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Apple Card CLI to $46K

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Aim_High
Super Contributor

Apple Card CLI to $46K

From my experience, Goldman Sachs has become much more strict on CLIs on their Apple Mastercard in the past 12 months as there have been news stories about another lender possibly taking over the card.   I got a small $2K CLI last February to $42K after relatively small spending, which had surprised me.  Since then, they have turned me down for any increases even after putting heavier spend on the card.  My total spending slowly eclipsed 25% of the limit, then 33%, finally 42% since the last CLI approval.  I had hoped I would trigger the apparent $10K maximum increment since I wanted to take the card to $50K+.  Instead, they finally offered me an additional $4K, even with that amount of spending, with a new limit of $46KSmiley Frustrated  My theory is that now they may require spending at least 40% of the limit to get an increase and to get the maximum increment may take 50% to 100% of the existing CL in spend since the prior CLI.  Still, I'm grateful for this increase and even though I know some in our community on My FICO think little of this card, I believe it has a lot of strong points. (See >this post< for details.)   My most typical usage is for 3% merchants, especially Walgreens where I shop often, as well as using the convenience of Apple Pay for coffee or fast food purchases on my travels. 

 

 

Apple_CLI_20250303_01.png

 

 

 

Apple_CLI_20250303_02.png

 

 

 

Apple_CLI_20250303_03.png


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 1 of 18
17 REPLIES 17
Priory_Man
Valued Contributor

Re: Apple Card CLI to $46K

Congrats on the increase, you put the work (spend) in and get the reward.






"Total revolving credit $300,000 Current UTIL <1%"
Message 2 of 18
Rebuild2019
Valued Contributor

Re: Apple Card CLI to $46K

Congratulations @Aim_High   Another nice CLI. 


CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 3 of 18
c00mtg
Established Member

Re: Apple Card CLI to $46K

Congrats! Seems they don't like "discharged" BKs on CRs as my request was denied, good thing it was a SP.





SDFCU $250
Chase Sapphire Preferred $24.2K
Chase IHG $33.1K
BOA Alaska $22K
Capital One Venture $30K
Home Depot $5K
Fidelity Visa $11k
PendFed Cash Rewards $12.5K
USAA Platinium Rewards $2.2K
Capital One Potterybarn $12.5K
Amazon Visa $6K
AMEX Bread $8.9K
Message 4 of 18
JoeRockhead
Community Leader
Super Contributor

Re: Apple Card CLI to $46K

Congratulations on the continued growth!  

Message 5 of 18
Jnbmom
Credit Mentor

Re: Apple Card CLI to $46K

@Aim_High  Congrats 

EXP 780 EQ 796 TU 810
Message 6 of 18
MsSecondChance
Regular Contributor

Re: Apple Card CLI to $46K

Congratulations! 🥳

Ch 13 filed 6/2018
Ch 13 discharged 7/2024
TU 794
EX 796
EQ 806
Message 7 of 18
cashorcharge
Community Leader
Super Contributor

Re: Apple Card CLI to $46K

It is true that they are tightened up the reigns....likely due to all the press on their account management/loss issues and the pending sale to another party.  I would be hard pressed to spend 40% of my own CL with them in a month, as I am getting greater returns on other options in my wallet. 

Congratulations on your Approval!!👏🏼🍾🥂

Message 8 of 18
dacv01
Regular Contributor

Re: Apple Card CLI to $46K

Congrats on the increase, that is a nice limit! I dont hate on the Apple Card, and find myself using it rather often for smaller purchases or apple pay and it does add up! 




> 8 Inquiries, AAoC 6 years, AoOA 7 years, 11 months as of September 2024
Message 9 of 18
Zoostation1
Valued Contributor

Re: Apple Card CLI to $46K

Congrats on the CLI! I'm not in the Apple card hater group, but since I'm a Samsung person when it comes phones or any other mobile devices it's not an option I could explore.

Rebuild Started Nov 2021
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Message 10 of 18
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