topic Re: Sportsman's Guide Approval - Risky Overstock CLI Request? in Credit Card Approvals

Sportsman's Guide Approval - Risky Overstock CLI Request?

shane82388 — Tue, 08 Sep 2020 20:53:24 GMT

I opened an Overstock card back in April via the shopping cart trick. I did a CLI request right off the bat when it arrived in the mail and was approved ($2550). I did another CLI on July 1st and was approved again ($3350).

I've been getting the shopping cart trick pop ups at Sportsman's Guide for their Visa card over the past few months, and while I wanted to apply for it (especially since its a Visa) I decided to wait until at least September to make sure I'm spreading these apps out a bit and dont cause alarm. I was just approved for that Visa via the shopping cart trick, but did recieve a hard inquiry on Equifax.

I have not recieved the card yet, but it shows up as a payment option on checkout on Sportsmansguide.com

Since its been another 61+ days since the last Overstock CLI, I'm wondering if its risky or O-K to click the credit limit increase button on the Overstock card?

Thanks

Re: Sportsman's Guide Approval - Dangerous Overstock CLI Request?

blindambition — Tue, 08 Sep 2020 20:59:26 GMT

Congrats on the approval!! 👏🏻

While not as AA happy as Synch, Comenity certainly has had AA posts. So YMMV!!

I personally wouldn't be doing anything to put spotlight on accounts, but that's me. You have to decide if potential closure is worth a few extra$$.

Its a different time. Synch and Comenity are more sensitive to the current situation.

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

M_Smart007 — Tue, 08 Sep 2020 21:31:47 GMT

Congratulations on your Sportsman's Guide Approval..

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

Rogue46 — Tue, 08 Sep 2020 22:36:10 GMT

I was getting regular CLI with Overstock up until recently. The last one was denied so they may be getting a bit skittish. I've only received 2 increases on the SPG card in 3 years and for what ever reason they don't like giving them on this one

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

rostrow416 — Tue, 08 Sep 2020 23:31:53 GMT

If those are your only 2 Comenity cards, there's nothing to worry about. CLIs are approved or denied by computer. As long as you don't open a bunch of Comenity cards at once (like 5-6 - especially via SCT), you should be fine. Comenity shut me down after I got 6 cards from them in 3 months. I gave Comenity a break, then reopened a couple cards - but spaced out by about 3 months or so. No problems since (going on 4 years), and I've mashed the luv button many times.

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

shane82388 — Tue, 08 Sep 2020 23:40:21 GMT

@rostrow416 wrote:
If those are your only 2 Comenity cards, there's nothing to worry about. CLIs are approved or denied by computer. As long as you don't open a bunch of Comenity cards at once (like 5-6 - especially via SCT), you should be fine. Comenity shut me down after I got 6 cards from them in 3 months. I gave Comenity a break, then reopened a couple cards - but spaced out by about 3 months or so. No problems since (going on 4 years), and I've mashed the luv button many times.

I do have a J. Crew card with them that I've had for many years...it used to be up to $6500 credit limit after many CLI's, but they cut it down to $1700 about 4 years ago when I hit a rough patch. I never bothered to try to raise it back up since then as I've very rarely used it.

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

spiritcraft1 — Tue, 08 Sep 2020 23:45:34 GMT

Congrats. What was your EQ score?

My DW and I just finally received CLI's on two very small Comenity accounts, my Good Sam store card was 250, now $750 and her VS which was $500 and is now $1,000. In our case, I figured that I would just keep pounding those buttons and they either close them or finally submit.... they finally submitted.

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

AllZero — Wed, 09 Sep 2020 02:13:45 GMT

Congratulations on your approval!

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

CreditAggie — Wed, 09 Sep 2020 02:39:54 GMT

Congratulations on your Sportman's Guide Visa approval!

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

NoMoreE46 — Wed, 09 Sep 2020 04:33:37 GMT

@shane82388 ,

Congratulations. The SCT for the store only card should be a SP. The Visa version as you noted, will result as a HP.

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

Credit4Growth — Wed, 09 Sep 2020 05:30:41 GMT

👋 Congrats on the CLIs and the new era Visa approval! 😁👍

I do not have experience with the Overstaock card and it is unfortunate to hear about the EQ pull. It seems that you are having a pretty good run. Wish you luck on future card CL growth!

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

Meanmchine — Wed, 09 Sep 2020 14:22:59 GMT

Comenity's policy in the past has been 6 months for 1st majors CLI, then every 4 months + 1 day for each subsequent CLI

Congrats on your new SGV

Sorry about the HP

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

gdale6 — Wed, 09 Sep 2020 14:56:22 GMT

Grats on your Sportsman approval

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

shane82388 — Wed, 09 Sep 2020 20:05:21 GMT

@NoMoreE46 wrote:
@shane82388 ,

Congratulations. The SCT for the store only card should be a SP. The Visa version as you noted, will result as a HP.

I dont think there even is a store card (non-Visa) for Sportsmans Guide?

Re: Sportsman's Guide Approval - Risky Overstock CLI Request?

shane82388 — Wed, 09 Sep 2020 20:06:40 GMT

@Meanmchine wrote:
Comenity's policy in the past has been 6 months for 1st majors CLI, then every 4 months + 1 day for each subsequent CLI

Congrats on your new SGV
Sorry about the HP

Okay, good to know, thanks!