topic Re: Comenity Cards in Credit Card Applications

Comenity Cards

CreditMagic7 — Mon, 14 Nov 2016 15:38:49 GMT

Is this the message you guys and girls have been seeing too?

I keep a strict schedule on the 4 month plus a day SP CLI Request but this is all I see anymore.

(2) Comenity bankcards over 1 year with reasonable usage and always PIF.

Should I let a balance post maybe to draw a SP CLI again?

This is the first time those 2 cards didn't get one and their limits are 4300 & 6300 respectively.

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 15:48:44 GMT

Yup, I keep seeing that too. I chatted with them online (via their secure email) and they wanted me to call in. I will eventually, but it's frustrating I can't do the SP online anymore.

Re: Comenity Cards

CreditMagic7 — Mon, 14 Nov 2016 16:10:55 GMT

@Anonymous wrote:
Yup, I keep seeing that too. I chatted with them online (via their secure email) and they wanted me to call in. I will eventually, but it's frustrating I can't do the SP online anymore.

Well I'm not the only one then.

I was kind of looking forward to growing those (2) cards to at least $10K but if the CLI's are not going to keep pace anymore then my first option has to be to SD them and then in 6 months (if not sooner) close them out completely if still stuck on those numbers.

I'm reaching a point in my current profile where no growth cards are better out of the line up.

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 16:14:34 GMT

How often/soon after getting a Comenity card do you generally do CLI requests?

Re: Comenity Cards

CreditMagic7 — Mon, 14 Nov 2016 16:21:38 GMT

@Anonymous wrote:
How often/soon after getting a Comenity card do you generally do CLI requests?

As I mentioned above it's been every 4 months plus 1 day.

This is the first time that I noticed any Comenity bankcards I have or have had before that didn't follow up with this schedule.

It does take a full 9 months on some of them to get the first SP CLI but these cards are over one year history.

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 16:27:01 GMT

@Anonymous wrote:
How often/soon after getting a Comenity card do you generally do CLI requests?

I generally do every 3 months and it hasn't been an issue until now.

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 16:46:13 GMT

That's good to know. We're rebuilding and just scored 2 Comenity cards with low balances $250 ea, so I wasn't sure how soon to ask them for a CLI.

Re: Comenity Cards

CreditMagic7 — Mon, 14 Nov 2016 16:49:27 GMT

@Anonymous wrote:
@Anonymous wrote:
How often/soon after getting a Comenity card do you generally do CLI requests?
I generally do every 3 months and it hasn't been an issue until now.

Yeah I know.

I been at this a few years with other Comenity cards so something like this is very noticeable and sometimes signals a change with the lender, sometimes not and yet other times just a brief delay for whatever reasons.

The other 2 cards with Comenity are store cards and I stopped requesting for those many months ago on my own.

But you are right, until now I also been seeing SP CLI's on a fairly regular schedule. They are going SD now.

Re: Comenity Cards

Aduke1122 — Mon, 14 Nov 2016 17:28:02 GMT

That's what we see on our Wayfair , but as long as we are over 30 days we get a small bump ,.anything bf it's that message , also gotten that on my PB card it's over 30 days since I opened it and thought I could try for a CLI bc I have seen others have alot of success right away with them but no go for me yet

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 17:28:32 GMT

CM7, my Total Rewards Visa will only do it at 4 months + 4 day intervals - possibly try that?

Seems silly to have to wait a few extra days, I know, but it seems to work for me. Maybe even wait until the 4 months + 6 days mark to give it a little extra wiggle room.

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 17:34:30 GMT

@Anonymous wrote:
@Anonymous wrote:
How often/soon after getting a Comenity card do you generally do CLI requests?
I generally do every 3 months and it hasn't been an issue until now.

I believe that CM7 is referring to the schedule for Comenity Visas and Mastercards. The store cards can run on different and varied timelines for CLI.

Re: Comenity Cards

CreditMagic7 — Mon, 14 Nov 2016 17:46:33 GMT

@Anonymous wrote:
CM7, my Total Rewards Visa will only do it at 4 months + 4 day intervals - possibly try that?

Seems silly to have to wait a few extra days, I know, but it seems to work for me. Maybe even wait until the 4 months + 6 days mark to give it a little extra wiggle room.

Thanks humuhumun...

It may just be that it takes some additional days this time? A delay is happened before like that on JCREW a few times but that was a store card and it was expected from time to time.

But you are right, this involves bankcard VISA and i'll give it some additional time since this is a new business week.

Thanks for sharing your advice on this. As we get ready to close in on another new year it's always a practice of mine to make positive changes with the card lineup where it might fit best.

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 17:58:32 GMT

@CreditMagic7 wrote:
@Anonymous wrote:
CM7, my Total Rewards Visa will only do it at 4 months + 4 day intervals - possibly try that?

Seems silly to have to wait a few extra days, I know, but it seems to work for me. Maybe even wait until the 4 months + 6 days mark to give it a little extra wiggle room.
Thanks humuhumun...

It may just be that it takes some additional days this time? A delay is happened before like that on JCREW a few times but that was a store card and it was expected from time to time.

But you are right, this involves bankcard VISA and i'll give it some additional time since this is a new business week.

Thanks for sharing your advice on this. As we get ready to close in on another new year it's always a practice of mine to make positive changes with the card lineup where it might fit best.

Happy to help if I can, CM7. This has been my CLI schedule with Total Rewards Visa, for reference:

Card is at $19,200 CL now and opened in 7/2015. The progression:

2k CLI on 11/16/2015

$1,200 CLI on 3/18/2016

$2,500 CLI on 7/20/2016

I'm due for another one at end of November and will keep you posted as to how that goes. It's been 4 months + 4 days consistently for me, and I've gotten denied at the 4 month + 1 day mark in the past, so I understand your frustration.

Hang in there, my friend. Let's hope that Comenity is not getting weird again (as if they were ever normal, ha ha)

Re: Comenity Cards

CreditMagic7 — Mon, 14 Nov 2016 18:23:36 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
@Anonymous wrote:
CM7, my Total Rewards Visa will only do it at 4 months + 4 day intervals - possibly try that?

Seems silly to have to wait a few extra days, I know, but it seems to work for me. Maybe even wait until the 4 months + 6 days mark to give it a little extra wiggle room.
Thanks humuhumun...

It may just be that it takes some additional days this time? A delay is happened before like that on JCREW a few times but that was a store card and it was expected from time to time.

But you are right, this involves bankcard VISA and i'll give it some additional time since this is a new business week.

Thanks for sharing your advice on this. As we get ready to close in on another new year it's always a practice of mine to make positive changes with the card lineup where it might fit best.
Happy to help if I can, CM7. This has been my CLI schedule with Total Rewards Visa, for reference:

Card is at $19,200 CL now and opened in 7/2015. The progression:

2k CLI on 11/16/2015

$1,200 CLI on 3/18/2016

$2,500 CLI on 7/20/2016

I'm due for another one at end of November and will keep you posted as to how that goes. It's been 4 months + 4 days consistently for me, and I've gotten denied at the 4 month + 1 day mark in the past, so I understand your frustration.

Hang in there, my friend. Let's hope that Comenity is not getting weird again (as if they were ever normal, ha ha)

OK yes thank you friend.

It may just be those extra days needs be taken into account.

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 18:35:57 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
How often/soon after getting a Comenity card do you generally do CLI requests?
I generally do every 3 months and it hasn't been an issue until now.
I believe that CM7 is referring to the schedule for Comenity Visas and Mastercards. The store cards can run on different and varied timelines for CLI.

Whoops totally didn't even get that! Yes for my actual branded CC's I wait longer. Sorry!!

Re: Comenity Cards

CreditMagic7 — Mon, 14 Nov 2016 19:30:20 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
How often/soon after getting a Comenity card do you generally do CLI requests?
I generally do every 3 months and it hasn't been an issue until now.
I believe that CM7 is referring to the schedule for Comenity Visas and Mastercards. The store cards can run on different and varied timelines for CLI.
Whoops totally didn't even get that! Yes for my actual branded CC's I wait longer. Sorry!!

No biggie

It's easily overlooked sometimes and besides, each card type as well as the card lender have their own ways of setting schedules, etc to what works best for them just like we do with our expectations. from them

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 19:36:40 GMT

I just tried on my NY and Company (retail) and got the we are reviewing and will let you know in 7-10 days. My acct was opened in July '16

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 19:43:29 GMT

CM7 I posted about this also last week, also. I get that on all my cards but the Overstock card. So not just my Modells MVP Visa. My last increase was on July 7, 2016 so it has been 4 months and 7 days so far. Not sure what is going on.

I'm with you if they are not going to grow, I doubt I will keep them around long term.

http://ficoforums.myfico.com/t5/Credit-Cards/Weird-Comenity-message-when-pushing-CLI-button-Is-this-NEW/m-p/4785728/highlight/true#M1392679?q=weird+comenity

Re: Comenity Cards

My_Fako — Mon, 14 Nov 2016 19:47:59 GMT

My Wayfair $6300 and Express $3060 was getting a increase every 31 days. "Robo lady"

I tried a few weeks ago, for my regular increases got the 7 to 10 day. Keeps doing it. Online or call.

Hope their not changing some policies? 😞

Re: Comenity Cards

Anonymous — Mon, 14 Nov 2016 20:03:49 GMT

My Total Rewards card has been stuck at $25k form12 months. I guess I have reached a limit with them ..lol