this post was submitted on 28 Nov 2023
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My Apple Card has been a major disappointment. Even with excellent credit and other credit cards with $20k+ limits, they won’t up my spending limit much or fast. It’s at $900 a month and I signed up early.
It’s also a spending limit, not a credit limit. My other cards will allow me to buy a vacation for $20k, pay off the card immediately, and have full access to the limit again. The Apple Card limits spending to $900 a month total, making it almost useless for daily spending or large purchases.
It gives less in points benefits than other cards, too. I bought a new Mac on points from my Chase Preferred card, our daily spending card, after I couldn’t get GS to up the limit so we could buy it on the Apple Card.
I’ve already sworn off Synchrony, years ago. If that's who takes over, the Apple Card gets canceled.
There’s no spending limit. Maybe you just didn’t wait long enough for your payment to clear. I think it’s possible to set up a spend limit for yourself.