03-25-2013 07:38 PM
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.
03-25-2013 07:41 PM
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.
03-25-2013 07:42 PM
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.
03-25-2013 09:31 PM
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.
03-25-2013 09:41 PM
03-26-2013 12:20 AM
03-26-2013 06:11 PM
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.
03-27-2013 01:18 PM
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...)
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO