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Apple Card - struggling with CLI

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TRC_WA
Senior Contributor
‎03-14-2023 08:35 AM
‎03-14-2023 08:35 AM

Re: Apple Card - struggling with CLI

Nice DP's everyone... probably just gonna wait until I complete the PTAC program and my reports are clean before I apply.  

 

I don't want to try the SCT and get a $600 limit for buying a $500 iPad.  Smiley LOL

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 11 of 15
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sznthescore
Established Contributor
‎03-14-2023 11:41 AM
‎03-14-2023 11:41 AM

Re: Apple Card - struggling with CLI

@TRC_WA wrote:

Nice DP's everyone... probably just gonna wait until I complete the PTAC program and my reports are clean before I apply.  

 

I don't want to try the SCT and get a $600 limit for buying a $500 iPad.  Smiley LOL

Put more stuff in the cart (but not too much)... 😈 You don't have to purchase the items after approved... I didn't 🫣

REBUILDER CARDS




Goal: FICO 700+
Message 12 of 15
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TRC_WA
Senior Contributor
‎03-14-2023 11:51 AM
‎03-14-2023 11:51 AM

Re: Apple Card - struggling with CLI

@sznthescore  @madmann26 

 

Haha!  It worked!  I put a $1900 iPad Pro in my cart and they approved me for a $1500 SL!!! Smiley LOL

 

Perfectly fine because the iPad I'm gonna get the girl is only like $500.  Woot!  Gonna wait till my reports are clean before applying for a CLI!

 

 

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 13 of 15
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sznthescore
Established Contributor
‎03-14-2023 11:54 AM
‎03-14-2023 11:54 AM

Re: Apple Card - struggling with CLI

@TRC_WA wrote:

@sznthescore  @madmann26 

 

Haha!  It worked!  I put a $1900 iPad Pro in my cart and they approved me for a $1500 SL!!! Smiley LOL

 

Perfectly fine because the iPad I'm gonna get the girl is only like $500.  Woot!  Gonna wait till my reports are clean before applying for a CLI!

Congratulations! 🥳 Now finish cleaning up the reports and get that increase.... 👊🏽👍🏽

REBUILDER CARDS




Goal: FICO 700+
Message 14 of 15
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TRC_WA
Senior Contributor
‎03-14-2023 12:13 PM
‎03-14-2023 12:13 PM

Re: Apple Card - struggling with CLI

@sznthescore wrote:

Congratulations! 🥳 Now finish cleaning up the reports and get that increase.... 👊🏽👍🏽

Yep!  Just purchased the $600 iPad and am good to go!

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
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