topic Re: Total Rewards - CLI increase question? in Credit Card Applications

Total Rewards - CLI increase question?

CreditCuriosity — Tue, 13 Oct 2015 13:58:26 GMT

People familiar with this card, I thought the CLI's were every 4 months with this card? I got the approved and a HP on June 13th of this year.. I hit the button this morning and got the 7-10 day message, we all know what that means.. I thought it was going to be pretty much given I was going to get a CLI today on this card.. Is it pretty much always 4 month intervals or does it sometimes take longer on this card? By no means am I running alot through the card, probably have put 500 through it since I have got the card is all.. Just a buffer/back-up Visa.

I do have all my CB's on ice, but don't expect that changed the results. Maybe I hit it to early? I hit it at 6:30 am CST.. Maybe try again tomorrow? Or is sometimes it 6-9 months with this card? Could of sworn it was every 4 months on the dot for this particular card.

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 14:43:45 GMT

I have had the card since late April...Just received my first cli 2 weeks ago..11,000 ---> 12,500. The 4 month rule does not seem to apply here...and I have put over 10K on the card since. My CB's are on ice as well..so it makes no difference.

Hpe that helps...just think...if we had barneys credit cards our lines would be over 80K now :0

Gregg

Re: Total Rewards - CLI increase question?

CreditCuriosity — Tue, 13 Oct 2015 15:20:47 GMT

Interesting.. Thanks for the info.. So you tried every few weeks I am taking until you got it? Seems like you were 6 months? It appears most people are 4 months, but figured there were a few of us that might take longer. Oh well.. Sucks as thought it was shoe in for a CLI increase today, but will have to live with my 8k CL for the moment. Not that I need it, just want it.. Suprised you put so much through it considering the other cards you have return way better rewards/returns. Any particular reason?

Re: Total Rewards - CLI increase question?

kdm31091 — Tue, 13 Oct 2015 15:38:02 GMT

CLIs are not guaranteed after x amount of time. So the exact minute you hit the button is probably irrelevant. You have to remember that you cannot establish a "set in stone" rule because 5 cardholders on a forum got a CLI after 4 months.

All you can do is wait and keep trying. My BJ's Mastercard from Comenity took 6 months or more before I got any type of CLI.

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 15:39:27 GMT

I travel to vegas a lot for business,,,so whenever I am there I use the card. Put about 1500 - 2000 a month on it. I must have hit the luv button at least once every 2 weeks...kept getting that no luv letter Then one day, about 2 weeks ago, i hit the luv button an before i could even input my income I received the increase screen. I was shocked lol.

I thought, as did you (especially after reading all the posts here) that the 4 month rule was a lock. Sadly, it isnt (still waiting for my first cli on the Virgin America card). I guess the store cards are more geared towards the monthly, quarterly cli's. Maybe. The card, just to let you know, is great in vegas. When I stay as caesars they treat me like caesar himself...could not be happier.

One last point...and very important (I think)...kept reading threads about cli's being HP's....well...i dont ever have to worry about that b/c, like you, all my CB's are iced...so, whenever I hit that button...if I get it..I get it...if i don't...I don't. But I know there will be no HP

Gregg

Re: Total Rewards - CLI increase question?

CreditCuriosity — Tue, 13 Oct 2015 15:54:22 GMT

@Anonymous wrote:
I travel to vegas a lot for business,,,so whenever I am there I use the card. Put about 1500 - 2000 a month on it. I must have hit the luv button at least once every 2 weeks...kept getting that no luv letter Then one day, about 2 weeks ago, i hit the luv button an before i could even input my income I received the increase screen. I was shocked lol.

I thought, as did you (especially after reading all the posts here) that the 4 month rule was a lock. Sadly, it isnt (still waiting for my first cli on the Virgin America card). I guess the store cards are more geared towards the monthly, quarterly cli's. Maybe. The card, just to let you know, is great in vegas. When I stay as caesars they treat me like caesar himself...could not be happier.

One last point...and very important (I think)...kept reading threads about cli's being HP's....well...i dont ever have to worry about that b/c, like you, all my CB's are iced...so, whenever I hit that button...if I get it..I get it...if i don't...I don't. But I know there will be no HP

Gregg

Bingo not going to risk a HP on a comendity card lol, just a new account or an existing account that I really use and need a CLI.. This account is just a nice to have account lol. Ya if you travel to vegas alot for work and stay at Caesar's then using this card would make sense for you for sure. Noticed any changes in service since Ceaser's etc is in BK protection atm? Meaning notice service going down or staying good as ever?

Re: Total Rewards - CLI increase question?

B335is — Tue, 13 Oct 2015 15:56:23 GMT

CC, you probably hit it a little early. I know you know this, but Comenity CLIs are based on time intervals. I'd wait another week or so and try it again.

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 16:00:22 GMT

CC...no change in service...always a pleasure...

And I would definitely hit the luv button once every 2 weeks.....

Gregg

Re: Total Rewards - CLI increase question?

CreditCuriosity — Tue, 13 Oct 2015 16:10:06 GMT

@B335is wrote:
CC, you probably hit it a little early. I know you know this, but Comenity CLIs are based on time intervals. I'd wait another week or so and try it again.

thanks ya will be meshing the button every week from now on lol.. They are time based.. Granted nothing is guranteed, but comenity cards are completly computer generated decisions as customer service agents can't do notta.

FWIW just called customer service and asked them about EMV version of the card and it will be out January and shipped then.. Not sure why they are so behind on this particular card. Only card without chip.

Re: Total Rewards - CLI increase question?

CreditCuriosity — Tue, 13 Oct 2015 16:10:20 GMT

@Anonymous wrote:
CC...no change in service...always a pleasure...

And I would definitely hit the luv button once every 2 weeks.....

Gregg

Thanks

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 16:19:29 GMT

Only card without a chip? Does the virgin america card have a chip??? Mine does not and have not seen any that do? And yes...commenity customer service is useless...it's always "the computer says...the computer says" They should have HAL as a computer...my CL would be 300K

Gregg

Re: Total Rewards - CLI increase question?

CreditCuriosity — Tue, 13 Oct 2015 16:23:18 GMT

@Anonymous wrote:
Only card without a chip? Does the virgin america card have a chip??? Mine does not and have not seen any that do? And yes...commenity customer service is useless...it's always "the computer says...the computer says" They should have HAL as a computer...my CL would be 300K

Gregg

I heard the Virgin America card does have it.. Could of sworn i read people getting the new cards are getting the chips.. Might want to give them a call and request this version of the card.. about 99% sure it does.

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 16:27:09 GMT

Will do. Thanks

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 16:32:42 GMT

Just called them. Chip cards will not go out UNTIL January of next year.

Re: Total Rewards - CLI increase question?

CreditCuriosity — Tue, 13 Oct 2015 16:56:10 GMT

Hmmm could of sworn new people were getting them.. Maybe it is just new people and not existing members? You think they wouldnt want to be liable for charges, but risk/reward.. Guess January for both cards

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 17:28:22 GMT

CC, I received my Total rewards Visa in July and they said at the time that the window to request the initial CLI would be 6-9 months after having the card.

So I'm thinking the 4 month time period would be one that would occur after the first 6-9 month CLI. (i.e., they make you wait 6-9 months so they can establish the history, then you can request every 4 months after that). Just sharing what they mentioned - doesn't mean they know what they are talking about.

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 17:36:28 GMT

GMoney2196 wrote:

Gregg

Neither my Good Sam/ Camping World Sig Visa nor my Total Rewards Sig Visa have the chip yet.

Re: Total Rewards - CLI increase question?

Anonymous — Tue, 13 Oct 2015 22:32:25 GMT

@CC,

I have this card and they always gave me $4k every four months until yesterday ( time for another CLI) and it give me a 7-10 days message. It was very strange because I haven't received this message before until now. Perhaps, I need to wait 6 months which I will try again.

On the other note, maybe they are not giving me more CLI because they recently approved me for Virgin America CC, who knows.. only time will tell !

Re: Total Rewards - CLI increase question?

fury1995 — Tue, 13 Oct 2015 22:33:39 GMT

It's 4 months for cobranded Visa, Mastercard and Discover account.

I wait 4 months plus 1 week.

I save all of my emails from Comenity and check the last "Changes to your account" dates and go by those.

I have multiple accounts and so does DH.

Every once in a while I try a little early just for the heck of it and have to wait a week or so but we haven't missed one yet.

Re: Total Rewards - CLI increase question?

CreditCuriosity — Tue, 13 Oct 2015 22:44:52 GMT

@MIA and @FURY and @humuhumunukunukuapuaa

Thanks.. Ya thought it was every 4 months too.. Might try again tomorrow and if no dice wait a few more weeks and try again, but 99% sure I was approved on the 13th as that is what my HP shows. Obviously nothing is guranteed in the credit world and they could be changing their policies or different policies for different profiles.. Regardless I guess time will show when I will get it.