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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: 2,136
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 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
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

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: 447
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: 2,136
Registered: ‎03-30-2012
0

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 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
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

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
Senior Contributor
Posts: 4,329
Registered: ‎09-06-2008
0

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.
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Established Contributor
Posts: 506
Registered: ‎02-29-2012
0

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 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , 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:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Regular Contributor
Posts: 176
Registered: ‎05-07-2013
0

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 EQ-611 (??) TU-720

Currently: NFCU Platinum Visa 18K, BECU Visa 15K, Navchek 15K, Vystar+ CU Platinum Visa 10000, AMEX Delta SkyMiles 9K, Military Star 8200, Nordstrom 6000, Apple/Barclaycard 3030, Talbots 3000, Macys 2600, Pier 1 2250, Ann Taylor 2280,TJX Mastercard 1800, Lowes 1500, Amazon 1400, Victorias Secret 750, NY&CO 500, J.Crew 300



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