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Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Express/Comenity CLI button

Is it a SP or HP?


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 1,951
Registered: ‎03-30-2012
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Re: Express/Comenity CLI button

Word on the street is that it's SP...

 

How old is the account? I've heard you have to wait 9 months if it's new.

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: Express/Comenity CLI button

I just got it, but they only gave me $250 CL. D;

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
Posts: 444
Registered: ‎12-05-2012
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Re: Express/Comenity CLI button


injustifiiable wrote:

Word on the street is that it's SP...

 

How old is the account? I've heard you have to wait 9 months if it's new.


+1   I called Comenity on Friday to find out about CLI policies, they said 9 months for a successful request. I've heard its a SP too, but i havent tried it yet. I got an  auto CLI after 6 months. ($400 to $800). 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Regular Contributor
Posts: 199
Registered: ‎11-24-2012
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Re: Express/Comenity CLI button


injustifiiable wrote:

Word on the street is that it's SP...

 

How old is the account? I've heard you have to wait 9 months if it's new.



It is a SP and you do have to wait 9 months before you can hit that love button. However.... in my personal opinion, I think that you should bypass that love button altogether and just call it in because its just better and more successful with the CLIs.

Current Score: TU 671 / EQ 675 / EX 682
Goal Score: 700 Club Across the board!

Valued Contributor
Posts: 1,951
Registered: ‎03-30-2012
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Re: Express/Comenity CLI button


jennylocha wrote:

injustifiiable wrote:

Word on the street is that it's SP...

 

How old is the account? I've heard you have to wait 9 months if it's new.



It is a SP and you do have to wait 9 months before you can hit that love button. However.... in my personal opinion, I think that you should bypass that love button altogether and just call it in because its just better and more successful with the CLIs.


That's good to know, then. I just got my Express account in December and can't wait to get some LUV from WFNNB...

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: Express/Comenity CLI button

Oops, I pressed it by accident. >.<

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
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Senior Contributor
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Registered: ‎09-06-2008
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Re: Express/Comenity CLI button

It was a hard inquiry on my EX report just a few days ago.  Requested it online.

 

Strangely, I got a letter in the mail yesterday saying they were unable to approve my request (I got a $350 increase) for some miscellaneous reason.  Weird!  Same thing with my New York & Co account.

 

For some reason though, I am unable to request a CLI for my LOFT card online.  When I get to the screen where they ask for your income, nothing happens.  I click Submit & the page just refreshes itself!  I'll keep trying.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Frequent Contributor
Posts: 473
Registered: ‎02-29-2012
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Re: Express/Comenity CLI button

I got my card last night with a 500 limit. Gentleman on the phone said they are trying for 6ms CLI if you pay more then the min due every month. There is a new one about 2 miles from my house will try it Thursday.  They gave me the highest starting limit yet with just a SP.

building since 2011 EX 714, EQ 729, TU 724 3/11/15
Wallet:ME: Barclays Rewards 10k, Venture 15k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.15k, Fingerhut 3k; 2 NMAC Leases at less than 1% APR, VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies: 1FP CO 08 coming off 5/15,
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Regular Contributor
Posts: 165
Registered: ‎05-07-2013
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Re: Express/Comenity CLI button

I have an Ann Taylor account that jumped from 500 to 2080 once Comenity took over. They did these CLIs automatically. I use it, pay for a few months and another couple hundred worth of increase is noted. They took over Talbots, and my 1K limit was raised to 3K right off the bat.

 

I would ignore the love button, because Comenity sends plenty of love if you use the cards (I have noticed none on my dormant NYCO card, which has not been used in 7 years.)



Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742(Quizzle) EQ-656 (MyFICO), TU-720 (Bank)

Currently: BECU Visa 12K, Navchek 15K, NFCU Platinum Visa 11K, AMEX Delta SkyMiles 9K, Vystar CU Platinum Visa 7500, Military Star 8200, Nordstrom 6000, Talbots 3000, Ann Taylor 2280, Apple/Barclay 2000, Pier 1 1500, Macys 1300, Victorias Secret 750, NY&CO 500, J.Crew 300



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