Automatic Apple Card CLI ($8k to $12k)
Hello everyone!
I wanted to share the excitement and some dp (data points) that may have triggered this automatic CLI.
As preamble, I was approved for the AppleCard on Oct 8, 2020, and requested its first CLI on Jan 10, 2021 (here are the dp for that CLI: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Apple-Card-CLI-from-5k-to-8k/td-p/6225742)
DW was also approved an AppleCard on Oct 8, but we focused all purchases from Oct/Nov/Dec on mine, and purchases on Feb/March/April were aimed for her CLI request (which, sadly was unsuccessful due to some dirt leftovers on her credit file).
Anyway, we refocused all purchases of June/July/Aug back on my AppleCard, for me to request another CLI in the first week of September.
However, today I received an email from Apple, notifying me of a $4,000 automatic CLI. (Screenshot: https://imgur.com/a/j5vbvta)
Here are my dp:
January bill cycle (1/01 - 1/31)
New charges: $530.55
PIF in 4 pymts throughout the month (different amounts):
1/10
1/14
1/18
1/25
No pending charges
$0 bill
February bill cycle (2/01 - 2/28)
New charges: $849.55
PIF in 4 pymts throughout the month (different amounts):
2/5
2/10
2/19
2/28
No pending charges
$0 bill
March bill cycle (3/01 - 3/31)
New charges: $144.90
Paid down to (different amounts):
3/2
No pending charges
$144.90 bill
PIF on 4/02 (before due date)
April bill cycle (4/01 - 4/30)
New charges: $134.35
PIF in 1 pymt at bill cycle cut date:
4/30
No pending charges
$0 bill
May bill cycle (5/01 - 4/31)
New charges: $261.81
No pending charges
$261.81 bill
PIF on 6/07 (before due date)
June bill cycle (6/01 - 6/30)
New charges: $3,199.42
PIF in 3 pymts throughout the month (different amounts):
6/11
6/12
6/29
No pending charges
$0 bill
July bill cycle (7/01 - 7/31)
New charges: $3,210.83
PIF in 1 pymt at bill cycle cut date:
7/31
No pending charges
$0 bill
Aug bill cycle to date (8/01 - 8/25)
New charges: $3,401.72
No payments to date date.
Pending charges: $94.77
On the previous CLI, I spent a monthly average of 28% of the SL, and got granted a 62.5% CLI.
On this automatic CLI, I have spent a monthly average of 40% of my SL in the last [almost] 3 months, and got granted a 66.7% CLI.
I cannot thank this community enough for all the guidance provided! You guys rock!
💪🏼💪🏼💪🏼
Hope this helps you achieve your CLI one way or another. Good luck! 👍🏼
AU:
Nice CLI -- Congrats!
& thanks for the extensive DPs.
Congrats on your Apple Card auto CLI
Congratulations
Starting Score: 513 Ex 520 Eq 534 Tu
Congrats on your CLI!
