topic Re: Comenity Credit Cards in Credit Card Applications

Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 01:52:24 GMT

Does Comenity really make you wait 9 months before receiving a credit limit increase ???

Re: Comenity Credit Cards

toi34 — Tue, 18 Nov 2014 01:53:57 GMT

Close to, but not exact. VS should increase after about 7 months.

Re: Comenity Credit Cards

FinStar — Tue, 18 Nov 2014 01:54:42 GMT

On some cards, yes. Unless you receive an auto-CLI before the 9-month mark then that seems to be norm. Some retail cards would be exempt from that "waiting" process, like the J.Crew card as an example.

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 02:00:52 GMT

So I have Victoria's Secret, HSN and Nyand Company. I am 3 months in on each card

Re: Comenity Credit Cards

MyDataMyChoice — Tue, 18 Nov 2014 02:14:31 GMT

Just go for CLI... they don't "reset" any clocks...

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 02:47:42 GMT

I have the Trek card and even though I cycled (HA!) the credit line of $4,500.00 twice (what can I say, triathalon road bikes and true mountain bikes needed to be bought. Credit health VS. Financial health maybe?). Anywho, the CLI button is there, but when clicked I immediately get the "Your account is not currently eligible for a credit increase message". I've had the card since June.

Re: Comenity Credit Cards

MyDataMyChoice — Tue, 18 Nov 2014 03:18:10 GMT

Try doing via the automated phone system

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 03:36:16 GMT

I'm kinda shocked at why people want new credit cards and then immediate CLI's. That to me would tell a lender that you're desperate. I never hit the luv button. 4 of 5 of my Comenity cards are attached to Visas and MCs so adding all the limits together gives me a great amount I can spend and stay below the 10% utilization. I didn't take any hard pulls on my Comenity cards and my credit score is scheduled to go over 800 by March 2015. I don't care what the name on the card says or how pretty it is. It buys what I want and it reports positively for me.

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 03:41:45 GMT

Just wanted to clear things up. I am not desperate. I was just asking a simple question on the forum. Since I see it discussed so many times.

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 04:15:27 GMT

Didn't mean to come across as attacking you or making it personal. It looks like your question was answered.

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 04:18:24 GMT

No harm done at all. All help is welcomed on my credit journey:smileylol

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 12:48:24 GMT

I have a Victorias Secret Card and HSN card since September 2014......I used Victorias Secret once in October for $29.00 and paid that back right away then just last week I placed another order and when I logged into my account to make sure the purchase posted they doubled my limit. So in 2 months VS gave me a $250 CLI to make my total now $500....so for some reason I didnt have to wait the 9 months (only 2) for VS and I heard they were real strict on waitng the 9 months for a CLI

Now with my HSN card I havent used that card at all since I got approved. I actually regret ever getting it but after I seen VS gave me a credit limit increase I checked HSN and they did NOT give me one but like I said I have never used that card at all. I am actually thinking about closing it

Re: Comenity Credit Cards

aav — Tue, 18 Nov 2014 13:52:56 GMT

It was 4 months for me with the Total Rewards visa. I got an increase before getting the card by hitting the luv button. Then again at 4 months in October. no luck since then.

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 14:00:54 GMT

@Anonymous wrote:
I'm kinda shocked at why people want new credit cards and then immediate CLI's. That to me would tell a lender that you're desperate. I never hit the luv button.

There isn't an actual "person" sitting there approving the LUV button CLI's. It's computer generated using their automated underwriting.

There isn't an actual lender sitting there reviewing your LUV button clicks so you won't look "desperate" for them, it's a computer.

In the old days you were right, it used to be a person actually reviewing the CLI's.

In modern times with most large banks, the CLI's are all done by computer. Even alot of phone CLI's are automated now. Only the RECON's when you get a live analyst would you get a chance to look desparate.

Re: Comenity Credit Cards

Anonymous — Tue, 18 Nov 2014 17:10:49 GMT

I don't know since I do not qualify for them.

Re: Comenity Credit Cards

Creditaddict — Tue, 18 Nov 2014 21:44:18 GMT

Victoria Secret will be 9 months unless they give it to you.

HSN you should call into the automated system and ask for CLI.

Say "NO" when it asks if you want a specific amount.

if it congrats you with cli, then it will say anything else.

REPEAT "Credit line increase, and repeat the process until the system says "sorry"

Trek I have gotten 2 CLI's through phone system and have had the account under 4 months!

Each comenity card is different... many of the Visa co-branded cards need 6 months, but some give 1 cli instantly if you request.

I still check my orbitz and my partners virgin america every month!

Re: Comenity Credit Cards

Anonymous — Wed, 19 Nov 2014 00:35:38 GMT

I was right around the six month mark on my HSN card when I hit the CLI button .....TWICE ! got TWO instant increases in one day. Haven't tried again !!

Re: Comenity Credit Cards

Creditaddict — Wed, 19 Nov 2014 00:45:09 GMT

KEEP TRYING!!

Re: Comenity Credit Cards

SunriseEarth — Wed, 19 Nov 2014 00:48:40 GMT

@Anonymous wrote:
Does Comenity really make you wait 9 months before receiving a credit limit increase ???

It's definitely YMMV, depending on your credit profile and the products. For me, I had to wait 9 months for initial CLIs on my VS Angel Card and my Gold Violin (Blair/Orchard Brands) CC. After that, I got one after 3 1/2 months and then again after 2 months on both cards. And those each only give me one shot at that button and it's always been a $300 CLI. Hmmm.

Re: Comenity Credit Cards

Scott_S — Thu, 20 Nov 2014 02:46:48 GMT

I tried for several CLI's on a few cards, and they always ask me to use the card and show them a payment/use history.