topic Re: Comenity confirms new policy!! in Credit Cards

Comenity confirms new policy!!

Anonymous — Fri, 04 Sep 2015 22:29:50 GMT

I called Comenity this morning to speak with a representative. I told them that I had considered asking for a CLI on a couple of my cards. I told them I had heard there was a new policy regarding CLI's. I said I had heard now they require hard pulls vs soft pulls in the past. The representative confirmed that they do hard pulls now and that it was a new policy. I asked if we would still get cli's automatically, he said yes.
I will no longer be requesting any cli's on any of my comenity cards😢

Re: Comenity confirms new policy!!

kdm31091 — Fri, 04 Sep 2015 22:32:10 GMT

Honestly it makes sense. Too much abuse of the "luv button".

Re: Comenity confirms new policy!!

CreditCuriosity — Fri, 04 Sep 2015 22:37:36 GMT

I honestly don't think that CSR knew what he was talking about OP.. Business as usual with comedity via Luv button.. Sure you could be hit by a HP, but when you request credit expect it, but they usually don't do it unless you speak with a representative. I trust my dog that she won't eat a steak I leave on the coffee table while I leave the room more than the knowledge of their CSR's.

Re: Comenity confirms new policy!!

Anonymous — Fri, 04 Sep 2015 22:47:27 GMT

I hope that's not the case!

Re: Comenity confirms new policy!!

CreditCuriosity — Fri, 04 Sep 2015 22:48:38 GMT

One way to ensure it that this doesn't happen on mistake is to ensure it is cold outside!

Re: Comenity confirms new policy!!

Callandra — Fri, 04 Sep 2015 22:53:42 GMT

@CreditCuriousity wrote:
I honestly don't think that CSR knew what he was talking about OP.. Business as usual with comedity via Luv button.. Sure you could be hit by a HP, but when you request credit expect it, but they usually don't do it unless you speak with a representative. I trust my dog that she won't eat a steak I leave on the coffee table while I leave the room more than the knowledge of their CSR's.

Hmm, I can understand that...I'd probably have more trust in my cat not eating the open can of tuna on the table!

But it does seem Comenity CSRs are notorious for being misinformed; I guess the only way to find out for sure is to try?

Re: Comenity confirms new policy!!

SunriseEarth — Fri, 04 Sep 2015 22:55:16 GMT

@Anonymous wrote:
I called Comenity this morning to speak with a representative. I told them that I had considered asking for a CLI on a couple of my cards. I told them I had heard there was a new policy regarding CLI's. I said I had heard now they require hard pulls vs soft pulls in the past. The representative confirmed that they do hard pulls now and that it was a new policy. I asked if we would still get cli's automatically, he said yes.
I will no longer be requesting any cli's on any of my comenity cards😢

AFAIK, the Comenity HP CLIs have only resulted when people speak with a CSR about a CLI. The LUV button and phone robot-lady appear to be business as usual. But, of course, YMMV. Hopefully members with different experiences will share.

Re: Comenity confirms new policy!!

Anonymous — Fri, 04 Sep 2015 23:17:10 GMT

@SunriseEarth wrote:
@Anonymous wrote:
I called Comenity this morning to speak with a representative. I told them that I had considered asking for a CLI on a couple of my cards. I told them I had heard there was a new policy regarding CLI's. I said I had heard now they require hard pulls vs soft pulls in the past. The representative confirmed that they do hard pulls now and that it was a new policy. I asked if we would still get cli's automatically, he said yes.
I will no longer be requesting any cli's on any of my comenity cards😢
AFAIK, the Comenity HP CLIs have only resulted when people speak with a CSR about a CLI. The LUV button and phone robot-lady appear to be business as usual. But, of course, YMMV. Hopefully members with different experiences will share.

just got a couple letters in the mail today from them, have a few more coming the next couple days - no HP alerts on any of my monitors

although the sportsman's guide one said i was declined because they couldn't access my credit report. must be they tried checking EQ - froze it a couple weeks ago. wonder if that one would have been a HP?

Re: Comenity confirms new policy!!

Credit-hoarder — Fri, 04 Sep 2015 23:56:08 GMT

@CreditCuriousity wrote:
I honestly don't think that CSR knew what he was talking about OP.. Business as usual with comedity via Luv button.. Sure you could be hit by a HP, but when you request credit expect it, but they usually don't do it unless you speak with a representative. I trust my dog that she won't eat a steak I leave on the coffee table while I leave the room more than the knowledge of their CSR's.

That made me literally laugh out loud.

Re: Comenity confirms new policy!!

CH-7-Mission-Accomplished — Sat, 05 Sep 2015 00:26:16 GMT

Just keep your reports frozen and it is impossible for them to HP you for a CLI. No brainer, no worry.

Re: Comenity confirms new policy!!

Anonymous — Sat, 05 Sep 2015 00:44:53 GMT

Another clueless CSR. Requested CLIs and received increases on my Overstock and Sportsman Guide Visa and neither resulted in HPs.

Re: Comenity confirms new policy!!

Anonymous — Sat, 05 Sep 2015 01:10:32 GMT

@Anonymous wrote:
I called Comenity this morning to speak with a representative. I told them that I had considered asking for a CLI on a couple of my cards. I told them I had heard there was a new policy regarding CLI's. I said I had heard now they require hard pulls vs soft pulls in the past. The representative confirmed that they do hard pulls now and that it was a new policy. I asked if we would still get cli's automatically, he said yes.
I will no longer be requesting any cli's on any of my comenity cards😢

I requested a CLI on my Sportman's Guide day before yesterday. No hard pull. Requested a CLI on my Overstock 13 days ago. No hard pull.

Re: Comenity confirms new policy!!

kdm31091 — Sat, 05 Sep 2015 01:43:42 GMT

Really I find it interesting there have been so many threads about this lately. It boils down to very simple advice. Comenity has historically been SP for CLIs and for some/most people, it seems SP continues through the increase button or "robot lady", but if you talk to a CSR you get a HP.

With any credit seeking, you should expect a HP as they have permission to do it, whether it's typically done or not. So hitting the "luv button" 5 times a week is probably not a good idea.

But why people are making this more complex than it really is, I don't know. Trusting a Comenity CSR is a waste of time. They are a huge, and very disorganized, company where person A doesn't know what person B is doing. Even calling to ask them is a waste of time. Just accept that a HP is possible with the CLI request and if you still want to move forward, press the button. That's all there is to this.

Re: Comenity confirms new policy!!

Anonymous — Sat, 05 Sep 2015 01:49:38 GMT

@kdm31091 wrote:
Really I find it interesting there have been so many threads about this lately. It boils down to very simple advice. Comenity has historically been SP for CLIs and for some/most people, it seems SP continues through the increase button or "robot lady", but if you talk to a CSR you get a HP.

With any credit seeking, you should expect a HP as they have permission to do it, whether it's typically done or not. So hitting the "luv button" 5 times a week is probably not a good idea.

But why people are making this more complex than it really is, I don't know. Trusting a Comenity CSR is a waste of time. They are a huge, and very disorganized, company where person A doesn't know what person B is doing. Even calling to ask them is a waste of time. Just accept that a HP is possible with the CLI request and if you still want to move forward, press the button. That's all there is to this.

I generally agree but the reason that this has come up is because a person or two here has been trying to give the impression that these requests/applications are resulting in HPs and generally giving out misinformation.

Re: Comenity confirms new policy!!

Anonymous — Sat, 05 Sep 2015 02:01:55 GMT

@Anonymous wrote:
@kdm31091 wrote:
Really I find it interesting there have been so many threads about this lately. It boils down to very simple advice. Comenity has historically been SP for CLIs and for some/most people, it seems SP continues through the increase button or "robot lady", but if you talk to a CSR you get a HP.

With any credit seeking, you should expect a HP as they have permission to do it, whether it's typically done or not. So hitting the "luv button" 5 times a week is probably not a good idea.

But why people are making this more complex than it really is, I don't know. Trusting a Comenity CSR is a waste of time. They are a huge, and very disorganized, company where person A doesn't know what person B is doing. Even calling to ask them is a waste of time. Just accept that a HP is possible with the CLI request and if you still want to move forward, press the button. That's all there is to this.
I generally agree but the reason that this has come up is because a person or two here has been trying to give the impression that these requests/applications are resulting in HPs and generally giving out misinformation.

That is why people who are giving out wrong info. on the board should not be encouraged. Some people are new to credit and such info. brings down the value of the board.

Re: Comenity confirms new policy!!

toi34 — Sat, 05 Sep 2015 02:48:17 GMT

@Anonymous wrote:
I called Comenity this morning to speak with a representative. I told them that I had considered asking for a CLI on a couple of my cards. I told them I had heard there was a new policy regarding CLI's. I said I had heard now they require hard pulls vs soft pulls in the past. The representative confirmed that they do hard pulls now and that it was a new policy. I asked if we would still get cli's automatically, he said yes.
I will no longer be requesting any cli's on any of my comenity cards😢

LOL!!!! I hear ya...it's not worth it.

Re: Comenity confirms new policy!!

pizza1 — Sat, 05 Sep 2015 14:44:57 GMT

@Anonymous wrote:
I called Comenity this morning to speak with a representative. I told them that I had considered asking for a CLI on a couple of my cards. I told them I had heard there was a new policy regarding CLI's. I said I had heard now they require hard pulls vs soft pulls in the past. The representative confirmed that they do hard pulls now and that it was a new policy. I asked if we would still get cli's automatically, he said yes.
I will no longer be requesting any cli's on any of my comenity cards😢

again...the CSR rep dont have a clue. I just requested a CLI on all 12 of my Comenity CC's, and guess what? NO HP! I would take what a CSR says with a grain of salt.

Now..if the rep on the phone tells you he needs to pull a NEW credit report, then its up to you to decide if you want to risk the rep actually being right this time. FYI...I called in on one of mine last week, rep told me they need to pull my credit, I said DO IT! I got my increase, and of course no HP. They may be told to say that now, who knows. I also pulled my reports here at FICO, and the CRA's to confirm this theroy that has everyone panicking.....and no HP's.

Re: Comenity confirms new policy!!

Anonymous — Sat, 05 Sep 2015 05:04:06 GMT

With any luck this will truly be the new policy with SP Auto CLI being confered upon those whom are truly in necessity of due to being limited by their credit limit when shopping.

Re: Comenity confirms new policy!!

morgacj2004 — Sat, 05 Sep 2015 05:09:44 GMT

I believe it is still business as usual via the phone robot lady. Just got a $10,250 CL increase on my Blue Nile card will be trying again in 31 days. I will keep u updated

Re: Comenity confirms new policy!!

UncleB — Sat, 05 Sep 2015 05:34:36 GMT

This is why when I give information on this forum I always present it as my own personal experience - basically just a data point - but never as stone-cold 'fact'.

I enjoy reading about other's experiences, and I truly appreciate advice and data points on different experiences, but I occasionally get put off when people speak in absolutes or try to present their personal opinion as fact.

Just my 2¢. In keeping with the spirit of my post, YMMV in how useful it is to you.