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New Box on Comenity Overstock CLI Request

Regular Contributor

Re: New Box on Comenity Overstock CLI Request

Do any of you guys actually use the OS card?? I dont ever see anything on their site reasonably priced lol ever.
Message 21 of 31
Frequent Contributor

Re: New Box on Comenity Overstock CLI Request


601flyguy wrote:
Do any of you guys actually use the OS card?? I dont ever see anything on their site reasonably priced lol ever.

I do, actually. Right now once a month just for the reporting. But while theirs is a very mixed bag, I've  gotten great deals from time to time. You really have to shop it, though.


TU Fico 8: 754!!!
Message 22 of 31
Frequent Contributor

Re: New Box on Comenity Overstock CLI Request


601flyguy wrote:
I dont think there is a waiting period BH. I just hit the button whenever. On my OS i received 400 on the 3rd and 200 on the 15th, less than 2 weeks later.

I'm concerned that if I mash that button, it'll raise questions about desperation


TU Fico 8: 754!!!
Message 23 of 31
Regular Contributor

Re: New Box on Comenity Overstock CLI Request


elim wrote:

I just gave it a shot on OS...  $2400 increase to $8800, hehe, weeeeeeeeeeeeeeeeeeeeeeeeeee 

 

Thanks for the heads up   :]     This is a card I really don't use and is not critical in my line-up. Having it shut down would not be a problem.


HOLY MOLY- that's a fat one!!! Nice Smiley Happy


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693

Gardening since 9/7/17 Aiming for a mortgage October 2018
Message 24 of 31
Regular Contributor

Re: New Box on Comenity Overstock CLI Request


BurgeoningHope wrote:

601flyguy wrote:
Do any of you guys actually use the OS card?? I dont ever see anything on their site reasonably priced lol ever.

I do, actually. Right now once a month just for the reporting. But while theirs is a very mixed bag, I've  gotten great deals from time to time. You really have to shop it, though.


Me too- but very selectively. I found a matress I LOVE, then bought another because of my strong feelings for it. I also got the underground dog fence I was looking at for about $60 cheaper than anywhere else (with a coupon). And a few other things here and there. It's not my first stop when looking for something but I always check, just in case. Customer service has been great anytime I've needed them too. I was able to get "Club O" for free because of my profession and the rewards for that have been pretty nice too.


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693

Gardening since 9/7/17 Aiming for a mortgage October 2018
Message 25 of 31
Established Contributor

Re: New Box on Comenity Overstock CLI Request

I use my overstock card too. But as others have said, I'm very selective and I look for sales plus coupons on top of those prices.
Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 696, EQ 672, TU 678 (12/15/17)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 26 of 31
New Contributor

Re: New Box on Comenity Overstock CLI Request

I use my OS card probably once every 2-3 months.  I agree with everyone in saying you really have to surf on the site to find some great deals but they are there.   In the summer I bought like 7 polo shirts I could use for work that were less than $10 bucks each and are quality (I almost wish I ordered more).  And I've found a great rug for my son's room too on there that was a good deal and he loves it.  

 

 

But back to the OP, I saw the box this morning and skeptical.  But with my holiday spending increasing on other cards a little, I decided to go for it without clicking the box and was SP CLI $800 bringing that card up to $3800.  I'm so glad they give you the option with a HP because I would never have done it.

AMEX Blue Cash | Capital One Platinum | OverStock CC | Quiksilver | Walmart | VS Angel Card | 24k Student Loans |

Starting Scores: 4/1/2017 EQ: 623 TU: 644 EX: 661
10/30/2017 EQ: 641 TU: 681 EX: 695
Goal: 720 EQ-TU-EX

Gardening till April 2018!


Message 27 of 31
Established Contributor

Re: New Box on Comenity Overstock CLI Request


601flyguy wrote:
Do any of you guys actually use the OS card?? I dont ever see anything on their site reasonably priced lol ever.

 I think I used mine two times in the two years I owned it...  95% of what's on the site is SIGNIFICANTLY more expensive than can be found other sources...  But, as has been said, if you watch the sales and use coupon codes and factor in rewards, its possible to occasionally find a deal.  When they first came out, there were a LOT of deals to be had... things actually WERE priced as if they were over stocked inventory.

 

 I had the same problem with HSN, too.  Especially electronics...  Usually listed at MSRP on their site when its 20-30% less anywhere else.

 

 This box is also on the JCrew site.   I did not check the box, but interestingly I got a $500 CLI this time, when normally I get $300.

Cap1 Venture: $18K | Amex BCE: $15K | NFCU CR: $15K | Wells Fargo: $11K | Cap1 Savor: 10K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | Discover IT: $6K | Sportsman's Guide: $5.9K | NRA: $5.5K | Legacy Visa: $2.75K | Elan Plat: $2.3K | Cap1 PS: 2K | Cabela's: $1K

 

Current Scores: EQ: 725 | TU: 741 | EX: 708



 

Message 28 of 31
Community Leader
Valued Contributor

Re: New Box on Comenity Overstock CLI Request

Anyone other than gabeerwin click the box before trying?  I did my last BJ's increase with Robolady to see if I could do the famous "get a CLI,  when asked if there was anything else ask for a CLI again, repeat until denied" method so I wasn't aware of the new button.  The BJ's card is absolutely on a 4-month schedule (results so far: $400 web, $400 web, $3000 robolady and no luck when asking again on the same call).

 

The wording itself is very vague:


Comenity wrote:

By selecting this checkbox, I am allowing the bank to access my credit report, if necessary.

 

More Info

Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox.


So if they pull it, it's not clear if they mean a SP or HP.  And if someone clicks it, there's no guarantee that they actually did a SP or a HP since they may have decided it wasn't "necessary."  I'm not eligible for another CLI until March, but not sure I'd be willing to take a HP on it, although the balance transfer at 0% with only a 1% fee has been great.


$500k+ club. | FICO 08 [Nov 2017]: EQ 743 EX 741 TU 743 | World's worst gardener.
Message 29 of 31
Valued Contributor

Re: New Box on Comenity Overstock CLI Request


601flyguy wrote:
Do any of you guys actually use the OS card?? I dont ever see anything on their site reasonably priced lol ever.

I use my card all the time. I have had it a little over 3 years. I get lots of bargains from OS, and I have also gotten them to price match a few times. I bought my bedroom furniture at OS and it was about $200 cheaper then it was in the store for the exact same furniture.

Message 30 of 31