topic Re: SPORTSMAN GUIDE VISA HELP in Credit Card Applications

SPORTSMAN GUIDE VISA HELP

rchvmz — Thu, 21 Oct 2021 22:48:44 GMT

I was approved with a 2800 cl, 45 days ago with Sportsman Guide Visa. It was thru the SCT.....I hear/read different stories about when this card will allow CLI---ranging from immediately, to 61 days, to 6 months. Is there any real evidenence or actual facts about this or is it a case by case issue?.............I have a Overstock store card, which gives me increases, started at 250 Jan 2021---now at 4500. I have the Goodsam store card, used once and never asked for CLI--cl is 400. Haven't tried with SG and would like some solid experience on this. Thanks

Re: SPORTSMAN GUIDE VISA HELP

FinStar — Thu, 21 Oct 2021 23:02:01 GMT

If your account wasn't eligible for a CLI upon activation, you'd need to wait about ~6 months @rchvmz. There really isn't any way around that for the 1st CLI on the Comenity V/MC to speed things up. The retail cards follow a different set of criteria, those you can ask periodically and even a few months post-approval. Of course, results will vary for every profile.

Re: SPORTSMAN GUIDE VISA HELP

rchvmz — Thu, 21 Oct 2021 23:04:08 GMT

@FinStar wrote:
If your account wasn't eligible for a CLI upon activation, you'd need to wait about ~6 months @rchvmz. There really isn't any way around that for the 1st CLI on the Comenity V/MC to speed things up. The retail cards follow a different set of criteria, those you can ask periodically and even a few months post-approval. Of course, results will vary for every profile.

I did not think to ask at activation---and have not done so since. So, if thats how it goes, then I missed that opportunity

Re: SPORTSMAN GUIDE VISA HELP

Rebuild2019 — Thu, 21 Oct 2021 23:35:43 GMT

Congratulations 🎉🎈🎊 on your approval. Hope it grows for you.

Re: SPORTSMAN GUIDE VISA HELP

SoCalGardener — Thu, 21 Oct 2021 23:48:00 GMT

@rchvmz wrote:
I was approved with a 2800 cl, 45 days ago with Sportsman Guide Visa. It was thru the SCT.....I hear/read different stories about when this card will allow CLI---ranging from immediately, to 61 days, to 6 months. Is there any real evidenence or actual facts about this or is it a case by case issue?.............I have a Overstock store card, which gives me increases, started at 250 Jan 2021---now at 4500. I have the Goodsam store card, used once and never asked for CLI--cl is 400. Haven't tried with SG and would like some solid experience on this. Thanks

I got a few Comenity cards several years ago, including SGV, using the SCT. At the time, my credit wasn't great, but not awful either. Just FWIW, they've been very stingy with me as far as credit line increases go. Also, keep in mind that each CLI request triggers a hard pull--at least that's what it says when I try. (I never go through with it.)

Re: SPORTSMAN GUIDE VISA HELP

4sallypat — Fri, 22 Oct 2021 00:02:02 GMT

I have the same card.

Wait at least 6 months and make sure you are showing spend.

Re: SPORTSMAN GUIDE VISA HELP

rchvmz — Fri, 22 Oct 2021 00:31:37 GMT

@4sallypat wrote:
I have the same card.
Wait at least 6 months and make sure you are showing spend.

Thanks, will do. I have been using it as it gets 1% cash back I think--

Re: SPORTSMAN GUIDE VISA HELP

rchvmz — Fri, 22 Oct 2021 00:35:39 GMT

@SoCalGardener wrote:
@rchvmz wrote:
I was approved with a 2800 cl, 45 days ago with Sportsman Guide Visa. It was thru the SCT.....I hear/read different stories about when this card will allow CLI---ranging from immediately, to 61 days, to 6 months. Is there any real evidenence or actual facts about this or is it a case by case issue?.............I have a Overstock store card, which gives me increases, started at 250 Jan 2021---now at 4500. I have the Goodsam store card, used once and never asked for CLI--cl is 400. Haven't tried with SG and would like some solid experience on this. Thanks
I got a few Comenity cards several years ago, including SGV, using the SCT. At the time, my credit wasn't great, but not awful either. Just FWIW, they've been very stingy with me as far as credit line increases go. Also, keep in mind that each CLI request triggers a hard pull--at least that's what it says when I try. (I never go through with it.)

Yeah, I dont want any HP right now anyway----thanks.

Re: SPORTSMAN GUIDE VISA HELP

rostrow416 — Fri, 22 Oct 2021 01:03:25 GMT

It's a soft pull, so roll the dice if you are past 61 days. If it's a no, wait until at least the 6 months mark.

Re: SPORTSMAN GUIDE VISA HELP

Anonymous — Fri, 22 Oct 2021 14:40:17 GMT

From what I've read recently its been 6 months till first CLI then every 4 months thereafter give or take. Again that's with the Visa. Existing Comenity CCs under your belt may skew those DPs.

Re: SPORTSMAN GUIDE VISA HELP

SoCalGardener — Fri, 22 Oct 2021 19:17:37 GMT

@rostrow416 wrote:
It's a soft pull, so roll the dice if you are past 61 days. If it's a no, wait until at least the 6 months mark.

Where are you getting that information? I'm wondering because I just hit the love button on SGV, and on the CLI form it says:

"Please note we may need to access your credit report when considering your request. By submitting this request, you grant us permission to do so."

That's why I never go through with submitting it!

Re: SPORTSMAN GUIDE VISA HELP

FinStar — Fri, 22 Oct 2021 19:32:13 GMT

@SoCalGardener wrote:
@rostrow416 wrote:
It's a soft pull, so roll the dice if you are past 61 days. If it's a no, wait until at least the 6 months mark.
Where are you getting that information? I'm wondering because I just hit the love button on SGV, and on the CLI form it says:

"Please note we may need to access your credit report when considering your request. By submitting this request, you grant us permission to do so."

That's why I never go through with submitting it!

While a HP is still possible, most of those have occurred when processing the request through an agent. It's fairly rare for CLI HPs to occur if processed online or via the automated system.

For reference, countless DPs have been documented on the thread below:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533312

Re: SPORTSMAN GUIDE VISA HELP

CreditMagic7 — Fri, 22 Oct 2021 20:00:10 GMT

@FinStar wrote:
@SoCalGardener wrote:
@rostrow416 wrote:
It's a soft pull, so roll the dice if you are past 61 days. If it's a no, wait until at least the 6 months mark.
Where are you getting that information? I'm wondering because I just hit the love button on SGV, and on the CLI form it says:

"Please note we may need to access your credit report when considering your request. By submitting this request, you grant us permission to do so."

That's why I never go through with submitting it!
While a HP is still possible, most of those have occurred when processing the request through an agent. It's fairly rare for CLI HPs to occur if processed online or via the automated system.

For reference, countless DPs have been documented on the thread below:
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533312

Quite accurate. This first and recent SGV was SP online thru the luv button this month roughly 6 months which is as mentioned is on a longer schedule apart from their store cards but available for Retail Bankcards nonetheless.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Comenity-Sportsmanguide-Visa-SP-CLI/m-p/6425897

Re: SPORTSMAN GUIDE VISA HELP

SoCalGardener — Fri, 22 Oct 2021 21:05:02 GMT

@FinStar wrote:
@SoCalGardener wrote:
@rostrow416 wrote:
It's a soft pull, so roll the dice if you are past 61 days. If it's a no, wait until at least the 6 months mark.
Where are you getting that information? I'm wondering because I just hit the love button on SGV, and on the CLI form it says:

"Please note we may need to access your credit report when considering your request. By submitting this request, you grant us permission to do so."

That's why I never go through with submitting it!
While a HP is still possible, most of those have occurred when processing the request through an agent. It's fairly rare for CLI HPs to occur if processed online or via the automated system.

For reference, countless DPs have been documented on the thread below:
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533312

Well, not in my case!

I recently sent SGV a question via their secure mail asking about it, and they confirmed that there *is* a hard pull.

However, some time ago, on a different Comenity account (Woman Within), they gave me a CLI just by asking them the same question! Go figure.

Re: SPORTSMAN GUIDE VISA HELP

FinStar — Fri, 22 Oct 2021 22:12:07 GMT

@SoCalGardener wrote:
@FinStar wrote:
@SoCalGardener wrote:
@rostrow416 wrote:
It's a soft pull, so roll the dice if you are past 61 days. If it's a no, wait until at least the 6 months mark.
Where are you getting that information? I'm wondering because I just hit the love button on SGV, and on the CLI form it says:

"Please note we may need to access your credit report when considering your request. By submitting this request, you grant us permission to do so."

That's why I never go through with submitting it!
While a HP is still possible, most of those have occurred when processing the request through an agent. It's fairly rare for CLI HPs to occur if processed online or via the automated system.

For reference, countless DPs have been documented on the thread below:
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Comenity-CLI-HP-SP-Data-Points/m-p/5533312
Well, not in my case!

I recently sent SGV a question via their secure mail asking about it, and they confirmed that there *is* a hard pull.

However, some time ago, on a different Comenity account (Woman Within), they gave me a CLI just by asking them the same question! Go figure.

As far as providing that disclosure, that's what they're trained to do (internal policy and regulatory requirements).

That said none of the Comenity CCs I have incurred any HPs, including the Sportsmans Guide Visa. Same for all the other V/MCs and store cards.