topic Re: Question about Overstock store card in Credit Cards

Question about Overstock store card

CountryLivin — Tue, 04 Sep 2018 02:59:35 GMT

I have had my Overstock store card for almost 4 years now....It had a SL of $250 and now it is at $2450. I have used this card a lot....furniture and some big purchases.....never late and it has grown nicely. I was going to hit the request credit increase button to see if I can get an increase, as I see an item I am wanting and it is at $3000 before my coupon.....the coupon works and it is going to take 21% off. When I hit the button, it no says "Please note we may need to access your credit report when considering your request. By submitting this request, you grant us permission to do so." Has anyone tried getting a CLI on their Comenity cards and gotten this message? Did you get a hard pull?

I have the Club O Mastercard also, but my limit is better on the store card, plus I get 24 months to pay it with the store card before having to pay any interest.

Re: Question about Overstock store card

Anonymous — Tue, 04 Sep 2018 03:27:24 GMT

i got my wifes overstock upto 8k and she never got a hp it has the same wording in her account

Re: Question about Overstock store card

CountryLivin — Tue, 04 Sep 2018 03:31:20 GMT

@Anonymous wrote:
i got my wifes overstock upto 8k and she never got a hp it has the same wording in her account

I have a lot of Comenity cards...14 of them and I use them frequently....the oldest ones being almost 4 years old and the newest one being about 9-10 months old....so I am kind of scared to click on that, cause if they do a HP, it might make them decide to close my accounts. Is it better to do it over the phone? And if so, what number do I call?

Re: Question about Overstock store card

CountryLivin — Tue, 04 Sep 2018 03:43:38 GMT

I found the number and was turned down by the Robo lady. But I felt better then checking a box saying it was OK for a HP.

Re: Question about Overstock store card

Loquat — Tue, 04 Sep 2018 11:21:01 GMT

@CountryLivin wrote:
@Anonymous wrote:
i got my wifes overstock upto 8k and she never got a hp it has the same wording in her account
I have a lot of Comenity cards...14 of them and I use them frequently....the oldest ones being almost 4 years old and the newest one being about 9-10 months old....so I am kind of scared to click on that, cause if they do a HP, it might make them decide to close my accounts. Is it better to do it over the phone? And if so, what number do I call?

Glad to hear you didn't get an HP. With 14 card with one lender I'd be afraid to ask for a CLI via HP or SP as I just wouldn't want to draw any unnecessary attention to myself.

Re: Question about Overstock store card

AverageJoesCredit — Tue, 04 Sep 2018 12:10:37 GMT

+1 Loquat

Plus be careful if some of those are re Visas snd Mastercards. They seem to get more scrutiny.

Re: Question about Overstock store card

Anonymous — Tue, 04 Sep 2018 13:02:43 GMT

Concur. If I do ever go for that BJ's MasterCard, and get approved, I'll probably close my Overstock store card then, just so I don't emulate the famous Japanese proverb about the nail. Though, that being said, for the most part - there are always exceptions - Comenity's infamous skittishness applies to cases where the accountholder has a LOT of cards with them (like the OP with 14), particularly SCT cards. One each store and major probably wouldn't trigger them, but why borrow unneccessary trouble?

Re: Question about Overstock store card

kberly69 — Tue, 04 Sep 2018 22:32:32 GMT

Oooh! I'm glad I read this and thanks for posting. I didn't even notice they got rid of the checkbox to allow them the option of a hard pull. Guess I will be happy with my limit as is. Just checked and it's the same on my Ulta card. Ah well, it was a nice run.

Re: Question about Overstock store card

Anonymous — Wed, 05 Sep 2018 01:45:22 GMT

I have two co-branded cards from Comenity Capital Bank. I get CLIs every four months and 1 day like clock work. I would never check the box giving them permission to potentially give me a HP though.

I had 12 Comenity cards during the SCT craze. My next CLI is set for 14 days from now but I think I'm going to try the 6 month scenario to see if they give me double what they do under the 4 month and 1 day schedule. I'm trying to break the $10k level on the other card and my usual CLI would keep me just shy of that amount.

Re: Question about Overstock store card

kberly69 — Wed, 05 Sep 2018 02:32:51 GMT

The box is gone. There's no longer the choice to opt out of a potential hp

Re: Question about Overstock store card

Anonymous — Wed, 05 Sep 2018 03:25:05 GMT

@kberly69 wrote:
The box is gone. There's no longer the choice to opt out of a potential hp

I haven't tried in 2 months. Just checked and it looks like the gravy train is over. Was scared to simply hit the credit limit increase request button. I did this with Citi last week, x'ed off the page and was still sent an email saying they could not grant me an increase at this time.

Re: Question about Overstock store card

SweetCreditObsession — Wed, 05 Sep 2018 07:14:01 GMT

I'm not getting HPs. First I do it online...get the increase and then call the automated line for another increase. Best wishes.

Re: Question about Overstock store card

Anonymous — Wed, 05 Sep 2018 13:03:22 GMT

Since I got my last CLI in July, I'm not sure whether I should hit the button this month - I just BT'ed the card (and paid it off) so it's possible there may be some money on the table when the statement cuts.

Re: Question about Overstock store card

SweetCreditObsession — Wed, 05 Sep 2018 15:28:40 GMT

I wouldn't hesitate to call in if you're worried about a HP.

Re: Question about Overstock store card

Anonymous — Wed, 05 Sep 2018 16:38:16 GMT

My overstock is at $22,800. I hit the love button every month for the last 6-8 months almost always get a $2,000 CLI. I have never had an HP. The last increase was yesterday.

Re: Question about Overstock store card

Anonymous — Wed, 05 Sep 2018 16:52:23 GMT

Decided to check to see if anything was available, and presto! Another $1,500 CLI, bringing this card to $10,300 - which makes it my 3rd card with a $10K+ CL. No sign of a HP.