@Anonymous wrote:Just wanting to share some data points with the community that might be helpful for someone else for an Apple Card. I have been working on rebuilding my credit over the last few years and while my credit score is still a work in progress (came from low 490's in 2017/2018 to mid to high 600's, see data points below) , I have a long employment history as well as income to support the credit line from an underwriting stand point ...$365k combined household income( I know there are many factors...Apple allows you to claim combined household income on App FYI). The challenge is I have a thin credit profile for my age even though my credit history is somewhat long. They did a HP of my TU FICO 9 score and my score came back as 636. My worst baddies are from 5 late payments on my Chase Saphire Card ...4 from 2018 + 1 from mid 2019 that appear on all my reports and 2 closed installment loans that I paid off in full...1 in full no lates and 1 in full 2 lates from 2017which only appear on my TU reports. I got an approval of $1500k at 21.99% APR. I've heard you can get an credit limit increase every 3 months with Apple if you use around 25% on average which I would plan to pay before the close period each month. This is only my 3rd credit card which brings my total CL to $16,250. Anyone with experience requesting CLI from Apple and the time in which you have to wait to request one? Thanks in advance.
Age: 35 YO
Income: $146k, Combine HH Income: $365k
$25k company stipend towards vehicled paid over time
$40k of additional Income
CL: $16,250
Credit Cards - Chase Saphire - $12,000, Apple Card - $1,500, Capiltal One Platinum Card - $2,750
AAO: 9 yrs 4 months
CU: 58% CU
DTI: 11.51%
HP's: TU 1, EX 2, EQ 0
Fico 8 Scores: EQ 632 , TU 667 , EX 644Fico 9 Scores: EQ 603, TU 636, EX 591
Fico 8 Auto Scores: EQ 651 , TU 645, EX 657
Fico 9 Auto Scores: EQ 608 , TU 631 , EX 597
Fico 5 Mortgage: EQ 655
Vantage 3.0: EQ 606 , TU 699
Goal Score: 760 across board
Employment length - Current Employer - 1.5 years
Previous Employer - 4 years
Length of Employment - 13 + years
Congrats on your new card. You can request a cli every 91 days. You do it in the wallet app. Very quick and easy.
Grats on your Apple card approval 
