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Apple/GS & BofA CLIs

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SeaProbe
Regular Contributor

Apple/GS & BofA CLIs

Combining these into one post as the contrasts between the two are interesting…

 

After being denied a year ago for an Apple/GS CLI due to the infamous "You have not used and paid enough of your Apple Card credit limit" I tried spinning the wheel again. Apple/GS does not have a way to request a specific amount, so I filled out the form and clicked submit. This time I recieved a 2K increase to 16.5K.

Some DPs: this card is two and a half years old, with one CLI (from 12.5 to 14.5) about 18 months ago. I have used it to buy a Mac and an iPhone, plus use it for the 2% Apple Pay when I don't have a card with higher rewards in that category (such as my recent dental crown).

 

Inspired by that success, I decided to try a CLI on my BofA CCR. In contrast to Apple/GS, BofA does have a prominent field for requesting a specific CL as part of a more detailed application form. I asked for 50K, spun the wheel, and was approved for 45K. From other threads on this board, I gather that is the maximum exposure BofA's algorithm is willing to take with me.

 

Some DPs: This is an older grandfathered card with an APR of prime + 5.4. BofA has never given me an auto-CLI on this card for reasons unknown. The last CLI that I requested was about two years ago. The "request a credit line increase" link is still showing on the web page and in the mobile app.

 

My last hard pull was more than 24 months ago - 0/24 - and my FICO 8 fluctuates around 800.

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4 REPLIES 4
southernblueeyes
Regular Contributor

Re: Apple/GS & BofA CLIs

Congratulations on your CLI's!!

 

Apple has tightened up a lot on the CLI's recently. So that is a win. Smiley Happy

Message 2 of 5
CreditAggie
Community Leader
Super Contributor

Re: Apple/GS & BofA CLIs

Congratulations on your CLIs!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 5
cashorcharge
Community Leader
Super Contributor

Re: Apple/GS & BofA CLIs

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

Message 4 of 5
NoMoreDebt
Senior Contributor

Re: Apple/GS & BofA CLIs

Congrats

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $5000 SL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
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