Apple Card Credit Limit Increase Hack: How to Increase Your Spending Power

Is there an Apple Card ? There's no magic solution for getting more credit, but there are plenty of helpful strategies that can get your increase request approved. Increasing your credit limit is a great financial move that can improve your credit score and give you more financial flexibility. DoNotPay can help you easily request a larger line of credit. Here's what Apple Card users should know about requesting a credit limit increase.

How to Request an Apple Card Credit Limit Increase

Goldman Sachs, the bank that issues the Apple Card, says that it doesn't offer automatic credit limit increases, so you shouldn't rely on getting offered one without requesting it. However, some Apple Card customers have received automatic increases, so don't be surprised if this happens.

To request an increase to your Apple Card credit limit, you'll send a message to a Goldman Sachs representative to make your request. To do this:

On your iPhone:

Go to the Wallet app.
Select Apple Card.
Tap the three dots icon.
Tap the speech bubble icon.
Write and send your request.

On your iPad:

Go to the Settings app.
At the bottom of the screen, tap Wallet & Apple Pay.
Select Apple Card.
Select the Info tab.
Tap the speech bubble icon.
Write and send your request.

In your message, include the following information:

How large of an increase you're seeking.
If your income has increased.
If your credit score has improved.
Why you want an increase.

Easy Hacks for Getting a Higher Apple Credit Card Limit

Here are three strategies that can help you get your credit limit increase approved.

Make at Least 20 Transactions per Month

Apple seems to prefer giving credit limit increases to customers who use their Apple Cards frequently. As long as you keep the total balance manageable enough that you can pay it in full at the end of the month, making frequent transactions seems to be a good way to get a higher limit.

Don’t Request More Than a 20% Increase

Credit card companies don't like to increase credit limits for people who seem desperate for more credit, because these customers are more likely to rack up large bills that they can't afford. To make it clear that you're not in a bad financial situation, keep your request at about 20% more than your current credit limit. It's common to be approved for a larger limit than you ask for, so this won't necessarily mean that you'll only increase your limit by that much.

Keep Your Utilization Under 30% And Ideally Under 10%

This is a good practice for both improving your credit score and increasing your credit line. Keeping your spending below 30% of your current credit limit will improve the utilization factor on your credit score and make it clear that you can handle the amount of credit you have now. Keeping your balance below 10% will improve your credit score even faster. If you can't keep your spending that low, try making multiple payments during the month.

Consider These Before You Request a Credit Increase

Credit limit increases are not available to those who have recently obtained a card or have reduced their credit limit over the last few months. Before you request a credit limit increase for your Apple card, consider these factors:

Income	You may be asked to supply information about your earnings while applying for a credit limit increase. To guarantee that you aren't offered more credit than you can afford to repay, the credit company will most likely look at your gross income compared to your debt.
Delinquency	They may consider the amount of outstanding debts on your credit reports when deciding whether or not to increase your credit limit. Overdue accounts are those that are past the payment date. People with a history of late payments are often looked down upon by credit lenders.
Hard Pull	When a credit card firm checks your credit score before choosing whether or not to approve your request, this is known as a hard inquiry. This type of query can stay on your credit reports for up to two years. If you have a lot of hard inquiries on your credit record, they may be skeptical of your increase request. A string of hard inquiries could indicate a high-risk customer opening many new accounts due to a financial constraint and could be a bad borrower.

Even with these , managing your credit and requesting a credit limit increase can feel overwhelming.

Easily Increase Your Apple Card Limit With DoNotPay

Even with credit cards like the Apple Card that make requesting an increase fairly straightforward, asking for more credit can be overwhelming. DoNotPay has a fast, easy, and successful solution with its Credit Limit Increase product. Avoid the stress and hassle of requesting an increase on your own while getting the greater spending power and better credit score that comes with a higher credit limit.

How to request higher credit limits using DoNotPay:

If you want to ask Apple to increase your credit card limit but don't know how to get started, DoNotPay can help in 6 simple steps:

Go to the Credit Limit Increase product on DoNotPay.
Select which type of card you own and your credit provider.
Tell us more about your card, such as when you first created this card, your current credit limit, what you would like your new limit to be, your card number, and whether you've missed past payments.
Tell us more about your current income and expenses and why you would like to request a limit increase.
Indicate whether you want to allow hard inquiries to be made into your credit history. Upload a copy of your ID and provide your e-signature
Submit your task! DoNotPay will deliver the request letter on your behalf. You should hear back from the card provider with confirmation or a request for more information within a few weeks.