topic Re: Express CLI in Credit Cards

Express CLI

MsLadyRover — Fri, 24 May 2013 14:13:39 GMT

So 4 months ago I requested an increase on my $500 Express card and it was declined reason being in their letter that "they want to see a consistent payment pattern with the existing limit before granting additional credit". At that time I had only made one $31 purchase when I first got the account last May and nothing more. So a few weeks ago, I made a $26 purchase and went online last night to pay it off. Decided to try again and boom...$300 increase. YAY!

So I guess two purchases both paid in full qualify for a "consistent payment pattern" with them. LOL!

Re: Express CLI

CreditJunkie917 — Fri, 24 May 2013 14:16:11 GMT

Nice! Congrats!

Re: Express CLI

youngandcreditwrthy — Fri, 24 May 2013 14:48:06 GMT

Congrats!!!!!:-):-):-)

Re: Express CLI

09Lexie — Fri, 24 May 2013 16:49:18 GMT

Congrats!

Re: Express CLI

LS2982 — Fri, 24 May 2013 16:53:05 GMT

CONGRATS!!!

Yea thats hilarious 2 payments is "consistant" lol

Re: Express CLI

injustifiiable — Fri, 24 May 2013 17:12:26 GMT

@MsLadyRover wrote:
So 4 months ago I requested an increase on my $500 Express card and it was declined reason being in their letter that "they want to see a consistent payment pattern with the existing limit before granting additional credit". At that time I had only made one $31 purchase when I first got the account last May and nothing more. So a few weeks ago, I made a $26 purchase and went online last night to pay it off. Decided to try again and boom...$300 increase. YAY!
So I guess two purchases both paid in full qualify for a "consistent payment pattern" with them. LOL!

I hate you...lol.

I've been buying/PIF on my Express card twice a month since December (with one month at zero balance) and I haven't gotten squat on CLI.

On the other hand, my J. Crew card got another $200 increase...and I've only used it three or four times since I got it in February. (I got the first CLI through the button in April)

Re: Express CLI

Anonymous — Fri, 24 May 2013 18:27:14 GMT

GE is much better at CLIs than CB.

Re: Express CLI

injustifiiable — Fri, 24 May 2013 18:57:09 GMT

@Anonymous wrote:
GE is much better at CLIs than CB.

I might pull the trigger on a GE card later this year when a couple more negatives fall off of TU. I figure when my negs get to half a page on my printed report, I might be okay. lol

Re: Express CLI

MsLadyRover — Fri, 24 May 2013 18:38:37 GMT

@injustifiiable wrote:
@MsLadyRover wrote:
So 4 months ago I requested an increase on my $500 Express card and it was declined reason being in their letter that "they want to see a consistent payment pattern with the existing limit before granting additional credit". At that time I had only made one $31 purchase when I first got the account last May and nothing more. So a few weeks ago, I made a $26 purchase and went online last night to pay it off. Decided to try again and boom...$300 increase. YAY!
So I guess two purchases both paid in full qualify for a "consistent payment pattern" with them. LOL!

I hate you...lol.

I've been buying/PIF on my Express card twice a month since December (with one month at zero balance) and I haven't gotten squat on CLI.

On the other hand, my J. Crew card got another $200 increase...and I've only used it three or four times since I got it in February. (I got the first CLI through the button in April)

Sometimes I don't understand the rhyme or reason for Comenity's increases. When I was initially denied for my Express increase in January, I had also requested an increase for my Pier 1 card on the same day. Approved with a $500 increase and I had only made one paid in full purchase on there also and had the card for less time than the express.

Re: Express CLI

MsLadyRover — Fri, 24 May 2013 18:39:04 GMT

Thanks everyone!

Re: Express CLI

injustifiiable — Fri, 24 May 2013 19:00:56 GMT

LOL.

I plan on clicking the button every month my J.Crew card since they seem to be giving increases like candy (at least until they say no!)....I only wish Express and my others (VS, King Size) were as consistent.

Re: Express CLI

MsLadyRover — Fri, 24 May 2013 19:12:50 GMT

I've had my J. Crew card for about a year and I have never even used it because it only has a $300 limit. What am I supposed to do with that when their cutest jeans cost about $170 and a shirt costs about $75? I can just forget about a blazer to go with it. LOL!!

I wonder what would happen if I click the LUV button. "Sorry ma'am. Use your account FIRST and then click again later!" LOL!!

Re: Express CLI

injustifiiable — Tue, 30 Jul 2013 14:59:52 GMT

@MsLadyRover wrote:
I've had my J. Crew card for about a year and I have never even used it because it only has a $300 limit. What am I supposed to do with that when their cutest jeans cost about $170 and a shirt costs about $75? I can just forget about a blazer to go with it. LOL!!
I wonder what would happen if I click the LUV button. "Sorry ma'am. Use your account FIRST and then click again later!" LOL!!

Hahah...I feel you...mine started at $250.

I'd try it...it's not gonna cost a pull if they say no (I don't think they even do a soft).

Re: Express CLI

MsLadyRover — Fri, 24 May 2013 20:01:15 GMT

LOL! Just for kicks, I'm going to try when I get home.

Will update everyone this evening.

Re: Express CLI

jennylocha — Fri, 24 May 2013 22:09:43 GMT

@MsLadyRover wrote:
So 4 months ago I requested an increase on my $500 Express card and it was declined reason being in their letter that "they want to see a consistent payment pattern with the existing limit before granting additional credit". At that time I had only made one $31 purchase when I first got the account last May and nothing more. So a few weeks ago, I made a $26 purchase and went online last night to pay it off. Decided to try again and boom...$300 increase. YAY!
So I guess two purchases both paid in full qualify for a "consistent payment pattern" with them. LOL!

The four month rule is generally for GE cards not Commenity Cards. Commenity usually will tell you to wait at least 9 months. At least thats what I have been seeing on here and my own personal experience rings true too.

Re: Express CLI

BearsAndTurtlesRtheBest — Fri, 24 May 2013 22:13:43 GMT

GE is easy to follow their pattern. Commenity seems to complicated when it comes to cli hahha.

Re: Express CLI

MsLadyRover — Sat, 25 May 2013 00:48:07 GMT

Update Everyone!

LOL! This is so funny because I had to create an online account so that I could request an increase on the J. Crew card since I have never used it. As a matter of fact, I had to retrieve the card from my file to create the account and it was still in the envelope glued to the letter that it came with.

I set up the account and clicked the LUV button and boom...Increase approved for $300. LOL!! So now my limit is $600. I think I will buy something now.

Re: Express CLI

Anonymous — Sun, 26 May 2013 20:20:41 GMT

I have an express credit card & in my opinion it's never worth requesting a credit line increase. If you use the card heavily & always pay on time & more than a minimum you can expect a auto CLI every 3-6 months. I opened my account a little over a year ago, started with a $300 credit limit & have since received 2 auto CLI bringing me to $840 CL today. My VS Angel card has the same pattern started at $200 now up to $700. They seem to regularly review the accounts.

Re: Express CLI

myjourney — Sun, 26 May 2013 20:23:15 GMT

@MsLadyRover wrote:
So 4 months ago I requested an increase on my $500 Express card and it was declined reason being in their letter that "they want to see a consistent payment pattern with the existing limit before granting additional credit". At that time I had only made one $31 purchase when I first got the account last May and nothing more. So a few weeks ago, I made a $26 purchase and went online last night to pay it off. Decided to try again and boom...$300 increase. YAY!
So I guess two purchases both paid in full qualify for a "consistent payment pattern" with them. LOL!

Congrtas

Re: Express CLI

FocusedAndDetermined — Sun, 26 May 2013 21:03:30 GMT

Congrats!