Established Member
Posts: 28
Registered: ‎03-24-2013

Comenity Website CLI - SP Or HP?

Is requesting a CLI on Comenity's website a SP or HP? For J.Crew specifically.

Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011

Re: Comenity Website CLI - SP Or HP?

They are all SP's but they are sooooo stingy with increases.  Like you'll be lucky to get a CLI once a year with those bozos.  I kinda of hate that I opened up some of their cards.  

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Posts: 1,865
Registered: ‎03-30-2012

Re: Comenity Website CLI - SP Or HP?

How old is the account? If it's a new account, don't even bother.


I've heard 9 months and then you can request every 3 months after the first. SP only.

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Frequent Contributor
Posts: 267
Registered: ‎02-08-2010

Re: Comenity Website CLI - SP Or HP?

SP for Jcrew.  I just got a CLI.  I only get them about every 6 months if I use the card for some purchases.   Typically, the CLI is for $200 each request.  I have other Comenity cards that occasionally get an auto CLI thats higher than $200.  They like you to use their cards frequently.  

09/20/14 FICOs, EX 671, EQ 677, TU 701
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012

Re: Comenity Website CLI - SP Or HP?

I just opened two accounts with them because they were SPs and for utilization purposes. I haven't used them yet since I opened though, I plan on closing them in like 6-9 months probably. They're pretty much useless.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012

Re: Comenity Website CLI - SP Or HP?

I have decent limits, but Ive had my exp&anf card since 06&07. Lol
The clis are sps, and tbh, they havent actually softed my report in at least a year or two.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Posts: 93
Registered: ‎08-21-2011

Re: Comenity Website CLI - SP Or HP?

My J Crew card has more than doubled in a years time. The one time I was softed was around 5 months after getting the card. I initiated the increase and they pulled Transunion.

In my experience, Comenity seems to base auto CLIs on your relationship with them without softing you. When I requested a CLI through their luv button, I was NOT softed for Victoria's Secret or another card (can't recall which one). Also, my increases with them have been generous. But what constitutes generous or stingy is all relative I guess.

NEW GARDEN CLUB MEMBER as of 3/23/2013. No activity until 8/2015 unless it's an auto CLI.
Starting Score:
Current Score (as of 3/19/2013): 663
Goal Score: 750.
Take the myFICO Fitness Challenge
Established Contributor
Posts: 805
Registered: ‎02-01-2008

Re: Comenity Website CLI - SP Or HP?

I can't speak for jcrew, but I do have the Victoria's Secret card through them.  I got it late last March (so it's probably a year old now) and it started at $500 through a shopping cart pop up pre-approval.  


I requested my first CLI in early November and it went up to $700 (there was a delay of a day or two before I got a response) and I just requested one again through the site and was instantly approved for another $300 bringing my CL to $1000 - didn't have to wait, it just loaded up right after clicking submit!  


I've always heard that they're easy to get CLIs with, although they may be "small" by some standards, I'm happy to see a 100% increase in a year through two requests that were both soft pulls!


Admittedly my VS card sees frequent action which may help.  It gets used several times a year to take advantage of different specials, lots of small orders.

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Valued Contributor
Posts: 2,306
Registered: ‎09-26-2011

Re: Comenity Website CLI - SP Or HP?

DW has a Lane Bryant card from them...two cli's in a less than a year...400 to 600 to 850.


No hard pulls...either a soft pull or no pull... (I'll confess that I don't pay that much attention if it isn't a hard pull...)

Current Scores: EX 671 (FCR) TU08: 638 Wally (TU08).10/11//14 Last app 05/29/2014.
Being held hostage in the garden until 01 November 2014.

Zero percent financing is where the devil lives...
New Contributor
Posts: 401
Registered: ‎03-16-2013

Re: Comenity Website CLI - SP Or HP?

Mine is at 5k

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170

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