topic Comenity CLI question in Credit Card Applications

Comenity CLI question

Anonymous — Sat, 17 Mar 2018 01:26:54 GMT

Hi, I have had 5 Comenity CC's for almost a year and a half, every month until this month (march) they have given me a CLI. I had carried balances on/off on some of the cards, but just paid 3 completely off and have had no activity on them for a month, two cards however do have a balance. I tried to get my monthly CLI again this month and was denied on all cards, when usually it's granted.

The reasons on two were that they just gave me a CLI, on another it said it was due to not having a house with payment history showing on my mortgage, and that I have a bk on my record (from before they gave me the cards). This is so weird, anyone have any suggestions/ideas?

Re: Comenity CLI question

peghede — Sat, 17 Mar 2018 01:51:22 GMT

it's simple, go buy a house.lol

Re: Comenity CLI question

Anonymous — Sat, 17 Mar 2018 02:39:26 GMT

Now and then Comenity pays attention.

Re: Comenity CLI question

SwarthyOgre — Sat, 17 Mar 2018 09:23:59 GMT

I wouldn't read too much into it, its just Comenity being Comenity. I have a few cards with them and recently hit a snag with them on a usually monthly CLI card for goofy reasons.

Re: Comenity CLI question

Anonymous — Sat, 17 Mar 2018 16:22:39 GMT

Thanks Swarty. Have you been avlw to get a cli since you also hit a snag or arw they still being weird? I figure I'll keep trying on the 5th like I've always done.

Re: Comenity CLI question

rprisco — Sat, 17 Mar 2018 16:33:17 GMT

I've had similar issues, I have 5 stc cards that will all be a year in May, Ive gotten cli just about monthly, William Sonoma sl 500 is now $12,000. It sat at 10k for 2 months b4 the would increase again. Also there is overstock, opened that in Aug 2000 sl I think, it's now $12,100, it too sat at 10k for 2 months. Jcrew started 250 cl and is now 2800, some months I get a cli some I dont, the letters say various reasons, I just ignore them and try again in 31 days. I wouldn't worry if you don't get a cli for the next couple months, it is nothing unusual at all to go several months between stc cards without a cli.

Re: Comenity CLI question

SwarthyOgre — Sat, 17 Mar 2018 19:03:03 GMT

@Anonymouswrote:
Thanks Swarty. Have you been avlw to get a cli since you also hit a snag or arw they still being weird? I figure I'll keep trying on the 5th like I've always done.

That's a negative. i tried again last week and it returned the same results...

-Unable to verify credit history (what??)

-Revolving credit balance too high (its less than half what it was last time they gave me a CLI)

-Late pays (this is true from almost 7 years ago but as mentioned above...recent CLI no issue)

I sent a secure message and they replied to call them but meh...maybe.

Re: Comenity CLI question

601flyguy — Sat, 17 Mar 2018 21:05:48 GMT

Send them $1 to force a statement cut and then the cli should start back. That usually works for me.

Re: Comenity CLI question

Anonymous — Sat, 17 Mar 2018 21:46:25 GMT

So just pay them an extra $1 then wait for the statement to cut, then after do another cli?

Re: Comenity CLI question

601flyguy — Sat, 17 Mar 2018 22:32:04 GMT

Yes, that's what works for me. I dont use my cards so thats how keep them active and reporting. Ive went from 6k to 22.5k using that method.

Re: Comenity CLI question

Anonymous — Sun, 18 Mar 2018 21:26:03 GMT

I have 3 Comenity cards.

Overstock (SCT) that started at 8K and is now at $13.9K with almost monthly CLI given. I used it for a $2.5k purchase that’s on a 0% offer...no other use.

Sportsman’s guide (SCT) with one auto CLI given at around 6 months from $3.5K to $4K. All luv button requests denied. I’ve never swiped this one...only used a small 0% & 0 fee bal transfer offer..paid off now.

Total Rewards- sitting at SL of $1,500. No CLI grantee ever...letters always quote BK as a reason. This is the one I really want an increase on. We go to Vegas twice a year and a $1,500 limit is so restrictive! I put over $8k in spend on this card last year! It’s now SD with the exception of a $10/mo recurring charge. I hope they give before our trip in early May!

They very clearly have different guidelines per card!

Re: Comenity CLI question

GodivaD — Mon, 19 Mar 2018 04:51:12 GMT

Does the balance have to be zero for this $1 trick to work?

Re: Comenity CLI question

outofcredit — Mon, 19 Mar 2018 15:21:47 GMT

My comenity cards were also previously receiving CLI's every 60 days like clockwork. This month all the requests have been denied. I haven't received my denial letters yet. Maybe something internal at Comenity is happening this month. I plan to give them a rest and try again in 60 days. I really need to order something as it has been over six months since I last used some of the cards.

Re: Comenity CLI question

Anonymous — Mon, 19 Mar 2018 15:28:33 GMT

I have one Comenity card, Overstock, obtained last May, and I've received CLI's every 3 months pretty much on the dot. The first one, in September, was only $300, but I've gotten $1500 boosts in December and just a couple of weeks ago, bringing me from $4000 to $7300. We'll have to see whether I go for any more CLI's on this card, which I've not used more than a couple of times in the last few months and paid off the balance on last month. I do have a couple of items in my cart/wish list so I might place an order in the next month or two. Overstock could actually get me to use their card more often if they'd start selling books and movies again...