What amount are we talking about that need such approval from a credit card company. Most people have a limit so if it is not exceeded,they should get their phone right? Or am I missing something.It could be something to do with the number of hard pulls you have in the last 2 years. For example, chase will not approve you for the sapphire preferred, freedom, or slate card if you have more than 5 hard pulls in a 2 year span. This is something new chase introduced a few months ago, and it could be something the bank apple is using does. That would easily explain credit scores over 800 being denied.
They may not being using that exact amount of pulls, but it could easily be "x" amount of pulls = auto denial.