topic Re: Sonoma Credit card Credit line Increase in Credit Card Applications

Sonoma Credit card Credit line Increase

Anonymous — Sun, 15 Jul 2018 18:52:45 GMT

I have $1,000 Sonoma credit card My Credit card is 10 months old.

I applied for a credit line increase and got denied because of my 3 years old B/K. My Fico is 665

Any advice?

Chris

Re: Sonoma Credit card Credit line Increase

Anonymous — Sun, 15 Jul 2018 19:40:06 GMT

@Anonymous wrote:
I have $1,000 Sonoma credit card My Credit card is 10 months old.
I applied for a credit line increase and got denied because of my 3 years old B/K. My Fico is 665
Any advice?
Chris

Hi, Chris.

My advice to you would be to wait for an auto CLI from Comenity. Your Fico score is commendable, but the BK is still fresh in Comenity's eyes. Perhaps keep using the card and paying it in full every month. From I have read in the forums, Comenity uses an internal scoring model that is pretty much based on your history with just them.

Re: Sonoma Credit card Credit line Increase

pizza1 — Sun, 15 Jul 2018 21:45:18 GMT

How did you try the CL? Online or robo lady via phone?

Re: Sonoma Credit card Credit line Increase

Anonymous — Sun, 15 Jul 2018 23:11:34 GMT

THis is the third time I have tried it. I have done both phone and online. Before they said my account was not old enough to het ome. My account is mow 10 months old

Chris

Re: Sonoma Credit card Credit line Increase

pizza1 — Mon, 16 Jul 2018 01:00:45 GMT

@Anonymous wrote:
THis is the third time I have tried it. I have done both phone and online. Before they said my account was not old enough to het ome. My account is mow 10 months old
Chris

Have you used the card very much? Also, is there currently a balance on it?

Re: Sonoma Credit card Credit line Increase

Anonymous — Mon, 16 Jul 2018 01:05:52 GMT

I charge $10.00 per month pay it off showing a zero balance each month

Re: Sonoma Credit card Credit line Increase

Anonymous — Mon, 16 Jul 2018 01:10:29 GMT

@Anonymous wrote:
I charge $10.00 per month pay it off showing a zero balance each month

That may be the reason: You are demonstrating very little usage relative to the $1k credit line.