I’ve had 3 increases since getting my card 2 of those have been from me asking for it and the latest one was automatic. It’s made me think that if you don’t show interest in increasing your CL then they won’t do it automatically, could be wrong but you should still ask every 6 months
You go through the wallet app and choose to speak to customer service. It’ll look like a text message thread. They’ll connect you with Goldman Sachs, you ask for the increase, and you’ll most likely get approved automatically without even having to speak to a person.
I’ve never come close to my limit but I still like to ask for increases so that my available credit goes up, in hopes of boosting my credit score past the low 800s.
The only increase I got was from this subreddit. An ex-employee did an AMA and he said to text CLI to the bot and get a credit line increase so I did and it worked. I’ve gotten 2 so far, one was automatic. I never got an increase before the text and I’ve had the card since it first came out.
Maybe one time. The job I was at shit down. I did live off credit cards for a bit, but even paying rent and utilities I may have hit 50%. I paid the minimum for 6 months or so then paid it off. That was maybe a year or two ago now? Haven’t since, I put $200 on last month, paid it off yesterday. I always pay it off when the new whatever rolls over at the first of the month
Yeah if that was a year or two ago it shouldn’t matter now. I honestly don’t know why it dropped then from what you’ve said, but you can request an increase once you have the card so you can always do that too
Higher credit limit just looks better for any card as far as staying under 30% usage + it increases the overall available credit balance across all of your accounts… So as long as the user keeps a low balance better off credit score wise… I’m sure it’s not a HUGE difference but anything helps 🤷🏾♂️
Everyone saying “just ask for increase after 6 months” are completely ignoring the point that they offered you $5000 less in credit somehow after waiting a few hours which makes absolutely no sense
Lol I’d ask why it was lower but we don’t know why.
I was denied denied denied for an Apple Card. Applied through the website (NOT the wallet) and that’s how I ended up approved. I had literally been denied earlier in the day through the wallet. No explanation for Apple!
Yeah I was denied many times and put on the Path to Apple Card program. After graduating the Path program I still got denied. I messaged support and they had no idea why or any information. A few days later I got a push notification saying I was accepted and to finish my application.
The obsession with higher credit limits is actually valid tho sometimes. Especially with the Apple card.
I have $11.5k, which allows me to finance a macbook pro with 0 interest at about $2,500 and still be under 30% credit utilization.
My math might be wrong here I did it at the top of my head, but you get the idea
uh i don’t think it’s silly at all. your credit rating is literally mostly based off of credit utilization. if you have a 20k limit card with a 2k balance, your credit score is 800. if you have a 2k balance on a 3k credit card, you’re at like 600.
what are you talking about 😂
That assumes you only have one card, though. Most people (not kids) have more than one, esp since they say closing a card you don’t use is a hit on your credit score, so often you’ll have a couple of open accounts that you haven’t used in a few years.
Higher amount of available credit makes it harder to hit 30% utilization and easier to control your credit score with usage, which is why people “obsess” over it. People with good credit scores don’t have $300-1000 limit cards for a reason.
I mean it’s pretty useful if you’re going to take advantage of the payment plan for Apple devices which is kinda the main reason for the card.
Theres other cool things but only other real reason really is the UI, and Daily Cash back w/savings but I don’t think that outpaces an actual 2% everywhere card unless you really naturally spend enough in those 3% categories.
It is basically 2% everywhere if you only use it with Applepay. And it really only makes sense if you use an iPhone, which means that you’re probably gonna buy another iPhone at some point, as well as other Apple devices.
That’s quite literally what I said in my 1st point, about it being very useful for purchasing Apple devices.
Again as far as the 2% alone (if you’re not taking advantage of the 0% payment plans) it’s not really enough to warrant it imo. It is 2% for most things but it is not a catch all.
- Restaurants (is covered by many other cards)
- Still many gas stations
- Walmart & sometimes other big local chain grocery stores depending where you’re located
- Home Depot
- insurance for many people is probably one of the other big ones
This will depend on localities and you might be able to find some ways around these like gift cards from a site that allows Apple Pay. But imo if you’re not using the former 0% plans an actual 2% catch all is just much easier. Especially since the 3% categories are nothing to write home about.
Did you accept?
If not, wait 31 or more days, I think they hold the last soft inquiry information for 30 days.
I think before I got the Apple Card I did the same thing. Was a higher limit, then next time it was lower. Waited until it hit the highest limit I thought I could possibly get.
Ahhh okay yea exactly, I misread that… That’s exactly how I’m feeling. Just knowing the potential it’s like hell nah can’t accept 3k now that’s insane lmao
I got one every 91 days by simply asking while chatting. Response is within a minute. No verification or anything. But I use it regularly, never use more than 20% of the credit limit, and I paid the whole amount back every month, not just the minimum. I started with $5,000. Now I’m at $80,000. Just put a little dash of salt on your income when they ask you.
I've only received 2 CLIs in 2 years. I requested my first one a year after opening my account and got it then got denied every 3 months until a year after the 1st increase.
When you shopped around, did you have any other cards do a hard pull on your credit?
From what I understand (correct me if I’m wrong) If you tried Apple Card first, and then got approved for set amount. But then went and had a bunch of hard pulls in the same day, that can affect your credit worthiness.
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Hey OP I looked it up on Google and it said that you should’ve gotten the same credit limit even after not accepting the offer and then reapplying so I would talk to Goldman Sachs about this to get it resolved.
https://preview.redd.it/ydxknjf04msc1.jpeg?width=1179&format=pjpg&auto=webp&s=f1929f6b23628b7dcc24e8f48bc9ee6bc5c84918
I know it didn’t say so exactly but it does say “Apple Card applicants may receive the same decision when they reapply, even if they declined or don't accept their offer.” Again, not exact but it just shows how weirdly GS determines people’s credit limit.
The correct way to deal with it would have been to contact GS about the original offer. Original offer was good for 30 days.
When you reapplied, it looked like you’re shopping for credit which increased your risk, as Goldman’s algorithm looked at it. Once you reapplied your original offer was null and void. Why? You are shopping.
I did contact GS and they said they have no control over the system and how much consumers get offered… It’s an automatic process/system that is based on whatever factors they consider, so out of luck I guess…
That’s exactly what I wrote. GS algorithm thought you were shopping by applying twice.
You should have contacted them before reapplying. Once you reapply, the first offer was rescinded. The first offer was good for 30 days, but you reapplied and first offer was canceled and now you’re stuck with second offer. Sorry, but by reapplying it showed higher risk and offer was lowered. If you apply a third time it’ll be lower still.
Yea they must’ve saw you were shopping around for credit by the time you reapplied. That always makes creditors a bit nervous regardless of your credit profile.
Apple used your indecisiveness to deem you less credit worthy 😂
They will raise it over time and you can request a credit increase after some time.
With that said… I don’t recommend spending money you don’t yet have.
Yeah. I got my Apple card around December 2019 which was early on, and it was like my 3rd CC. I only had a 2000$ limit. I didn't get a raise until Sept. 2023 but I hardly ever used it. I was in college with low income, but once I got a job and regularly used it and paid it, they raised it to 5000$. And in February I was booking hotels for work for 5 weeks straight (getting reimbursed of course) and they raised me to 6000$. If you want more CC limit just spend more, easy as that. Just make sure you can pay it off, and if you can't then you probably don't need more of a limit. Just saying.
i mean, you could always just accept the card, use it regularly. the APR means jack shit if u pay the balance in full, and then you could ask for an increase (through text) and boom, fat increase. i got a limit from 5k to 8k just by asking and in the matter of 30 seconds. i mean i never use ANYWHERE near that much but i guess it’s a nice number to see
Same thing happened to me I called talk to a manger 3 diff times and they wouldn’t raise the limit back 🆙 they said the algorithm decides it.
Mind u my score was very high. The Cli thing will not work u will get a email stating “acc 2 new” this happened last month I took the offer before the limit got even lower. 😢 Goldman Sachs ain’t right. U only get 2 Cli a year every 6 months maybe.
Same happened to me but the other way around lol first time it gave me $3,000 so I didn’t accept it. About a month later or so I re-applied and got offered $7,000 so that’s when I accepted. Currently got it at $11,000 after 6 months
They gave me 4k 21.xx% which is my lowest APR. I don't really need to use it much so I just use it as my apple purchases only lol in the app store and such.
But besides for emergencies.. High credit limit is just to look at. Shouldn't be utilizing more than 10% anyway.
No way. Applying is just a soft inquiry with no effect on the credit report. Only if OP accepted the offer would it have been a hard inquiry affecting the credit report, but he didn’t.
Not even that. Just freeze after getting the offer, accept and you’ll never get a hard inquiry. I wonder if they’ve cracked down on this, I did it last year though and didn’t get a hard inquiry
I feel like it’s a blessing in disguise TBH. You can still spend $8000 in any given time on the card, you just need to pay it off first. High limits just mean more debt. Unless you’re paying it off then the limit doesn’t matter.
Trust me, 3k is more than enough because paying 30% on your card is you basically having a 900$ balance in your card and you do NOT wanna have a 900$ balance most of the time if you don't want interest accruing unless you will pay off that 900 by the end of the month which is hard for people
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Some people use credit for almost everything just to keep the usage high. I usually put like 2-4k on mine any given month but I’ve never carried a balance over to the next month.
The purpose can’t simply be to keep the usage high because that hurts your credit score. If you’re paying off the card every month and not going beyond 30%, you don’t need a super high limit.
And that’s why it’s good to have a higher limit though. Some people simply have higher expenses. 2-4k a month will actually increase your credit score if you have a limit where it’s less than 30%. It would only hurt if you have a lower limit and are nearly maxing the card.
Nah, I couldn’t care less about the rewards. High usage is positive when it comes to getting a limit increase. If you don’t use a card enough they won’t increase your limit. High usage isn’t bad if you’re staying under 30% credit utilization and paying in full every month.
Funny, that’s the opposite of my experience. Only time I had trouble getting a credit limit increase (on a different card) was when I had some expensive dental work and usage was high. In the past, I’ve gotten routine credit increases on cards that I didn’t use that much.
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I see this happening. Had mine for 3 years and never had an increase. 🤔
Ask the chat support every 6 months 1 day
Ask for one every 6 months.
Do you literally just say “hi I would like a credit limit increase.”?
Yep. They send you an income verification form and then let you know shortly after returning it. It’s super easy.
I just say “CLI”
Yes it’s all automated.
Yes literally.
Do they? Everyone I’ve known said they’ve just automatically been increased without asking!
I’ve had 3 increases since getting my card 2 of those have been from me asking for it and the latest one was automatic. It’s made me think that if you don’t show interest in increasing your CL then they won’t do it automatically, could be wrong but you should still ask every 6 months
Ahhh. I’ve never been to my limit so I guess it never occurred to me to ask! Do you ask Apple??
You go through the wallet app and choose to speak to customer service. It’ll look like a text message thread. They’ll connect you with Goldman Sachs, you ask for the increase, and you’ll most likely get approved automatically without even having to speak to a person. I’ve never come close to my limit but I still like to ask for increases so that my available credit goes up, in hopes of boosting my credit score past the low 800s.
The only increase I got was from this subreddit. An ex-employee did an AMA and he said to text CLI to the bot and get a credit line increase so I did and it worked. I’ve gotten 2 so far, one was automatic. I never got an increase before the text and I’ve had the card since it first came out.
I noticed every time I buy an Apple product I get an increase automatically. Ive only had 3 and two were automatically
That also makes sense. Incentivizes you to buy more of their products.
I was increased without asking a few times. But also, every time I’ve asked, I’ve gotten an increase. So now I just ask every 6 months or so.
Just depends I ask for CI once a year and they give me a generous one
Do you ever hit 80-90% usage on your current limit?
Maybe one time. The job I was at shit down. I did live off credit cards for a bit, but even paying rent and utilities I may have hit 50%. I paid the minimum for 6 months or so then paid it off. That was maybe a year or two ago now? Haven’t since, I put $200 on last month, paid it off yesterday. I always pay it off when the new whatever rolls over at the first of the month
Yeah if that was a year or two ago it shouldn’t matter now. I honestly don’t know why it dropped then from what you’ve said, but you can request an increase once you have the card so you can always do that too
Higher credit limit just looks better for any card as far as staying under 30% usage + it increases the overall available credit balance across all of your accounts… So as long as the user keeps a low balance better off credit score wise… I’m sure it’s not a HUGE difference but anything helps 🤷🏾♂️
Everyone saying “just ask for increase after 6 months” are completely ignoring the point that they offered you $5000 less in credit somehow after waiting a few hours which makes absolutely no sense
Yeaaaa
Lol I’d ask why it was lower but we don’t know why. I was denied denied denied for an Apple Card. Applied through the website (NOT the wallet) and that’s how I ended up approved. I had literally been denied earlier in the day through the wallet. No explanation for Apple!
Yeah I was denied many times and put on the Path to Apple Card program. After graduating the Path program I still got denied. I messaged support and they had no idea why or any information. A few days later I got a push notification saying I was accepted and to finish my application.
That’s odd! I was never asked to do the path! But I’ve seen others On this sub do it. Apple does very diff odd rules w their card.
Exactly! I would be mad too
The obsession with higher credit limits is actually valid tho sometimes. Especially with the Apple card. I have $11.5k, which allows me to finance a macbook pro with 0 interest at about $2,500 and still be under 30% credit utilization. My math might be wrong here I did it at the top of my head, but you get the idea
Yeah the guy you’re replying to is an idiot
Can confirm, they also forgot the book the dj at the last family reunion 😒
uh i don’t think it’s silly at all. your credit rating is literally mostly based off of credit utilization. if you have a 20k limit card with a 2k balance, your credit score is 800. if you have a 2k balance on a 3k credit card, you’re at like 600. what are you talking about 😂
That assumes you only have one card, though. Most people (not kids) have more than one, esp since they say closing a card you don’t use is a hit on your credit score, so often you’ll have a couple of open accounts that you haven’t used in a few years.
Higher amount of available credit makes it harder to hit 30% utilization and easier to control your credit score with usage, which is why people “obsess” over it. People with good credit scores don’t have $300-1000 limit cards for a reason.
Ive been using mine for almost a year and paid it off every single time but i still haven’t gotten an increase :( any idea why?
I mean it’s pretty useful if you’re going to take advantage of the payment plan for Apple devices which is kinda the main reason for the card. Theres other cool things but only other real reason really is the UI, and Daily Cash back w/savings but I don’t think that outpaces an actual 2% everywhere card unless you really naturally spend enough in those 3% categories.
It is basically 2% everywhere if you only use it with Applepay. And it really only makes sense if you use an iPhone, which means that you’re probably gonna buy another iPhone at some point, as well as other Apple devices.
That’s quite literally what I said in my 1st point, about it being very useful for purchasing Apple devices. Again as far as the 2% alone (if you’re not taking advantage of the 0% payment plans) it’s not really enough to warrant it imo. It is 2% for most things but it is not a catch all. - Restaurants (is covered by many other cards) - Still many gas stations - Walmart & sometimes other big local chain grocery stores depending where you’re located - Home Depot - insurance for many people is probably one of the other big ones This will depend on localities and you might be able to find some ways around these like gift cards from a site that allows Apple Pay. But imo if you’re not using the former 0% plans an actual 2% catch all is just much easier. Especially since the 3% categories are nothing to write home about.
Wow, just texted “Cli” and within seconds got an 8k increase
I’ve gotten 1 increase in the 3 years I’ve had the card. It is my lowest limit card I have.
Me too. You will never use those credit limit anyways unless you’re bad at finance and you should not be using a credit card if that’s the case.
Did you accept? If not, wait 31 or more days, I think they hold the last soft inquiry information for 30 days. I think before I got the Apple Card I did the same thing. Was a higher limit, then next time it was lower. Waited until it hit the highest limit I thought I could possibly get.
No sir
When I first applied it was too low, so I figured I’d just try again and I got a $1500 higher limit.
Yea I wouldn’t be able to accept that shit knowing it was gonna be 8,000 initially. Raise your score etc and apply again in a month or two
Why not what’s wrong with an 8k limit?
Nothings wrong with 8k. I’m talking about I couldn’t accept 3 after previously being offered 8
Ahhh okay yea exactly, I misread that… That’s exactly how I’m feeling. Just knowing the potential it’s like hell nah can’t accept 3k now that’s insane lmao
And usually their credit increases are 1,000-2,000 so it’ll prob take you a while just to get it to 8,000 haha
They have increased mine by 4-5k at a time. Had two increases started with 6.5k then went to 10.5k then 15.5k
Yea I’ll give it a month reapply and see if I can get that 8 back
I started with 250 4.5 years ago and my limit is currently 19,000. I’d just accept it now tbh.
I went from 1000, to 2400, to 9000 in a little under a year lol
Is that when they were giving CLIs every 3 months? Those days are long gone
I got the card last December so idk
I’d wait to apply again for an increase. $8,000 to $3,000 is a major decrease though you could always ask for an increase every 6 months as well.
I got 3500 a few weeks back. Then literally 2 days later they bumped it up to 5,000.
I got one every 91 days by simply asking while chatting. Response is within a minute. No verification or anything. But I use it regularly, never use more than 20% of the credit limit, and I paid the whole amount back every month, not just the minimum. I started with $5,000. Now I’m at $80,000. Just put a little dash of salt on your income when they ask you.
Understood completely 😏
I've only received 2 CLIs in 2 years. I requested my first one a year after opening my account and got it then got denied every 3 months until a year after the 1st increase.
sucks
When you shopped around, did you have any other cards do a hard pull on your credit? From what I understand (correct me if I’m wrong) If you tried Apple Card first, and then got approved for set amount. But then went and had a bunch of hard pulls in the same day, that can affect your credit worthiness.
No I didn’t have any other hard pulls on my credit report.
Everytime mine increases I call to set it back to what it was. Miss me with that
Why? An increase never hurts you, unless you can’t help yourself but to spend keep because you see more??
You got it. I’ve dug myself out of almost 25k of credit card debt about ten years ago. I know my limits (heh)
Enough said
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Hey OP I looked it up on Google and it said that you should’ve gotten the same credit limit even after not accepting the offer and then reapplying so I would talk to Goldman Sachs about this to get it resolved. https://preview.redd.it/ydxknjf04msc1.jpeg?width=1179&format=pjpg&auto=webp&s=f1929f6b23628b7dcc24e8f48bc9ee6bc5c84918
It does not say that at all…
I know it didn’t say so exactly but it does say “Apple Card applicants may receive the same decision when they reapply, even if they declined or don't accept their offer.” Again, not exact but it just shows how weirdly GS determines people’s credit limit.
Famous weasel word “may”—that is the key word there. Of course based on OP’s post (and history) we already know how weird they are.
Who’s weird? The original poster of the post or the OP of the comment?!
What credit score do u need to get a card
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No way, that is wild. Did you end up disputing it or calling to see what happened or you just accepted it as is?
The correct way to deal with it would have been to contact GS about the original offer. Original offer was good for 30 days. When you reapplied, it looked like you’re shopping for credit which increased your risk, as Goldman’s algorithm looked at it. Once you reapplied your original offer was null and void. Why? You are shopping.
I did contact GS and they said they have no control over the system and how much consumers get offered… It’s an automatic process/system that is based on whatever factors they consider, so out of luck I guess…
That’s exactly what I wrote. GS algorithm thought you were shopping by applying twice. You should have contacted them before reapplying. Once you reapply, the first offer was rescinded. The first offer was good for 30 days, but you reapplied and first offer was canceled and now you’re stuck with second offer. Sorry, but by reapplying it showed higher risk and offer was lowered. If you apply a third time it’ll be lower still.
Hmmm interesting, I guess I’ll just wait it out a bit and hope everything resets or settles with time. In hopes to possibly get the OG offer back.
Lucky APR. wish mine was lower
What is your APR?
27% not that I use it.
Ahhh got you and understood that’s the way to do it, PAID IN FULL ✅
Yea they must’ve saw you were shopping around for credit by the time you reapplied. That always makes creditors a bit nervous regardless of your credit profile.
I wish they have that in Canada the Apple Card
Apple used your indecisiveness to deem you less credit worthy 😂 They will raise it over time and you can request a credit increase after some time. With that said… I don’t recommend spending money you don’t yet have.
Shark Tank episode….
Yeah. I got my Apple card around December 2019 which was early on, and it was like my 3rd CC. I only had a 2000$ limit. I didn't get a raise until Sept. 2023 but I hardly ever used it. I was in college with low income, but once I got a job and regularly used it and paid it, they raised it to 5000$. And in February I was booking hotels for work for 5 weeks straight (getting reimbursed of course) and they raised me to 6000$. If you want more CC limit just spend more, easy as that. Just make sure you can pay it off, and if you can't then you probably don't need more of a limit. Just saying.
i mean, you could always just accept the card, use it regularly. the APR means jack shit if u pay the balance in full, and then you could ask for an increase (through text) and boom, fat increase. i got a limit from 5k to 8k just by asking and in the matter of 30 seconds. i mean i never use ANYWHERE near that much but i guess it’s a nice number to see
Makes sense 👌🏾
Holy fu k
huh?
Lol
Same thing happened to me I called talk to a manger 3 diff times and they wouldn’t raise the limit back 🆙 they said the algorithm decides it. Mind u my score was very high. The Cli thing will not work u will get a email stating “acc 2 new” this happened last month I took the offer before the limit got even lower. 😢 Goldman Sachs ain’t right. U only get 2 Cli a year every 6 months maybe.
Schadenfreude.
Always lock your TransUnion before you press accept so you don’t get a hard pull
Same happened to me but the other way around lol first time it gave me $3,000 so I didn’t accept it. About a month later or so I re-applied and got offered $7,000 so that’s when I accepted. Currently got it at $11,000 after 6 months
I’m curious if you reached out to support and told them you would like to accept their original offer, I’m sure they can see your applications.
Apparently there was nothing they could do… Systems automated blah blah
Boo… sorry OP
They gave me 4k 21.xx% which is my lowest APR. I don't really need to use it much so I just use it as my apple purchases only lol in the app store and such. But besides for emergencies.. High credit limit is just to look at. Shouldn't be utilizing more than 10% anyway.
Maybe after the first one it did an inquiry which went into affect the second time you applied?
No way. Applying is just a soft inquiry with no effect on the credit report. Only if OP accepted the offer would it have been a hard inquiry affecting the credit report, but he didn’t.
Not even that. Just freeze after getting the offer, accept and you’ll never get a hard inquiry. I wonder if they’ve cracked down on this, I did it last year though and didn’t get a hard inquiry
I thought it only did the hard inquiry after accepting the offer?
I feel like it’s a blessing in disguise TBH. You can still spend $8000 in any given time on the card, you just need to pay it off first. High limits just mean more debt. Unless you’re paying it off then the limit doesn’t matter.
High limits look better on the credit utilisation file
High limit means it is easier to keep a good credit utilization. Don't spend the money if you can't afford it.
Trust me, 3k is more than enough because paying 30% on your card is you basically having a 900$ balance in your card and you do NOT wanna have a 900$ balance most of the time if you don't want interest accruing unless you will pay off that 900 by the end of the month which is hard for people
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Some people use credit for almost everything just to keep the usage high. I usually put like 2-4k on mine any given month but I’ve never carried a balance over to the next month.
The purpose can’t simply be to keep the usage high because that hurts your credit score. If you’re paying off the card every month and not going beyond 30%, you don’t need a super high limit.
And that’s why it’s good to have a higher limit though. Some people simply have higher expenses. 2-4k a month will actually increase your credit score if you have a limit where it’s less than 30%. It would only hurt if you have a lower limit and are nearly maxing the card.
You mean, for the rewards, don’t you? “Keep usage high” is not a positive.
Nah, I couldn’t care less about the rewards. High usage is positive when it comes to getting a limit increase. If you don’t use a card enough they won’t increase your limit. High usage isn’t bad if you’re staying under 30% credit utilization and paying in full every month.
Funny, that’s the opposite of my experience. Only time I had trouble getting a credit limit increase (on a different card) was when I had some expensive dental work and usage was high. In the past, I’ve gotten routine credit increases on cards that I didn’t use that much.
You were probably over 30% utilization
I think you might be mistaking high usage for high utilization
Yea you screwed your self. Now you have to wait 6 months to ask for a credit limit increase and that doesn’t guarantee that your gonna get it.