topic Re: J Crew Credit Card- That Box Came up in Credit Cards

J Crew Credit Card- That Box Came up

ddemari — Thu, 10 Sep 2015 14:35:53 GMT

I have had this card for a year and have heard about the Comenity check box for CLI. Yes, I have hit the button A LOT and my limit is over 18,000.00 so really I dont needd anymore and wont poke that button. But, hopefully it goes away eventually! haha.

None of my other Comenity Bank/ Comenity Capital Bank cards have that box as of right now, hopefully it stays that way.

Re: J Crew Credit Card- That Box Came up

Anonymous — Thu, 10 Sep 2015 16:02:07 GMT

Good to know

Re: J Crew Credit Card- That Box Came up

Anonymous — Thu, 10 Sep 2015 16:03:58 GMT

Didn't come up for me last night. Maybe it's once you get to a certain credit limit for whatever they have on file as your score?

Re: J Crew Credit Card- That Box Came up

Creditaddict — Thu, 10 Sep 2015 16:06:11 GMT

I have it on all my cards that are not qualifying for CLI's anymore but I have clicked it and still have received no hp and an instant no... I usually use the automated phone system only since online gives me difference answers and this box many times but phone just works as normal usually... I think I have 1 account (maybe jcrew, trying to remember) taht even on phone system says that they may check my credit if i continue with request, do I agree.... I have agreed before and still nothing for CLI and no hp's but they seem to not be able to access my EQ on some accounts and I have stopped getting CLI's on those and other accounts it's not an issue so who knows! they are a weird bank.

Re: J Crew Credit Card- That Box Came up

Anomalous — Thu, 10 Sep 2015 16:06:16 GMT

Hmmm...Will see what happens next week when I hit the button for my bi-monthly batch.

Re: J Crew Credit Card- That Box Came up

ddemari — Thu, 10 Sep 2015 16:09:05 GMT

My overstock, hsn, icomfort cards have no box. I have been using the phone for barneys and pier 1

last month they have me 4 - 200 CLI's lol. Now they have decided Im good. lol

Re: J Crew Credit Card- That Box Came up

ddemari — Thu, 10 Sep 2015 16:09:57 GMT

@Creditaddict wrote:
I have it on all my cards that are not qualifying for CLI's anymore but I have clicked it and still have received no hp and an instant no... I usually use the automated phone system only since online gives me difference answers and this box many times but phone just works as normal usually... I think I have 1 account (maybe jcrew, trying to remember) taht even on phone system says that they may check my credit if i continue with request, do I agree.... I have agreed before and still nothing for CLI and no hp's but they seem to not be able to access my EQ on some accounts and I have stopped getting CLI's on those and other accounts it's not an issue so who knows! they are a weird bank.

CA- so you have it on your cards that don't qualify anymore, does that mean they never will qualify again or with Comenity who knows? Have you had them there for a long time?

Re: J Crew Credit Card- That Box Came up

-Cal- — Thu, 10 Sep 2015 16:13:11 GMT

@Creditaddict wrote:
I have it on all my cards that are not qualifying for CLI's anymore but I have clicked it and still have received no hp and an instant no... I usually use the automated phone system only since online gives me difference answers and this box many times but phone just works as normal usually... I think I have 1 account (maybe jcrew, trying to remember) taht even on phone system says that they may check my credit if i continue with request, do I agree.... I have agreed before and still nothing for CLI and no hp's but they seem to not be able to access my EQ on some accounts and I have stopped getting CLI's on those and other accounts it's not an issue so who knows! they are a weird bank.

I love how you fear no hard pulls!

Re: J Crew Credit Card- That Box Came up

Creditaddict — Thu, 10 Sep 2015 16:15:35 GMT

@ddemari wrote:
@Creditaddict wrote:
I have it on all my cards that are not qualifying for CLI's anymore but I have clicked it and still have received no hp and an instant no... I usually use the automated phone system only since online gives me difference answers and this box many times but phone just works as normal usually... I think I have 1 account (maybe jcrew, trying to remember) taht even on phone system says that they may check my credit if i continue with request, do I agree.... I have agreed before and still nothing for CLI and no hp's but they seem to not be able to access my EQ on some accounts and I have stopped getting CLI's on those and other accounts it's not an issue so who knows! they are a weird bank.
CA- so you have it on your cards that don't qualify anymore, does that mean they never will qualify again or with Comenity who knows? Have you had them there for a long time?

I had it for a few months on my Express and then it went away after 3 months or something and I got a CLI and it's back again.

I have had it on my other cards that I was getting CLI's on monthly for a while and I have not gotten anything on HSN, Trek, Pier1, Pottery Barn since getting big increases a while back.... I use to get a letter saying since other creditors couldn't access my report they would not give me a CLI (my report is not locked and not sure what other creditors have to do with them) but starting last month I have gotten "due to utilization currently on the account, we will not give more credit" but my util. is ZERO"

so I chalk it up to another weird computer mess up with comenity and move on.... I get these letters but then at same time get a new account like Carsons and now have a $30k credit line with them! so who knows.

Re: J Crew Credit Card- That Box Came up

ddemari — Thu, 10 Sep 2015 16:17:43 GMT

LOL who knows is right! i have never been able to get an increase on HSN that I acquired through SCT months back. Used it a few times, paid it in full. Tried phone and buttton, but nothing but i hear that it is one of the cards that takes 9 months to get a cli.

I might be closing that card out anyways. The Carson's thing is funny, I wish they had a SCT.

Re: J Crew Credit Card- That Box Came up

Anonymous — Fri, 11 Sep 2015 20:52:56 GMT

You should totally try it. Comenity seems like such an inconsistent creditor.

Re: J Crew Credit Card- That Box Came up

pizza1 — Fri, 11 Sep 2015 21:08:52 GMT

I have this box on a few of mine as well, I still agree and check the box, and a message comes up saying at this time my acct is not eligible, NO HP either. A week or so later when its past 31-33 days, I call the automated and i get an CLI. The box was still there as well.

Personally..people are making way more out of the box than needs to be. Just do the auto lady. Comenity is NOT known at all to do a HP on 99.999% of their store cards.

Their Visa;s are a different story though.

Re: J Crew Credit Card- That Box Came up

pizza1 — Fri, 11 Sep 2015 21:09:21 GMT

@Anonymous wrote:
You should totally try it. Comenity seems like such an inconsistent creditor.

This sounds like a Nixon comment to me....

Re: J Crew Credit Card- That Box Came up

CreditMagic7 — Fri, 11 Sep 2015 21:11:17 GMT

@pizza1 wrote:
@Anonymous wrote:
You should totally try it. Comenity seems like such an inconsistent creditor.
This sounds like a Nixon comment to me....

Nixon incognito.......

Re: J Crew Credit Card- That Box Came up

FinStar — Fri, 11 Sep 2015 21:12:26 GMT

@Anonymous wrote:
You should totally try it. Comenity seems like such an inconsistent creditor.

I agree. ddemari, don't be afraid - do it for science and just clickety the box! If you want to be cautious, then call the automated system

Re: J Crew Credit Card- That Box Came up

ddemari — Fri, 11 Sep 2015 21:13:20 GMT

I clicked it, declined a cli no pull. lol.

Re: J Crew Credit Card- That Box Came up

FinStar — Fri, 11 Sep 2015 21:19:10 GMT

@ddemari wrote:
I clicked it, declined a cli no pull. lol.

See! One more data point Wonder what your letter would say, if anything meaningful at all! I've never seen any of those boxes pop on mine btw.

Re: J Crew Credit Card- That Box Came up

ddemari — Fri, 11 Sep 2015 21:21:46 GMT

This is the first time it's shown up on one of mine. What's interesting is its the card I use the most. They gave me 500 today via pier1 robot lady and 600 via overstock luv button but want to make think twice about j crew lol.

Re: J Crew Credit Card- That Box Came up

ddemari — Fri, 11 Sep 2015 21:22:50 GMT

I'll have to actually remember to open up the letter from them and see what it says

Re: J Crew Credit Card- That Box Came up

pizza1 — Fri, 11 Sep 2015 21:26:18 GMT

@FinStar wrote:
@ddemari wrote:
I clicked it, declined a cli no pull. lol.
See! One more data point Wonder what your letter would say, if anything meaningful at all! I've never seen any of those boxes pop on mine btw.

Im sure itll be one of the usual "close your eyes, and pick one"...itll will stupid natually. Probally:

Not enough time at current limit (same limt for 5 yrs)

YOur balances on your non-mortagage loans are too high compared to your income (youre a millonaire)

account isnt eilgible (its been open for 5 yrs)

too many balances reporting (you have none)

too many recent inquiries (you have none for 2 yrs)

too many new accts (you last one was in 2000)

Shall I go on???? LMAO!!!!