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NO COMENITY LOVE YET.....WHAT GIVES????

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Ford725
Established Contributor

NO COMENITY LOVE YET.....WHAT GIVES????

I have had the following cards since the middle of Oct 2014:

 

Overstock, Express, Victoria Secret, BrylaneHome

 

To date NO LOVE!!!!! I have hit the buttons in a stalkish way every week.......NOTHING! Smiley Mad

my scores continue to increase steadily since they've been opened. I closed KingSize and Buckle because of their $250 limits.

Overstock has that limit too, but I wanted to see if I could make it grow like most everyone else has. If not, I'm closing it too. Any help or advise

would be appreciated. Thanks guys. 

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 1 of 24
23 REPLIES 23
itgirl74
Frequent Contributor

Re: NO COMENITY LOVE YET.....WHAT GIVES????

I couldn't get a CLI on my Brylane Home card until I had it for 6 months - that was in February, and I've had another increase since. With 2 CLIs, I"ve gone from $700 to $1100.

Starting Score: EQ: 478 | EX: 499 | TU: 534 Current Score:EQ: 759 | EX: 805 | TU: 830 Goal Score: 800
Message 2 of 24
Anonymous
Not applicable

Re: NO COMENITY LOVE YET.....WHAT GIVES????


@Ford725 wrote:

I have had the following cards since the middle of Oct 2014:

 

Overstock, Express, Victoria Secret, BrylaneHome

 

To date NO LOVE!!!!! I have hit the buttons in a stalkish way every week.......NOTHING! Smiley Mad

my scores continue to increase steadily since they've been opened. I closed KingSize and Buckle because of their $250 limits.

Overstock has that limit too, but I wanted to see if I could make it grow like most everyone else has. If not, I'm closing it too. Any help or advise

would be appreciated. Thanks guys. 


Have you actually used the cards...?

Message 3 of 24
Ford725
Established Contributor

Re: NO COMENITY LOVE YET.....WHAT GIVES????

Absolutely!  I put nice usage on all during the holidays then paid them all off last month. I wanted to show some type of payment history.  

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 4 of 24
Scupra
Super Contributor

Re: NO COMENITY LOVE YET.....WHAT GIVES????

Comenity usually likes to see 9 months before a CLI. It isn't a hard set rule obviously

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 5 of 24
Anonymous
Not applicable

Re: NO COMENITY LOVE YET.....WHAT GIVES????

Patience is a virtue my friend Smiley Wink haha if they arent budging just yet wait one more month so you hit 6 months with them then the luv should start flowing in! 

Message 6 of 24
Anonymous
Not applicable

Re: NO COMENITY LOVE YET.....WHAT GIVES????

Your worst score is EQ.

 

And at 603, Commenity would probably be a bit grudging on CLI's.  603 is close to the minimum for them even giving you a card in the first place.  You'll see more love once your scores rise a bit.

 

My guess is you'll start seeing some LUV in late April/early May...you're almost there.

Message 7 of 24
Ford725
Established Contributor

Re: NO COMENITY LOVE YET.....WHAT GIVES????


@Anonymous wrote:

Patience is a virtue my friend Smiley Wink haha if they arent budging just yet wait one more month so you hit 6 months with them then the luv should start flowing in! 


Lol........it is! Thank you for that. I'm sure I need to give it another month or so. In the meantime, there are a couple of baddies in dispute right now. It all works out. Smiley Wink

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 8 of 24
Ford725
Established Contributor

Re: NO COMENITY LOVE YET.....WHAT GIVES????


@Anonymous wrote:

Your worst score is EQ.

 

And at 603, Commenity would probably be a bit grudging on CLI's.  603 is close to the minimum for them even giving you a card in the first place.  You'll see more love once your scores rise a bit.

 

My guess is you'll start seeing some LUV in late April/early May...you're almost there.


I considered that too. That's a really big factor more than likely.  Sometimes you need to hear it from someone else. I'm working on EQ as we speak. We'll see what happens in a few weeks. Thank you. 

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 9 of 24
Ford725
Established Contributor

Re: NO COMENITY LOVE YET.....WHAT GIVES????


@Scupra wrote:

Comenity usually likes to see 9 months before a CLI. It isn't a hard set rule obviously


Thanks for the insight.  Smiley Wink

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 10 of 24
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