topic Re: Just got the Checkbox from Comenity in Credit Cards

Just got the Checkbox from Comenity

MyDataMyChoice — Wed, 17 Jun 2015 13:38:05 GMT

Before I Push

It showed up on Jcrew...

"I give Comenity Bank consent to access my credit bureau report to determine whether I qualify for a credit limit increase.""

Will it result in a HP?

Re: Just got the Checkbox from Comenity

Anomalous — Wed, 17 Jun 2015 13:55:21 GMT

I haven't encountered the box yet, but it appears that way. I'm waiting for it to show up on my Overstock account. I stopped receiving monthly luv back in March. The denial letters for each attempt to get luv state this "unable to verify credit history", "limited credit experience" WTH?. My reports are frozen again, but they were frozen back when I was getting CLIs from them. I guess they want to HP me now. Not gonna happen.

Re: Just got the Checkbox from Comenity

schsa210 — Wed, 17 Jun 2015 14:09:46 GMT

If they do a HP, it wouldn't surprise me. Out of all my Comenity cards that give me denials for cl's, J. Crew is the only one where in their letter they go into more details about how other things are my credit report had something to do with their decision. Where as my other Comenity accounts, if denied a cl, will state it being due to me just recently receiving a cl or that my account is fairly new and they want to see me establish a payment history with them.

Re: Just got the Checkbox from Comenity

needtodobetter — Wed, 17 Jun 2015 14:18:08 GMT

A couple of weeks ago, I received HPs for both my Loft and VS CLI requests. I did not get the check box and had no idea that they would do a HP for hitting the luv button.

Boooooooo booooooooo ;-)

Re: Just got the Checkbox from Comenity

CreditCuriosity — Wed, 17 Jun 2015 14:30:41 GMT

@needtodobetter wrote:
A couple of weeks ago, I received HPs for both my Loft and VS CLI requests. I did not get the check box and had no idea that they would do a HP for hitting the luv button.

Boooooooo booooooooo ;-)

ouch...If I ever get that button i will simply quit on my JCREW card as that is my only store card and already above 5k. I think it has to do with the more of their cards you have and how much you push the buttton, although I could be completely wrong if / when that check box comes up.. I simply keep my reports frozen thus no accidental mistakes happen

Re: Just got the Checkbox from Comenity

pizza1 — Wed, 17 Jun 2015 18:55:22 GMT

IDK...

But I have that BOX on several of my cards, but I hit it anyways..no HP's at all for me. I hit weekly, LOL

Re: Just got the Checkbox from Comenity

CreditCuriosity — Wed, 17 Jun 2015 19:01:22 GMT

@pizza1 wrote:
IDK...

But I have that BOX on several of my cards, but I hit it anyways..no HP's at all for me. I hit weekly, LOL

probably cause you are at max inquireies on your EQ report so you can't see more than X amt ... Although you have been good lately and haven't applied for anything that I have seen lately have you ?

Re: Just got the Checkbox from Comenity

smitty1 — Wed, 17 Jun 2015 20:16:25 GMT

I noticed a few months ago, when I opened a few accounts via the SCT with Comenity, I would set up the account, then hit the LUV button to see if I could get a quick increase. While I was in the process of doing that I got an alert that a HP had occured by Comenity. I repeated that for 3 more accounts, same results. I guess if they don't get a HP with the SCT, they wait until you ask for an increase, at least via the LUV button, to get it. I don't use the LUV button anymore for Comenity accounts, except for Overstock, which I haven't noticed doing that.

Re: Just got the Checkbox from Comenity

needtodobetter — Wed, 17 Jun 2015 23:28:52 GMT

@smitty1 wrote:
I noticed a few months ago, when I opened a few accounts via the SCT with Comenity, I would set up the account, then hit the LUV button to see if I could get a quick increase. While I was in the process of doing that I got an alert that a HP had occured by Comenity. I repeated that for 3 more accounts, same results. I guess if they don't get a HP with the SCT, they wait until you ask for an increase, at least via the LUV button, to get it. I don't use the LUV button anymore for Comenity accounts, except for Overstock, which I haven't noticed doing that.

You could be onto something there for sure. I got the pop-ups when I got both my Loft and my VS, so they only did SPs. I never considered that to be a reason. I was surprised when I got HPs for both my CLI requests last week, but that makes sense now.

Re: Just got the Checkbox from Comenity

Anonymous — Wed, 17 Jun 2015 23:33:53 GMT

No button like that and no alerts yet.

Re: Just got the Checkbox from Comenity

taxi818 — Thu, 18 Jun 2015 01:18:43 GMT

@CreditCuriousity wrote:
@needtodobetter wrote:
A couple of weeks ago, I received HPs for both my Loft and VS CLI requests. I did not get the check box and had no idea that they would do a HP for hitting the luv button.

Boooooooo booooooooo ;-)
ouch...If I ever get that button i will simply quit on my JCREW card as that is my only store card and already above 5k. I think it has to do with the more of their cards you have and how much you push the buttton, although I could be completely wrong if / when that check box comes up.. I simply keep my reports frozen thus no accidental mistakes happen

agreed/but i was able to hit it 11 times. 2 or 3 days ago. with no issues what so ever. took my jcrew almost to 10k. 9100 actually. so i don't know what the criteria is for comenity to do hp's. yikes. need a little luv on my Total Rewards Visa. might be willing to even do hp for that one

Re: Just got the Checkbox from Comenity

CreditCuriosity — Thu, 18 Jun 2015 01:26:09 GMT

@taxi818 wrote:
@CreditCuriousity wrote:
@needtodobetter wrote:
A couple of weeks ago, I received HPs for both my Loft and VS CLI requests. I did not get the check box and had no idea that they would do a HP for hitting the luv button.

Boooooooo booooooooo ;-)
ouch...If I ever get that button i will simply quit on my JCREW card as that is my only store card and already above 5k. I think it has to do with the more of their cards you have and how much you push the buttton, although I could be completely wrong if / when that check box comes up.. I simply keep my reports frozen thus no accidental mistakes happen
agreed/but i was able to hit it 11 times. 2 or 3 days ago. with no issues what so ever. took my jcrew almost to 10k. 9100 actually. so i don't know what the criteria is for comenity to do hp's. yikes. need a little luv on my Total Rewards Visa. might be willing to even do hp for that one

4 statements and you will get love someone today went from 4k to 6k via SP after 4 months.. I know you can even get higher or multiple ones on that card according to others and MIA got a big CLI the other day to bring hers to 24.5k. Time as anything with credit/lenders.

Re: Just got the Checkbox from Comenity

Anonymous — Thu, 18 Jun 2015 01:57:32 GMT

@smitty1 wrote:
I noticed a few months ago, when I opened a few accounts via the SCT with Comenity, I would set up the account, then hit the LUV button to see if I could get a quick increase. While I was in the process of doing that I got an alert that a HP had occured by Comenity. I repeated that for 3 more accounts, same results. I guess if they don't get a HP with the SCT, they wait until you ask for an increase, at least via the LUV button, to get it. I don't use the LUV button anymore for Comenity accounts, except for Overstock, which I haven't noticed doing that.

Don't they need your permission for a hard pull? My few CLI's from JCREW were automatically granted after the request, but Macy's wont grant a CLI without a hard pull and they request your permission to do it.

Re: Just got the Checkbox from Comenity

needtodobetter — Thu, 18 Jun 2015 02:03:02 GMT

@Anonymous wrote:
@smitty1 wrote:
I noticed a few months ago, when I opened a few accounts via the SCT with Comenity, I would set up the account, then hit the LUV button to see if I could get a quick increase. While I was in the process of doing that I got an alert that a HP had occured by Comenity. I repeated that for 3 more accounts, same results. I guess if they don't get a HP with the SCT, they wait until you ask for an increase, at least via the LUV button, to get it. I don't use the LUV button anymore for Comenity accounts, except for Overstock, which I haven't noticed doing that.
Don't they need your permission for a hard pull? My few CLI's from JCREW were automatically granted after the request, but Macy's wont grant a CLI without a hard pull and they request your permission to do it.

That is what I thought as well. All I did was hit the LUV button, and it asked me for my income and then continue. It did not say anywhere on the screen that it would be a HP. I looked multiple times both times. That is why I was completely surprised. I did not get a CLI on my VS card last week (I think I hit the LUV on 6/11), but I wasn't too surprised since it seems pretty common that they wait until the 9th statement. However, I called in today and went through the automated CLI phone request and was instantly improved for a VS CLI.