topic Re: Comenity CLI - HP Now? in Credit Cards

Comenity CLI - HP Now?

B335is — Sun, 11 Oct 2015 23:32:19 GMT

I logged into a few of my Comenity accounts today. And after hitting the CLI button, it asks for the usual income, but it also has a box authorizing them to pull a credit report. Is this old news and I missed it?

Re: Comenity CLI - HP Now?

kdm31091 — Sun, 11 Oct 2015 23:34:05 GMT

@B335is wrote:
I logged into a few of my Comenity accounts today. And after hitting the CLI button, it asks for the usual income, but it also has a box authorizing them to pull a credit report. Is this old news and I missed it?

It's not brand new. There have been reports of it for awhile on various Comenity cards. They are not exclusively 100% SP anymore.

Re: Comenity CLI - HP Now?

Ysettle4 — Sun, 11 Oct 2015 23:35:59 GMT

Option is not present on my fuel rewards nor total rewards accounts

Re: Comenity CLI - HP Now?

B335is — Sun, 11 Oct 2015 23:36:46 GMT

Ok I just looked at JCtew and Marathon cards and it was there for both. It wasn't last week.

Re: Comenity CLI - HP Now?

pizza1 — Sun, 11 Oct 2015 23:38:32 GMT

B...its still SP...I hit them all the time and I've those boxes for awhile of some of mine, and I never get HP...

Re: Comenity CLI - HP Now?

B335is — Sun, 11 Oct 2015 23:55:28 GMT

Ok thanks pizza. I just checked a few more and the box is there for all of them.

Re: Comenity CLI - HP Now?

pizza1 — Mon, 12 Oct 2015 00:20:41 GMT

Its gonna be the new norm now...they will ask you to check the box, saying its ok for them to pull your credit...I always check it, LOL..But...if you're due for one, like this last round of CLI for me, I did it via auto lady. I only had one card crew, that said on the auto lady that they would need to pull my credit...the others didn't say that, and they had that box too online

Re: Comenity CLI - HP Now?

Anonymous — Mon, 12 Oct 2015 01:06:11 GMT

@B335is wrote:
Ok I just looked at JCtew and Marathon cards and it was there for both. It wasn't last week.

This is odd. I just checked JCrew and there is no checkbox, just a box for income.

Re: Comenity CLI - HP Now?

ddemari — Mon, 12 Oct 2015 15:35:17 GMT

That check box is there on my j crew card. It seems that my comenity CLI's have stopped. Can't get anymore on Overstock, J Crew, Barneys or Pier1 (phone line too)

Re: Comenity CLI - HP Now?

CreditCuriosity — Mon, 12 Oct 2015 15:44:07 GMT

@ddemari wrote:
That check box is there on my j crew card. It seems that my comenity CLI's have stopped. Can't get anymore on Overstock, J Crew, Barneys or Pier1 (phone line too)

Haven't had one in Jcrew in months probably 3-4 months and use it monthly.. Granted I am at 8850$ on my Jcrew card and that is plenty and I am guessing they think it is plenty as well.. Seems like JCREW well has possibly dried up for some after they hit a certain threshold? Have had card over a year and been along time since it have got a drop out of a CLI instant denials every time for last 3-4 months. No checkbox for me, but no love either.. Tomorrow will be my 4 months on my Total Rewards card, better see some love on that tomorrow when I hit the button, we shall see.. All bureaus are on ice to ensure no HP's happen as a CLI on any comenity card just isn't worth it for me. It use to seem everyone wanted a piece of my EXP report aka HP's, now appears lenders for me are going more for EQ and it is getting outta control, thus must throttle this and get inquires down on it.

Re: Comenity CLI - HP Now?

B335is — Mon, 12 Oct 2015 15:41:48 GMT

I'm kind of wondering if the box appears if you aren't due a CLI yet?

Re: Comenity CLI - HP Now?

CreditCuriosity — Mon, 12 Oct 2015 15:45:31 GMT

@B335is wrote:
I'm kind of wondering if the box appears if you aren't due a CLI yet?

Been a few months since I have seen them do a SP Account reviews on my on any CRA.. Seems like things might be changing with them, although obviously some people are getting CLI's still as can be seen in approvals section with large limits already.

Re: Comenity CLI - HP Now?

Anonymous — Mon, 12 Oct 2015 15:48:44 GMT

I requested a CLI on my 31 day old jcrew card about 1/2 hour ago - no checkbox for me. I've got alerts turned on and haven't seen any for a HP yet so I'm still assuming it's a SP unless I find out otherwise.

Re: Comenity CLI - HP Now?

Ron1 — Mon, 12 Oct 2015 15:58:39 GMT

I got that HP box last night for my Toyota Rewards Visa. I didn't go for it. I thought it was only for that card. I never got that before. It must be new.

Ron.

Re: Comenity CLI - HP Now?

bldmt — Sat, 17 Oct 2015 16:25:38 GMT

If the box is not there would it be a soft pull?

Re: Comenity CLI - HP Now?

Anonymous — Sat, 17 Oct 2015 16:27:14 GMT

@kdm31091 wrote:

It's not brand new. There have been reports of it for awhile on various Comenity cards. They are not exclusively 100% SP anymore.

Re: Comenity CLI - HP Now?

Creditaddict — Sat, 17 Oct 2015 17:14:56 GMT

Call the automated phone system... I have only had 1 account say over the automated system they wanted permission to pull credit but at one point all my Comenity accounts had the button online.

Re: Comenity CLI - HP Now?

Anonymous — Sat, 17 Oct 2015 21:09:42 GMT

Overstock did a sp And a hp the same day in June for a cli - and declined an increase. I still haven't gotten them to remove the Hp nor have I gotten an increase since. It makes NO sense. I haven't had issues with any other comenity account. Wayfair just approved me for $6k with a $400 bump after I set up the account. I constantly get pop ups for other cards but overstock remains a mystery.

I have said it before - comenity is very confusing!

Re: Comenity CLI - HP Now?

Creditaddict — Sat, 17 Oct 2015 21:21:50 GMT

That's how my orbitz