Comenity Express CLI - SP or HP?

[Lin55]

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@Uppingmyscore wrote:

If you haven't tried a sp since 2010 it's worth the try now if your utilization is not high or you haven't added anything negative to your account since it's been open.  You should be good.

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Last month my CRs had a 36% UTIL (high). Next week it will read about 15%. So I'm assuming 5 weeks from now, Comenity's SP will read the 15% UTIL and not the 36% UTIL. Other than that I have a very thick/good/clean profile.

In that case I have a better chance of a higher CL if hitting the luv button in 5 weeks, yeah?

[Uppingmyscore]

They give out very small limits so I truly doesn't think it will matter....JMHO.

[Lin55]

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@Uppingmyscore wrote:

They give out very small limits so I truly doesn't think it will matter....JMHO.

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thanks. I will think about it...

[Boonie]

Always a soft pull with Comenity for CLIs.  I hit it all the time, and get several rejection letters usually due to my recent increase.  JCrew is the most generious giving CLIs than any other Comenity cards I have.  So try it!

[Lin55]

I pushed the button. Went from $900 to $1200.

[tryme]

I purchased a smartphone off HSN.com in January 2014. I got the "do you want to apply for the HSN store cc" message. I don't remember if it was a preapproval or not. I weighed the pros & cons of applying for the store cc or the MC. I should have applied for the MC because I haven't used my store cc since. This was my 1 and only purchase from HSN. Anyway, I got approved for $1,500, which was surprising. Come to find out, it was HP on EQ. It also showed up on my CK. So....just be careful about the Comenity SP & HP. Looking back, I assume the message that popped up on my screen was not a preapproval. Hence, the HP on my EQ report. By the way, I returned the smartphone, so I feel the HP was somewhat of a waste. The $1,500 bump on credit availability is a plus though. I hope this helps someone....

[yudeology101]

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@Uppingmyscore wrote:

Soft pull for me....I've gotten a CLI twice over the last 6 months!!!  GL

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Very nice~ how long have you had the card and were they small bumps?

[Lin55]

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@Lin55 wrote:

I pushed the button. Went from $900 to $1200.

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Data point - it was a SP.