@Anonymous wrote:Is there a variable that you haven't shared because I agree this is not logical with your posted scores and limits? You referenced an income concern and certainly that would be a factor if your income is very limited to non-existent.
You have 5k and 10k limits with great bank/CU creditors. Bringing down your "debt" under $650 would require to pay in full prior to statement closing. Such a low number is well below what a lender is expected to see reporting as monthly spend to support those credit limits.
If Apple/GS is so concerned about you having essentially no use of credit being reported, I cannot imagine you being offered a credit line to do more than purchase a few packs of gum. Certainly not a large enough limit that utilizes the no interest financing of Apple products.
Good luck
Everything I shared was what I was told. Usually the responses I get when applying are "your monthly debt obligations are too high compared to your income" I did check it out tho, reducing my overall debt to below $649 does put me at debt to income ratio of below 30%. So that may be what they're looking for?
Well, often we reach a point in these discussions where we can't answer why the bank did something. 
Let us know how the Path works out. It's probably worth checking as soon as you get the reported balances lower.
$900 is, after all, high debt... sarcastic eye roll to follow.
Good luck. Apple Card is a good one to get.
@NRB525 wrote:Well, often we reach a point in these discussions where we can't answer why the bank did something.
Let us know how the Path works out. It's probably worth checking as soon as you get the reported balances lower.
$900 is, after all, high debt... sarcastic eye roll to follow.
Good luck. Apple Card is a good one to get.
I'll most likely have that paid off by the end of this month and I'll try again. We'll see how they decide to react, then!
Could it be a DTI issue?
Just throwing a guess into the ring......
Let us know how it turns out, regardless of what you decide to do.....
-J
My TU is frozen and I got the "unlock your credit" message....I don't think that's your issue. Waiting to hear your results before I unlock mine.
012019 Fico8/Mortgage Score: 
@newmomnewme wrote:My TU is frozen and I got the "unlock your credit" message....I don't think that's your issue. Waiting to hear your results before I unlock mine.
When I did the original application, I had my credit unlocked. I ended up enrolling into the "Path to Apple Card" program, but was originally curious if I needed to keep my credit unlocked for that program. I'm going to just try though and apply again once I lower my utilization.
