topic Re: Comenity CLI HP/SP Data Points in Credit Card Applications

Comenity CLI HP/SP Data Points

Anonymous — Sun, 10 Mar 2019 17:09:46 GMT

This thread is to try and consolidate information on what appears to be the emerging trend of Comenity Bank to use HPs at times for CLI requests rather than SPs. Recently there have been a number of members suddenly getting HPs when requesting, when in the past it has been a process driven by SPs.

Comenity is far from a tier-one lender and may not “matter” as much as Chase or American Express, but they are widespread in reach and the sheer number of cards they back, not to mention the relative ease of acquiring them, means they are in many wallets on this forum. In that respect, this may be a worthwhile compilation. What I’m wondering is if we can discern a breakpoint somewhere that will help determine when a HP may occur, whether it’s due to passage of time between CLI requests, the amount of the CLI being granted (which we as consumers won’t know until the HP is already used), or possibly due to the credit line already in effect at the time of the CLI request. It may even depend on which card is being increase-requested.

What I would ask of anyone who contributes is to include the following info, or as much of it as you have documented:

Card in question
Open date and whether SP/SCT or HP
Existing CL
Date of CLI
Amount of CLI
For each CLI, whether it was SP or HP

Including this for as many CLIs as you can recall would help broaden the reach of the data and may help shake out any patterns that could be buried in there. Hopefully enough data will surface that we can tabulate it to compare any trends based on any of the data included. Suggestions to improve this are definitely encouraged and welcomed!

Re: Comenity CLI HP/SP Data Points

Anonymous — Thu, 22 Apr 2021 21:03:18 GMT

I’ll start off with mine - it’s pretty easy as I have only had Comenity cards for less than a year and only one has had any CLI activity. (Editing as time passes to include recent increases):

Card - Victoria’s Secret
SL $500 when card was opened on 7/5/2018 - tried via SCT but incurred a HP I believe on Experian
Auto-CLI to $750 on 10/8/2018 - SP
CLI to $1000 on 2/3/2019 - SP
CLI to $1250 on 3/4/2019 - SP
CLI to $1500 on 4/6/2019 - SP
CLI to $1750 on 5/4/2019 - SP
CLI to $2000 on 7/4/2019 - SP
CLI to $2500 on 9/3/2019 - SP
CLI to $2750 on 11/3/2019 - SP
CLI to $3000 on 1/3/2020 - SP

CLI to $3500 on 3/4/2020 - SP

CLI to $4000 on 5/4/2020 - SP

CLI to $4500 on 7/4/2020 - SP

CLI to $5000 on 9/3/2020 - SP

CLI to $5500 on 11/3/2020 - SP

CLI to $6000 on 1/3/2021 - SP (max limit allowed on the card)

Card - Wayfair
SL $500 when opened via HP on 9/22/2018 (EX)
Multiple attempts for CLI declined over several months
CLI of $800 on 3/30/2019, just over 6 months after opening, new CL $1300 - SP
CLI of another $800 on 4/8/2019, 9 days after the previous $800 increase 👍 New CL $2100, also SP
CLI, another $800 today (6/8/2019, exactly two months after my last one), new CL $2900. This was a SP as well
CLI of $800 on 8/8/2019, new limit $3700, also SP
CLI of $1500 on 10/8/2019, new limit $5200, SP again
CLI of $1500 on 12/8/2019, new limit $6700, SP

SP CLI of $1500 on 2/8/2020, new limit $8200

SP CLI of $1500 on 4/9/2020, new limit $9700

SP CLI of $800 on 6/9/2020, new limit $10,500

Card closed 9/11/2020 when Comenity lost the account. I was not converted to a Comenity MasterCard as some were. Tradeline is gone.

Card - Overstock
$750 SL when opened via EX HP on 10/13/2019
$1500 SP CLI via luv button on 10/18, 12 minutes after activating the card, the day it arrived. I set up the online account to be able to pay the bill and took a stab at a CLI - instantly approved. Double-dip was declined but that’s ok. New CL is $2250.
12/18/2019, SP CLI to $3050

2/18/2020, SP CLI to $4550

4/19/2020, SP CLI to $6050

6/19/2020, SP CLI to $7550

8/19/2020, SP CLI to $9550

10/19/2020, SP CLI to $11,550

12/19/2020, SP CLI to $13,550

2/19/2021, SP CLI to $15,050

4/21/2021, SL CLI to $16,550

Re: Comenity CLI HP/SP Data Points

GApeachy — Sun, 10 Mar 2019 15:03:51 GMT

@ImTheDevil

"crickets" but that's because I won't be up for my first 6 month review until June '19. Comenity/HSN csr told me a couple of weeks ago that they are starting to implement certain offers, for me to check my "benefits" tab soon. (I don't remember what all she said ie. coupons, special finance offers, etc.)

I did ask about auto cli's, csr stated that at 6 months my acct. would start being reviewed for such. Once I jump that hurdle I will gladly add DP's with personal cli requests as well.

Re: Comenity CLI HP/SP Data Points

Anonymous — Sun, 10 Mar 2019 15:27:21 GMT

Sounds good and thank you

Re: Comenity CLI HP/SP Data Points

GApeachy — Sun, 10 Mar 2019 15:29:05 GMT

@Anonymous wrote:
Sounds good and thank you

Also, did you obtain VS via sct (which I presume is dead)?

Re: Comenity CLI HP/SP Data Points

CivalV — Sun, 10 Mar 2019 16:48:58 GMT

Card in question: Victoria Secret
Existing CL: $150
Date of CLI: March 2-8th
Received the email on March 9th
Amount of CLI: $250
For each CLI, whether it was SP or HP: SP
Date Opened: July 18’

Re: Comenity CLI HP/SP Data Points

Anonymous — Sun, 10 Mar 2019 17:08:56 GMT

Laurachrissy, my VS card didn’t work via SCT. I got the pop up at checkout online and accepted it but it was a HP approval. My post up above is amended to reflect this.

Re: Comenity CLI HP/SP Data Points

Anonymous — Sun, 10 Mar 2019 17:08:36 GMT

Laurachrissy, your initial post up above got me thinking. I have Wayfair as well as VS, but it’s a younger card and is about two weeks away from its 6 month anniversary. I wonder if that’s why I can’t get a CLI for the life of me on that card (got denial #8 today), even though my VS started growing before the 6-month mark. I’ll have to request again in maybe 3 weeks if I don’t get an auto-CLI by then. Wondering if it’s also a factor that one of the two cards is d.comenity and the other is c.comenity - two different organizations...

Re: Comenity CLI HP/SP Data Points

Anonymous — Sun, 10 Mar 2019 19:21:42 GMT

@Anonymous wrote:
Card in question: Overstock & Wayfair
Open date and whether SP/SCT or HP: 5/25/2018 HP SCT & SP SCT
Existing CL: 14.5K & 15K
Date of CLI: 7/14/18 (SP - 3K); 9/20/18 (SP - 3K); 11/28 (SP - 4K); 02/15/2019 (HP - 4K).
SP Amount of CLI: see above
For each CLI, whether it was SP or HP: see above

The CLI data is identical for the two cards. One was a HP on the SCT which was used for the other SCT approval a couple of minutes later. Initial SL was OS 500 & WF 1000.

Re: Comenity CLI HP/SP Data Points

AverageJoesCredit — Sun, 10 Mar 2019 20:48:13 GMT

Doesnt @FireMedic1 already have a thread dedicated to this? Not sure where it is but he put up mad dps to scare off most cli Comenity thrillseekers

Re: Comenity CLI HP/SP Data Points

Anonymous — Sun, 10 Mar 2019 21:07:12 GMT

AJC I apologize - I don’t recall seeing it. If so maybe a mod would merge this with that thread?

Re: Comenity CLI HP/SP Data Points

AverageJoesCredit — Sun, 10 Mar 2019 21:24:21 GMT

No probs Devil, im suprised i havent seen it in awile. I thought he was keeping it up to date. Just keep what you are doing until either someone finds it, or merges. Any data can help

Re: Comenity CLI HP/SP Data Points

Anonymous — Sun, 10 Mar 2019 22:17:10 GMT

@AverageJoesCredit wrote:
Doesnt @FireMedic1 already have a thread dedicated to this? Not sure where it is but he put up mad dps to scare off most cli Comenity thrillseekers

Wasn't that a SCT thread?

This thread being unique to Commenity & CLIs makes it valuable, as is. IMHO. Would hate to see it merged.

Re: Comenity CLI HP/SP Data Points

AverageJoesCredit — Sun, 10 Mar 2019 23:20:07 GMT

Ah, good catch James. Still weird no one has resurrected it. Carry on Mr Diablo

Re: Comenity CLI HP/SP Data Points

AverageJoesCredit — Sun, 10 Mar 2019 23:21:24 GMT

For thread my recent cli request via call in, automated, was approved for $1k , no hp. Zales, the real Black Card

Re: Comenity CLI HP/SP Data Points

Hockeypnc1 — Sun, 10 Mar 2019 23:32:01 GMT

Denied for all Comenity credit limit increases

All have been soft pulls

Have tried online and over the phone

Always denied.

I have many Comenity cards like Victoria's Secret, J Crew, NY and Company, Williams Sonoma, etc.

Re: Comenity CLI HP/SP Data Points

Anonymous — Tue, 12 Mar 2019 05:25:54 GMT

Card in question: The Children's Place
Open date and whether SP/SCT or HP: 02/24/2018 HP
Existing CL: $750
Date of CLI: 03/10/2018
Amount of CLI: $500
For each CLI, whether it was SP or HP: HP Equifax

Re: Comenity CLI HP/SP Data Points

Anonymous — Tue, 12 Mar 2019 13:45:58 GMT

Comenity seems to be strange/irregular in their process. I got Overstock/Boscov's/Victoria Secret cards, all through SCT but they all incurred a HP regardless.

Card in question: Overstock
Open date and whether SP/SCT or HP: January 2019 SCT/HP
Existing CL: $750
Date of CLI: Once card came in mail
Amount of CLI: $1600 increase to $2350
For each CLI, whether it was SP or HP: CLI was SP

Card in question: Boscov's
Open date and whether SP/SCT or HP: January 2019 SCT/HP
Existing CL: $1000
Date of CLI: Once card came in mail
Amount of CLI: $1600 increase to $2600
For each CLI, whether it was SP or HP: CLI was SP

Card in question: Victoria's Secret
Open date and whether SP/SCT or HP: January 2019 SCT/HP
Existing CL: $500
Date of CLI: Denied any CLI
Amount of CLI: $0
For each CLI, whether it was SP or HP: SP

Re: Comenity CLI HP/SP Data Points

FinStar — Sun, 18 Apr 2021 20:55:40 GMT

@Anonymous wrote:
AJC I apologize - I don’t recall seeing it. If so maybe a mod would merge this with that thread?

The separate running thread that @FireMedic1 created just for the SCT (HPs) is below for anyone that would be interested:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Updated-SCT-is-now-a-HP-No-more-tricks/m-p/5359856

Re: Comenity CLI HP/SP Data Points

Anonymous — Tue, 12 Mar 2019 19:02:39 GMT

It's not much, but I'll add my two cents.

I was approved for an Overstock card in early Jan 2019 with a $250 credit limit. Hard pull (of course) with Experian.

A few weeks later, on a whim, I clicked on the LUV button. Refused, no hard pull. (I was not shocked at the refusal!)