topic Re: Comenity cards- no CLI luv :( in Credit Card Applications

Comenity cards- no CLI luv :(

DeeBee78 — Thu, 23 Apr 2015 19:55:20 GMT

My Comenity cards are all over one month old as of the 21st. I have statements generated for all of them, and tiny balances on them.

I hit the luv button on all four, immediately got the 7-10 day message. Even on my Gamestop card, which I've had for 6 months.

I'll try again once the next statement generates, but I don't have much faith in receiving further CLI's. I paid off all the small balances this morning.

I'll just SD these cards and close them in two years if I can't get any CLI out of them.

Re: Comenity cards- no CLI luv :(

Anonymous — Thu, 23 Apr 2015 19:57:54 GMT

@DeeBee78 wrote:
My Comenity cards are all over one month old as of the 21st. I have statements generated for all of them, and tiny balances on them.

I hit the luv button on all four, immediately got the 7-10 day message. Even on my Gamestop card, which I've had for 6 months.

I'll try again once the next statement generates, but I don't have much faith in receiving further CLI's. I paid off all the small balances this morning.

I'll just SD these cards and close them in two years if I can't get any CLI out of them.

Comenity likes to see activity for at least 6 months, sometimes up to 9 depending on the card. Is there anything negative in your credit report?

If yes, that may be holding them back from giving you additional credit.

Re: Comenity cards- no CLI luv :(

Anonymous — Thu, 23 Apr 2015 20:00:22 GMT

@DeeBee78 wrote:
My Comenity cards are all over one month old as of the 21st. I have statements generated for all of them, and tiny balances on them.

I hit the luv button on all four, immediately got the 7-10 day message. Even on my Gamestop card, which I've had for 6 months.

I'll try again once the next statement generates, but I don't have much faith in receiving further CLI's. I paid off all the small balances this morning.

I'll just SD these cards and close them in two years if I can't get any CLI out of them.

You do realize that it is going to take more than a month or two of history to warrant a CLI correct? Most Comenity store cards are going to take 6-9 statements for the first CLI. After that initial 6-9 month wait, it is generally 3-4 months in between

Re: Comenity cards- no CLI luv :(

FinStar — Thu, 23 Apr 2015 20:04:01 GMT

@Anonymous wrote:
@DeeBee78 wrote:
My Comenity cards are all over one month old as of the 21st. I have statements generated for all of them, and tiny balances on them.

I hit the luv button on all four, immediately got the 7-10 day message. Even on my Gamestop card, which I've had for 6 months.

I'll try again once the next statement generates, but I don't have much faith in receiving further CLI's. I paid off all the small balances this morning.

I'll just SD these cards and close them in two years if I can't get any CLI out of them.
You do realize that it is going to take more than a month or two of history to warrant a CLI correct? Most Comenity store cards are going to take 6-9 statements for the first CLI. After that initial 6-9 month wait, it is generally 3-4 months in between

Exactly.

OP, while some folks may receive an additional CLI here or there within less than a month of having a particular account (such as when creating an online account), that doesn't translate into guaranteed CLI results for everyone.

Re: Comenity cards- no CLI luv :(

Anonymous — Thu, 23 Apr 2015 22:45:12 GMT

A lot of their cards besides J Crew, Overstock, and HSN give small limits and do cli's after 6-9 months. I haven't had success with Overstock after 3 months but I had no charges either. J Crew got 2 $300 increases in the same time.

Scores and length of credit history matters particularly with Overstock. Those with a longer credit history and higher limits got higher starting limits and instant cli's at opening.

You've only had the accounts for a month. One statement has cut. Have you made a payment on J Crew and Overstock, let it post, and let a new statement generate after your payment? Do that and then apply for a cli ONLY on those 2 accounts.

Don't push so hard. Be glad you got the accounts and space your cli attempts one day after you new bill hits monthly.

Re: Comenity cards- no CLI luv :(

Anonymous — Thu, 23 Apr 2015 22:53:28 GMT

I think it was 3 months before I got my first J Crew CLI and then only 1 for $200. After that I hit the button once a month for $200. After 6 months, hit that button at least six times at $200 a pop and now my CLIs are $400 each time. It takes a little patience for a lot of reward. Hang in there.

Re: Comenity cards- no CLI luv :(

kdm31091 — Thu, 23 Apr 2015 22:54:56 GMT

A month?

That's not really enough time to expect a CLI on a card. Comenity likes 6-9 months of usage and payments at least. Give it time.

Re: Comenity cards- no CLI luv :(

tiger_uppercut — Thu, 23 Apr 2015 23:08:06 GMT

@DeeBee78 wrote:
My Comenity cards are all over one month old as of the 21st. I have statements generated for all of them, and tiny balances on them.

I hit the luv button on all four, immediately got the 7-10 day message. Even on my Gamestop card, which I've had for 6 months.

I'll try again once the next statement generates, but I don't have much faith in receiving further CLI's. I paid off all the small balances this morning.

I'll just SD these cards and close them in two years if I can't get any CLI out of them.

Give it 6 months and then the CLI should start flowing.

In OPs defense, people around here *always* say they hit the CLI button right away after receiving the card and get increases. And people encourage new Comenity card holders (particularly Overstock and J Crew) to hit the love button right away. So I understand his/her confusion. The instant CLI was not the case for me and I didn't understand until I read up more and saw 6+ months is the norm.

Re: Comenity cards- no CLI luv :(

FinStar — Fri, 24 Apr 2015 00:44:34 GMT

@kdm31091 wrote:
A month?

That's not really enough time to expect a CLI on a card. Comenity likes 6-9 months of usage and payments at least. Give it time.

Not true at all. For a variety of accounts, sure (Victoria's Secret, Express, Limited, etc.). However, you've been around the forums long enough to learn anecdotal evidence has shown that other individuals have indeed received a CLI on their Comenity store and co-branded cards shortly after being approved (Overstock, J Crew, Sportsman Guide, Travel Rewards to name a few).

Re: Comenity cards- no CLI luv :(

Anonymous — Fri, 24 Apr 2015 01:03:07 GMT

A whole month? lol.

Re: Comenity cards- no CLI luv :(

Jerry45 — Mon, 27 Apr 2015 16:11:18 GMT

Agreed. I waited 6 months after opening my Sportsman's Visa, then hit the Luv Button to receive a CLI. I did not try before the 6 months.

Re: Comenity cards- no CLI luv :(

Anonymous — Tue, 28 Apr 2015 08:04:32 GMT

ever since ive had my overstock ive received a cli every month. even on day one from getting the card i received an increase

Re: Comenity cards- no CLI luv :(

Anonymous — Wed, 29 Apr 2015 01:17:38 GMT

May be too early like others are saying but try calling the automated number on back of your comenity cards. say Credit line incease when asked why you are calling. When prompted on if you have an increase amount in mind say "No". This method works well for me. Good luck!

Re: Comenity cards- no CLI luv :(

Anonymous — Wed, 29 Apr 2015 02:53:08 GMT

My OS has been stuck at 4K for 7 weeks now.

Looks like i need to buy something again but of course, Amazon beats them on price.

Re: Comenity cards- no CLI luv :(

roochada — Wed, 29 Apr 2015 01:45:58 GMT

I got Comenity CLI after I was approved for these two cards. Total Rewards Visa-Initial limit $6k set up account asked for increase and approved to $7200. Overstcock same thing intial limit $6K but only receive a $400 increase.

Re: Comenity cards- no CLI luv :(

Anonymous — Wed, 29 Apr 2015 02:53:49 GMT

@Anonymous wrote:
My OS has been stuck at 4K for 7 weeks now.

Looks like i need to buy something again but of course, Amazon beats them on price.

Not always Nixon. . . OV has some good items and sometimes they do beat Amazon.

Do yourself a favor by buying something and pay it off in 2-3 months.

I bought a table and in 3 months my CLI went up $900month (granted this was after 6 statements).

Good luck.

One other thing. . .besides everyone jumping up for joy for their Comenity CLIs especially with J Crew - to each his own, but really dumb to keep pushing the luv button for the thrill -- but buy nothing. Buy a toenail clipper at least and pay it off. They gave you credit, now use it once in awhile.

Re: Comenity cards- no CLI luv :(

DeadlyPersona — Wed, 29 Apr 2015 03:17:57 GMT

@Anonymous wrote:
@Anonymous wrote:
My OS has been stuck at 4K for 7 weeks now.

Looks like i need to buy something again but of course, Amazon beats them on price.
Not always Nixon. . . OV has some good items and sometimes they do beat Amazon.

Do yourself a favor by buying something and pay it off in 2-3 months.

I bought a table and in 3 months my CLI went up $900month (granted this was after 6 statements).

Good luck.

One other thing. . .besides everyone jumping up for joy for their Comenity CLIs especially with J Crew - to each his own, but really dumb to keep pushing the luv button for the thrill -- but buy nothing. Buy a toenail clipper at least and pay it off. They gave you credit, now use it once in awhile.

I do agree with that....it's bad to continue to click the luv button expecting a CLIs and not purchase anything from the company that gave you credit. My J. Crew and Buckle accounts are used mainly for gifts BUT I don't click the luv button every month or every 3 months "just because" either.

Re: Comenity cards- no CLI luv :(

Anonymous — Mon, 10 Aug 2015 16:32:29 GMT

No more button love!

Comenity CLI button refers me to the number on the back of my card for each credit limit increase I request. I called the numbers today for the following:

Sportsman Guide- Hard Pull. System checks out your credit every I think 6 months for an increase. But rep assures me a hard pull can be done at any time!

One Stop Plus/Full Beauty- Would need a hard pull.

Avenue- Hard Pull.

Brylane-Hard Pull.

HSN- Hard Pull.

Overstock- Automatic Love from button. A couple hundred dollars ( $200?)

I requested for all my GE cards and I received fabulous increases with no hard pulls except for Old Navy (kind of weird).

Re: Comenity cards- no CLI luv :(

Anonymous — Mon, 10 Aug 2015 17:01:52 GMT

I got an immediate increase on my OS card by hitting the LUV button, but on the BrylaneHome it gave me the 7-10 days message.

It can be hit or miss, but if you are like I am, we want immediate gratification. Patience? Who needs patience, LOL.

Re: Comenity cards- no CLI luv :(

Anonymous — Tue, 11 Aug 2015 11:26:17 GMT

@DeeBee78 wrote:
My Comenity cards are all over one month old as of the 21st. I have statements generated for all of them, and tiny balances on them.

I hit the luv button on all four, immediately got the 7-10 day message. Even on my Gamestop card, which I've had for 6 months.

I'll try again once the next statement generates, but I don't have much faith in receiving further CLI's. I paid off all the small balances this morning.

I'll just SD these cards and close them in two years if I can't get any CLI out of them.

I have had my Comenity cards for just a month now and I got increases on Overstock and J Crew, both 300.00 each. When I hit the Love button, it is a no go! I have to call and get the increases through the automated line. When they ask if you have a particular amount of increase say no, they will not counter. I had read some post regarding the 31 day increases and it worked for some cards. I can't get Vic. secrets or Brylane Home to work and I'm not even going to try the Visa cards. I will wait the 6 months. try the automated line. Good Luck!