topic Re: Comenity CLI 'pattern'? in Credit Cards

Comenity CLI 'pattern'?

Anonymous — Mon, 11 Jan 2016 03:18:14 GMT

So - I'm curious if anyone else has experienced this ... it *seems* that perhaps the Comenity cards that I have (J Crew and Overstock) that I log in with the d.comenity site are on a monthly CLI schedule, while the card that I have that I log in with the c.comenity (VS) is on *at least* a 2 month schedule... has anyone else noticed this??

Thanks!

Re: Comenity CLI 'pattern'?

Anonymous — Mon, 11 Jan 2016 03:25:17 GMT

The only pattern I've noticed, is them always telling me NO!!

Re: Comenity CLI 'pattern'?

FinStar — Mon, 11 Jan 2016 03:38:05 GMT

OP - it's doubtful the domain and URL have anything to do with a CLI "pattern". While each Comenity partner program may have some similarities with granting CLI requests, it's mostly based on the individual's profile and whether the account is eligible.

Re: Comenity CLI 'pattern'?

Anonymous — Mon, 11 Jan 2016 03:39:27 GMT

Re: Comenity CLI 'pattern'?

crrredit — Mon, 11 Jan 2016 03:42:18 GMT

My Overstock is on the every 2 months plan, which is opposite of your pattern.

Re: Comenity CLI 'pattern'?

elim — Mon, 11 Jan 2016 03:52:02 GMT

I only have Overstock and for about 8 months I set the calender on my phone for the 15th of every month. On the 14th I got no luv... On the 15th they gave me a $300 or $400 increase. Lately.... I get nothing (well not for awhile. I got $400 yesterday, lol) So yes... To me there is a pattern to OS.

The GF only has VS and that card can't get anything.

Re: Comenity CLI 'pattern'?

Anonymous — Mon, 11 Jan 2016 04:22:09 GMT

@FinStar wrote:
OP - it's doubtful the domain and URL have anything to do with a CLI "pattern". While each Comenity partner program may have some similarities with granting CLI requests, it's mostly based on the individual's profile and whether the account is eligible.

Yeah, I really wasn't meaning that the domain, in and of itself, was making a difference - rather, I was wondering if (perhaps) the variance for the domain might have been *tied to* some sort of pattern. Certainly, this is all supposition, based on my personal experience ... was just trying to see if anyone else had experienced this 'pattern' (for lack of a better word). And, of course, with only 3 cards to use as a baseline, I don't have enough personal information to truly draw this conclusion - hence the asking of other's experience.

And, certainly - it would be based on an individual's profile; however, I do have only one profile - yet, have different experiences.. so, account eligibility is the remaining factor - which, again, I was wondering if might be somehow be tied to the varying domains...

Obviously, all just a 'question' ... I just found my personal experience to be interesting and wondered what others had experienced.

Thanks!!!

Re: Comenity CLI 'pattern'?

Anonymous — Mon, 11 Jan 2016 04:24:15 GMT

@crrredit wrote:
My Overstock is on the every 2 months plan, which is opposite of your pattern.

Well... there goes that theory... lol

Re: Comenity CLI 'pattern'?

Anonymous — Mon, 11 Jan 2016 04:50:35 GMT

I only have one of those cards, the Overstock.

Up until November, I could get a CLi of 400 every month. I was denied in November and I am thinking I will hit the Luv Button again after 61 days from the denial.

I have read that VS is pretty difficult to get a CLI from.

My DW has a Woman Within CC from Comenity and has been denied for a CLI from the Luv button three times. I am encouraging her to try again now that is 7 months from opening the account.

I am in agreement that each of the Comenity CCs has its own 'personality' you have to consider when asking for a CLI, as well as your own credit profile.

HTH

Re: Comenity CLI 'pattern'?

bodyboy1 — Mon, 11 Jan 2016 05:50:32 GMT

@Anonymous wrote:
So - I'm curious if anyone else has experienced this ... it *seems* that perhaps the Comenity cards that I have (J Crew and Overstock) that I log in with the d.comenity site are on a monthly CLI schedule, while the card that I have that I log in with the c.comenity (VS) is on *at least* a 2 month schedule... has anyone else noticed this??

Thanks!

> Question> Why do u request every Month? or every 2 Months? do u use the cards>?

Re: Comenity CLI 'pattern'?

B335is — Mon, 11 Jan 2016 05:54:17 GMT

They're all different. Even J Crew isn't a given for monthly CLI.

Re: Comenity CLI 'pattern'?

smoop88 — Mon, 11 Jan 2016 06:14:52 GMT

I got overstock in december of 2015 hit the luv button after approval went from $250 to $450, a week ago i hit the luv button nothing yesterday i hit it and went from $450-650. I also have Abercrombie and that has yet to see an increase.

Re: Comenity CLI 'pattern'?

bodyboy1 — Mon, 11 Jan 2016 06:26:17 GMT

@smoop88 wrote:
I got overstock in december of 2015 hit the luv button after approval went from $250 to $450, a week ago i hit the luv button nothing yesterday i hit it and went from $450-650. I also have Abercrombie and that has yet to see an increase.

> Did u app for abercrombie or (SCT)?

Re: Comenity CLI 'pattern'?

FinStar — Mon, 11 Jan 2016 06:46:11 GMT

Abercrombie is not available through SCT. You have to apply for it directly and it is HP.

Re: Comenity CLI 'pattern'?

bodyboy1 — Mon, 11 Jan 2016 06:59:47 GMT

@FinStar wrote:
Abercrombie is not available through SCT. You have to apply for it directly and it is HP.

Thank u finstar.. i will stop trying

Re: Comenity CLI 'pattern'?

FinStar — Mon, 11 Jan 2016 07:06:25 GMT

You're welcome bodyboy. Just FYI, this is one of the odd ones as far as Comenity goes and the slowest to grow. Can't recall if this card would even go beyond $5K for the average individual.

Re: Comenity CLI 'pattern'?

bodyboy1 — Mon, 11 Jan 2016 08:26:26 GMT

@FinStar wrote:
You're welcome bodyboy. Just FYI, this is one of the odd ones as far as Comenity goes and the slowest to grow. Can't recall if this card would even go beyond $5K for the average individual.

> thanks for the info finstar.. the funny thing is.. i live in these sweats, Wearing a More Exspensive (Barneys "Warehouse" sweatpant tonight) & i do Massage therapy so i work, play.. lounge & sleep In diff Abercrombie clothes & i wear the underwear too, love the soft feel of cotton & i can do casual a lott of time, in short i love Abercrombie, it would get a lot of use.. just don't want to app

Re: Comenity CLI 'pattern'?

crrredit — Mon, 11 Jan 2016 14:06:35 GMT

@bodyboy1 wrote:
@Anonymous wrote:
So - I'm curious if anyone else has experienced this ... it *seems* that perhaps the Comenity cards that I have (J Crew and Overstock) that I log in with the d.comenity site are on a monthly CLI schedule, while the card that I have that I log in with the c.comenity (VS) is on *at least* a 2 month schedule... has anyone else noticed this??

Thanks!
> Question> Why do u request every Month? or every 2 Months? do u use the cards>?

I started doing it because I have been rebuilding my credit and needed to increase my available credit limits as part of that process. I also used the card quite a bit because I moved and needed furniture, etc.

Re: Comenity CLI 'pattern'?

takeshi74 — Mon, 11 Jan 2016 14:40:09 GMT

@Anonymous wrote:
And, certainly - it would be based on an individual's profile; however, I do have only one profile - yet, have different experiences.. so, account eligibility is the remaining factor - which, again, I was wondering if might be somehow be tied to the varying domains...

Credit profile and income are always the biggest factors with any creditor.

Re: Comenity CLI 'pattern'?

sgs71 — Mon, 11 Jan 2016 15:16:28 GMT

I'm done hitting the luv button on comenity....everytime I get hit with a HP. I have a few from the SCT, I'm going to start closing them. I regret getting them other than my Buckle, VS and Overstock...