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Apple Card CLI

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NoMoreE46
Community Leader
Senior Contributor

Apple Card CLI

Tagging @Aim_High on this.


Got a  $2000 CLI this month.
I had tried two other times but was denied.  The DP that I believe is pertinent here is the Spend/CL percentage.  In my prior requests, my spend (since the last CLI) was 16% and 30%
This past month, my spend reached 33%;  my CLwas increased to $19000.

 

 

 

Message 1 of 11
10 REPLIES 10
CreditMagic7
Mega Contributor

Re: Apple Card CLI

Congrats that your Apple Card CLI came through for you this time

Message 2 of 11
user979797
Established Contributor

Re: Apple Card CLI

Congratulations on your increase 🎇

>
Message 3 of 11
CreditAggie
Community Leader
Super Contributor

Re: Apple Card CLI

Congratulations on your Apple Card CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (January 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 4 of 11
cashorcharge
Community Leader
Super Contributor

Re: Apple Card CLI

Nicely done!! Congratulations on your Approval!!👏🏼🍾🥂

Message 5 of 11
Aim_High
Super Contributor

Re: Apple Card CLI


@NoMoreE46 wrote:

Tagging @Aim_High on this.


Got a  $2000 CLI this month.
I had tried two other times but was denied.  The DP that I believe is pertinent here is the Spend/CL percentage.  In my prior requests, my spend (since the last CLI) was 16% and 30%
This past month, my spend reached 33%;  my CLwas increased to $19000.


Congrats on your Apple Card CLI, @NoMoreE46

Thanks for the data-point tag and my apologies for the belated reply.  I've been away from the forums.

Interesting that you got the CLI at 33%, as that was around what I had expected as an upper cap.  Instead, my last CLI required 42% before they would allow an increase.  Either way, they certainly have tightened their lending! 


Business Cards


Length of Credit > 42 years; Total Credit Limits > $957.6K
Top Lender TCL - Chase 165.9 - BofA 99.9 - CITI 98.5 - 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 6 of 11
CYBERSAM
Senior Contributor

Re: Apple Card CLI

Congrats on your 🍏CLI! 🤑👍







                
Message 7 of 11
LivingTheAmericanDream
Frequent Contributor

Re: Apple Card CLI

Congrats! And thanks for the data points Enjoy 🤙
   
 
 

  
Message 8 of 11
Total_Synergy
Contributor

Re: Apple Card CLI

Congrats @NoMoreE46 !!  Based on your DP of 33% monthly spend, I may just continue settling for $500 'pity-CLIs'.  At least until Chase (?) takes over.

Personal TCL ~$400k [Goals Met: 1+ Card with each of the Top 10+ (US) Personal Issuers; $0 Fees; Recurring 0% BT Offers; Team Cashback]:

Business TCL ~$100k [Goals Met: 2 Cards with each of the Top 3 (US) Business Issuers; $0 Annual Fees; Team Cashback]:
                RIP:
* Personal FICO 8 (09/25): TU/EX ~775 (AoOA 3.8yrs, AAoA 2.5yrs), EQ ~825 (still reporting 2 cards closed 13+ yrs ago, AoOA 3.8yrs, AAoA 3.7yrs).
* Began in 1984 w/ Amex Gold Personal + Diners Club Corporate in 1990s. Just these 2 for years. Very little FICO knowledge until CARD Act (2010).
* Note: I have history w/ many lenders; so not always 'internally new to them' even though CRAs show 'new' AAoA. I don't track my Business CRAs.
* Acknowledgements: @Aim_High for 'HTML/Signature inspiration' and ALL myFICOers for helping me to optimize a well-earning card portfolio!!

Message 9 of 11
NoMoreE46
Community Leader
Senior Contributor

Re: Apple Card CLI

Glad that you had a chance to stop back in here @Aim_High !

 

It seems that there  is an escalating requirement for CLI  as the limit gets robust.

Message 10 of 11
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