topic Re: Comenity CLIs in Credit Cards

Comenity CLIs

krmurrayjr10 — Tue, 16 May 2017 17:11:44 GMT

Has anyone ever figured out the science behind, or a strategy for, Comenity's cards?

I've had a couple of the store cards for a few years now and have received multiple CLIs on them, in most cases auto CLIs. Since some number of months had passed since the most recent CLI, I hit the love button on one of them and received the 7-10 day message, so I knew I was out of luck. Yesterday, the letter came in the mail telling me "no" and citing age of accounts and utilization as the reasons. I use the cards only occasionally, so I didn't really care.

Today I received an e-mail from Comenity telling me they had just upped the limit on that very same card by $250.

Strange. I'll take it, but the whole process has always seemed very random with them...

Re: Comenity CLIs

Anonymous — Tue, 16 May 2017 17:48:25 GMT

I've heard the trick is to click the LUV button on an odd numbered second but never on an even numbered day and only if you've not clicked it before on an odd numbered day with an even numbered second and to make sure you gently click the mouse button when you do it.

Lol, kidding -- there is no general rule for Comenity since they have MANY tiers of credit behind all the same face of the cards. One person's VS card is internally scored as "super subprime" whereas another person's VS card is internally scored as "give them more". We have no idea what we are scored on their internal systems.

Your soft pull probably matters a lot -- inquiries, AAoA, new accounts, utilization on one or all accounts, etc.

Re: Comenity CLIs

Shawndoe79 — Tue, 16 May 2017 18:05:47 GMT

i have been successful at requesting every 60 days like clockwork, they are always small 300-500 cli, except for jcrew, they can give out thousands every 60 days. My jcrew started at 550 a year ago and its at 12450 and its time for me to ask for another cli on the 22nd, but as always YMMV

Re: Comenity CLIs

jamesdwi — Wed, 17 May 2017 02:51:22 GMT

the lower end shopping cart type cards like womanwithin, roamans, kingsize direct, brylane home, takes 9 months before you can successfully request a CLI, and then every 90 days from then on typically $300 each, up untill the card is 3000. if you get lucky and get to $2900 and hit the love button, you will end up with a $3200 limit. The kingsize card will go to $4000.

That is my experience.

Re: Comenity CLIs

Anonymous — Wed, 17 May 2017 03:04:50 GMT

With Comenity Capital cards it is indeed 4 months and 1 day per CLI. I tried it a day early and got a 7 to 10 day message. Then I got my $1,000 increase on the exact schedule. Have no idea who figured that out to a science.

Re: Comenity CLIs

Anonymous — Wed, 17 May 2017 09:58:20 GMT

@Anonymous wrote:
With Comenity Capital cards it is indeed 4 months and 1 day per CLI. I tried it a day early and got a 7 to 10 day message. Then I got my $1,000 increase on the exact schedule. Have no idea who figured that out to a science.

I had it deny me early in the morning on two cards than give the credit increase that evening on the luv button.

Re: Comenity CLIs

Anonymous — Wed, 17 May 2017 12:24:14 GMT

I got 4 increases from Buckle after having the card 3 months, but nothing on it in almost a year.
At the 7 month mark I started getting increases on VS; have been getting $200 increase every 31 days since then.
Jcrew gave an increase on account setup and another $200 every 31 days including 2 months of 20X increase by logging out and back in

Re: Comenity CLIs

Anonymous — Fri, 26 May 2017 00:50:26 GMT

I just requested CLIs on a few of my Comenity cards. There must be something to the 4 month theory because I finally got a small CLI after 4 months from Overstock. I got a larger CLI from Williams-Sonoma and I've had them for 5 months.

The other two cards I got the dreaded 7-10 day response.

$250 to $450 on Overstock

$250 to $1,000 on Williams-Sonoma

Re: Comenity CLIs

Anonymous — Fri, 26 May 2017 00:55:38 GMT

I get an increase on my cards every 30 days. The luv button always get a denied for me. But if I call the Robolady she always comes throuogh for me.

Re: Comenity CLIs

Anonymous — Fri, 26 May 2017 05:52:09 GMT

@Anonymous wrote:
I get an increase on my cards every 30 days. The luv button always get a denied for me. But if I call the Robolady she always comes throuogh for me.

The Robolady? Is that the customer support IVR?

Re: Comenity CLIs

K-in-Boston — Fri, 26 May 2017 13:54:43 GMT

Seems to be all over the board. There are lots of people here with massive CLs on store cards and so-so credit. My only card with them is the BJ's Elite Perks WMC, opened in August. I asked for a CLI sometime in November and got the letter stating that the account was too new. Tried again by clicking the LUV button in December or January and they gave me $400 (starting line was $17k). Tried Robolady immediately after and no go. I tried Robolady and LUV button last month and got a pair of "you have received a recent credit line increase" letters. I'll try the Robolady again in July and hopefully I can get into that looping credit line increase (request, given, request again, given, rinse and repeat) cycle with her like so many here do with their store cards.

I also have a PayPal Credit account with them that I had completely forgotten about since it doesn't show on my reports and I had not used "Bill Me Later" in years. It's a super low (to me) hidden credit line ($900), and I have never tried to make a large purchase using it to trigger a CLI.

Re: Comenity CLIs

Anonymous — Fri, 26 May 2017 15:31:46 GMT

Call Number on back of card. When robolady comes on and asks what you want to do say "Credit Line Increase". I say no set amount. And I get a CLI once a month doing this. Some people report doing it repeatedly in a row. I have only done it once a month.

Re: Comenity CLIs

Anonymous — Fri, 26 May 2017 22:26:51 GMT

Be aware that Robolady can be a HP even if you don't ask for a specific CL amount. I got an HP and denial on my 31 day attempt on my WS store card.