topic More bread with Bread 🥯🍞🥖 $1K CLI in Credit Card Approvals

More bread with Bread 🥯🍞🥖 $1K CLI

LADave — Fri, 12 Jan 2024 19:24:42 GMT

Continuing my recent CLI spree, I applied for another CLI on my Bread (Comenity) Cashback Amex card. The card started out with a $5K SL, and I applied for and received a $1K CLI the day it arrived in February of 2023. In August I received another CLI shortly after the account turned 6 months old.

After hearing that they could do less than 6 months (and looking to improve my utilization padding), I froze my Experian to be safe, since Bread has been known to HP for CLI applications. I entered my info and submitted my request, which instantly took the card from $7K to $8K.

Comenity used Experian when I was approved, and I believe they still use that. My Experian FICO 8 is currently sitting at 697 (it was recently 706, which might be the score Comenity used). I estimate that I had spent and paid off about $2800 on the card (or about 40% of the previous CL) since the last CLI, and I'm curious how much it would have been if I spent/paid off much more of it. So far, each CLI has been for $1K.

Edit: Come to think of it, utilization padding was the main reason I got the card. So far, it's done wonders for that. It doesn't do much that my Wells Fargo Active Cash doesn't do , and since it isn't a Visa it doesn't work at Costco. But when I've needed to float, using the two cards together has helped so I'm not carrying a balance of more than 10% on either card.

Re: More bread with Bread 🥯🍞🥖 $1K CLI

CreditAggie — Fri, 12 Jan 2024 18:37:19 GMT

Congratulations on your Bread CLI!

Re: More bread with Bread 🥯🍞🥖 $1K CLI

JoeRockhead — Fri, 12 Jan 2024 19:12:08 GMT

Congratulations on your Bread bump!

Re: More bread with Bread 🥯🍞🥖 $1K CLI

sznthescore — Fri, 12 Jan 2024 19:37:15 GMT

More bread is always better. Congratulations on your increased credit line. 🎉

Re: More bread with Bread 🥯🍞🥖 $1K CLI

KingRue8500 — Sat, 13 Jan 2024 01:37:37 GMT

Congrats on your Bread Cashback AMEX CLI

Re: More bread with Bread 🥯🍞🥖 $1K CLI

AndySoCal — Sat, 13 Jan 2024 02:52:33 GMT

@LADave It sounds like your new a roll with your CLI'S. Excuse the bad pun please.

Re: More bread with Bread 🥯🍞🥖 $1K CLI

nytokyobred79 — Sat, 13 Jan 2024 09:28:50 GMT

Congrats on that extra Bread ☺️

Re: More bread with Bread 🥯🍞🥖 $1K CLI

LADave — Sat, 13 Jan 2024 19:35:35 GMT

@AndySoCal wrote:
@LADave It sounds like your new a roll with your CLI'S. Excuse the bad pun please.

LOL, that was a good one.

Even though they've been known to be generous with CLDs at times, Comenity also seems pretty generous with CLIs. And look, their baker is taking another batch of piping hot Bread Amex CLIs out of the oven right now!

Re: More bread with Bread 🥯🍞🥖 $1K CLI

BigBS — Sun, 14 Jan 2024 01:53:07 GMT

Congrats on the CLI!

Re: More bread with Bread 🥯🍞🥖 $1K CLI

DannyNoonan — Sun, 14 Jan 2024 14:03:54 GMT

Congrats on the credit limit increase. Enjoy!

Re: More bread with Bread 🥯🍞🥖 $1K CLI

NoMoreDebt — Mon, 15 Jan 2024 00:34:33 GMT

Congratulations