@biff-henderson wrote:
If my spend decreases, will they get stingy liek Cap1?
I have not seen anything to indicate that GS manages accounts like Cap1. Nobody does it ...like Cap1. No signs of being bucketed, at any rate...You already have a cummulative 7x CLI -- Doesn't seem like anything is holding you back.
I'm uncertain if CLIs and spend are highly coupled for GS/Apple card. I think there was some consensus developing that spend was important, maybe determinative, but recall contradicting reports later in time, where meaty CLIs were obtained with modest or even nominal spend. You might have to experiment; see if you get denied or not with specific reason
insufficient spending of current CL
GS really seems to like you. Looks like you might be at a point where it would be worth your while add another major bank card, American Express, Chase (<5/24!), Discover - IT etc. but that depends on scores (~700+ Fico8), debt/income, etc.
from a post by Aim_High
4/2021
You can ask every 91 days. Just keep in mind that they want to see some substantial spending of current credit limit to approve an increase. Based on previous CLI trends, it has appeared that spending no less than 25% to 30% of your current CL in the few prior months to a CLI request is needed to avoid the "insufficient spending of current CL" denial message. Higher spending has sometimes led to larger relative increases.
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/10K-CLI-on-Apple-Card-to-30K/td-p/6314561/pag...
Credit Profile (May 2026)
F8 EX 810 EQ 816, TU 816, F8 BC EX 838, EQ BC 842, F9 EX 801
TCL: $181,100, reporting available: $178,135
cc utilization: 2%, auto loan: $2,606/$6,850
AoOA 8Y, AAoA 4Y 6M, AoYA 1Y 6M
new cc accounts 2/24, 0/12, 0/6, 0/3, INQs 12 months EX 0, EQ 0, TU 0
Personal Cards (17)
US Bank/Elan - Fidelity Visa Sig, Chase/Amazon Prime Visa, Freedom Unlimited, Bank of America CCR,
American Express BCP+CM, GS Apple Card (MC), PenFed PC Rewards, Truist Future, Citibank DoubleCash,
Discover IT + BT,Regions Cash Rewards, Wells Fargo AC, CapOne QS (x2), Synchrony PPMC +
Closed (1): Synchony Amazon Prime
Business Cards (1)
American Express BBC
