Credit Cards Center Credit cards from our partners
Reply
New Member
Posts: 5
Registered: ‎09-27-2016

Comenity Overstock big CLI

Hey everyone, I was shopping for a saw and although I didn't have enough available credit on my overstock card I decided to see if it would let me and raise my limit since I've read others have had some success with that. My limit was $250 and they bumped me all the way up to $1500! The purchase was only taking my balance to $400 so I don't know how they came up with it but I'll take it.

 

Some background, I've had the account just over 6 months and usually keep a balance less than $50 at statement cut. My scores across the board are high 500s.

Senior Contributor
Posts: 3,373
Registered: ‎05-25-2016

Re: Comenity Overstock big CLI

Congrats I have been at my 250 SL but have only had the card for 5 mths I was actually about to close it out but I may wait and see if I get a CLI after 6mthd
Member
Posts: 9
Registered: ‎10-07-2016
0

Re: Comenity Overstock big CLI

Overstock will give you a CLI every 31 days if you ask them for it. Sometimes you may mix up the days, so if it says no,wait 1-2 days and ask again. I get one every month Smiley Happy

Member
Posts: 18
Registered: ‎03-17-2017
0

Re: Comenity Overstock big CLI

Congrats on the CLI. Can you give a little more detail on how the checkout process went, or did you ask for cli before checkout while it was in your cart?

I'm asking because I did the same thing with Comenity with my HSN card. I had about $650 available and they let me buy a mattress for $1300 on flexpay 6 payment a little over $200 a month. However, they never raised my limit to the order total. My original limit is $750 and currently still is.
Member
Posts: 18
Registered: ‎03-17-2017
0

Re: Comenity Overstock big CLI

So I am planning on paying more than that each month or it will obviously go over limit and I don't even want to get on Comenity radars!
New Member
Posts: 5
Registered: ‎09-27-2016

Re: Comenity Overstock big CLI

Hey Rod, thanks!

 

I had checked the credit limit the night before and it was still $250. I didnt apply for a cli I just went through the checkout process. I had tried this once before and it didn't go through so I think it's because I went past 6 months since opening.

 

If I had to guess I would say the 2 cards just have different ways of handling this. That's certainly a strange way of doing it on the HSN card. Hope they do give you a permanent cli soon.

New Member
Posts: 5
Registered: ‎09-27-2016
0

Re: Comenity Overstock big CLI

Thanks for the tip creditbuilder I will definitely try that! 

Senior Contributor
Posts: 5,708
Registered: ‎04-23-2016
0

Re: Comenity Overstock big CLI

Congrats on the cli, every bit helpsSmiley Happy
Frequent Contributor
Posts: 388
Registered: ‎03-07-2007
0

Re: Comenity Overstock big CLI

I started with over stock last march at 250 now 1850  .200 @ a time

current fico 08 ex 612 eq 569 tu 590 ex bankcard 08 630 ex fico 02 612
navy cr 1k discover sec. 300 credit one 450 overstock 2050 mjc 5k 2 penfed oloc 500 each goal to see 700 across all 3 one time
Senior Contributor
Posts: 3,373
Registered: ‎05-25-2016
0

Re: Comenity Overstock big CLI

Did you have to wait a 6 math period bf you got your 1st increase

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.