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Apple Card CLI!!

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Titans84
Valued Contributor

Apple Card CLI!!

My last increase was back in March of 2025. All denials since then were the same--"insuffienct use." That's fair as it only gets my monthly Apple related spin. And that's not a lot. I did use the 0% monthly installment to get the Air Pods Pro 3. I paid the last of six installments last month. 

 

I tried for an increase this morning and received an additonal $6K to bring my total limit to $34K.

 

DPs:

SL 08/2019: $8,000

SP 04/2021: $12,000

SP 07/2021: $15,000

SP 10/2021: $18,000

SP 10/2022: $24,000

SP 02/2024: $26,000

SP 03/2025: $28,000

SP 05/2026: $34,000

 

IMG_0216.jpeg

Current FICO 8:



Message 1 of 10
9 REPLIES 9
NoMoreE46
Community Leader
Senior Contributor

Re: Apple Card CLI!!

Congrats.

 

How much spend did you have from March 2025 until the increase?

 

 


@Titans84 wrote:

My last increase was back in March of 2025. All denials since then were the same--"insuffienct use." That's fair as it only gets my monthly Apple related spin. And that's not a lot. I did use the 0% monthly installment to get the Air Pods Pro 3. I paid the last of six installments last month. 

 

I tried for an increase this morning and received an additonal $6K to bring my total limit to $34K.

 

DPs:

SL 08/2019: $8,000

SP 04/2021: $12,000

SP 07/2021: $15,000

SP 10/2021: $18,000

SP 10/2022: $24,000

SP 02/2024: $26,000

SP 03/2025: $28,000

SP 05/2026: $34,000

 

 




Message 2 of 10
DeeBee78
Valued Contributor

Re: Apple Card CLI!!

Congrats! I have heard that the Apple Card likes to see significant usage of the credit limit when considering CLI's. How much did you spend on the card between March of 2025 and now? 




Message 3 of 10
Copenix
Frequent Contributor

Re: Apple Card CLI!!

Very nice. Congrats on your CLI.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $117.8K | Utilization 0.9%

FICO 8s March 2026


Message 4 of 10
JoeRockhead
Community Leader
Super Contributor

Re: Apple Card CLI!!

Very nice growth, congratulations on your CLI and new limit!

Message 5 of 10
coreyb80
Super Contributor

Re: Apple Card CLI!!

Congrats on the increase!

Message 6 of 10
pizzadude
Credit Mentor

Re: Apple Card CLI!!

Congrats on the $6K bump !  Smiley Happy

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 7 of 10
Titans84
Valued Contributor

Re: Apple Card CLI!!

@DeeBee78 @NoMoreE46 spend for the time requested was $3,700 total. That total is a little misleading as I bought an iPhone and Apple Watch along side of the previously mentioned AirPods Pro all in September of last year. Most of that total is from those purchases. My monthly spend is usually $30 or so.

Current FICO 8:



Message 8 of 10
Total_Synergy
Contributor

Re: Apple Card CLI!!

Congratulations @Titans84 !!  It's nice to know Apple is still stingy/greedy even with your great score/TCL.  I think they are rewarding you bc your recent purchases were Apple-related.  I didn't get a CLI after I spent $3,700+ on non-Apple last year Smiley Frustrated

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 10
cashorcharge
Community Leader
Super Contributor

Re: Apple Card CLI!!

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Message 10 of 10
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