15,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $7,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $18,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 5/2025(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)