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Comenity Website CLI - SP Or HP?

Established Member

Comenity Website CLI - SP Or HP?

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

Message 1 of 23
22 REPLIES
Valued Contributor

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
Message 2 of 23
Valued Contributor

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 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 3 of 23
Frequent Contributor

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.  

04/10/17 - FICO 8s - EX 769, EQ 710, TU 724
Message 4 of 23
Frequent Contributor

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.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 5 of 23
Senior Contributor

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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 6 of 23
Contributor

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:
626
Current Score (as of 3/19/2013): 663
Goal Score: 750.
Take the myFICO Fitness Challenge
Message 7 of 23
Established Contributor

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!)
Message 8 of 23
Senior Contributor

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...)



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 9 of 23
New Contributor

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
Message 10 of 23