topic Re: Comenity CLI thread in Credit Cards

Comenity CLI thread

Anonymous — Fri, 23 May 2014 05:05:27 GMT

Hi all.

Based on the fantastic advice of this board, I was introduced to the shopping cart trick. I went a little nuts and ended up with a slew of Comenity cards. Only J.Crew has given any LUV so far, and I've been hitting the button every few weeks on the cards.

Wondering if people can report any cli received from Comenity, and also indicate how long you had the card, original balance and cli amount, as well as usage. Also, was it auto luv or did you hit the button or ask another way?

Here's what I've got:

Jessica London - 12/13 $250 - used twice, I believe
Woman Within - 12/13 $250 - used one on JL site
Express - 12/13 $250 - used once

Romans - 1/14 $500 - used once

OneStopPlus - 1/14 - $500 - used twice

Loft - 1/14 $250 - never used

Sportsman's Guide Visa 5/14 $3k - never used

J.Crew 5/14 $750 (instant cli $1,150.00) - used once

If I don't get some luv on WW, Express, and Loft soon, I'm eliminating those since I don't use them really and was just using them to grown my util. Now I have "real" cards, I can trim down.

Eager to hear other experiences and tricks. Anyone get luv as a "save" tactic when threatening to close the account? Anyone call in?

Re: Comenity CLI thread

Skye12329 — Fri, 23 May 2014 05:54:15 GMT

Well it doesnt look super good if your hitting the button every few weeks. Generally lenders wont give increases unless its been 6 mos. Since last increase or opening. Another issue might be use. Lenders like to see their cards being used. Like once a month or so. I suggest use the cards a little more then ask. You could try calling them.

Re: Comenity CLI thread

Anonymous — Fri, 23 May 2014 06:06:02 GMT

I should clarify. I've been alternating hitting the button on various of these cards, not all. Mostly to see what happens. But it's Comenity, and all SPs. That doesn't seem to affect increases from what I've heard on here. Seems like the only one that really increases is J.Crew and maybe VS, until after 7-9 months.

Re: Comenity CLI thread

Anonymous — Fri, 23 May 2014 14:18:48 GMT

@Skye12329 wrote:
Well it doesnt look super good if your hitting the button every few weeks. Generally lenders wont give increases unless its been 6 mos. Since last increase or opening. Another issue might be use. Lenders like to see their cards being used. Like once a month or so. I suggest use the cards a little more then ask. You could try calling them.

Well for Commenity I went from 1250 ti 4800 ushing the love button multiple times in one day and so have others, this is the Ceasars Entertainment Total Rewards Visa Card

Re: Comenity CLI thread

Anonymous — Sat, 24 May 2014 03:33:24 GMT

John398,

Did you get the card with an app, or shopping cart trick? How long have you had it?

Re: Comenity CLI thread

Anonymous — Tue, 27 May 2014 14:47:42 GMT

@Anonymous wrote:
John398,

Did you get the card with an app, or shopping cart trick? How long have you had it?

I appliesd a couple of times without the pop up was not approved, than got the popup and was approved, I have had the card since October

Re: Comenity CLI thread

kroberts67 — Tue, 27 May 2014 15:11:10 GMT

Victoria's Secret: +200 11/13/13,+300 3/7/14 (now 750)

JC Crew: +2 6/20/13,+2 7/24/13,+2 8/25/13,+2 9/26/13,+3 2/21/14,+4 5/21/14 (now 1800)

EXPRESS: +250 5/8/13,+200 9/15/13,+200 1/17/14,+400 5/21/14 (now 1000)

I use Express every 2-3 mos. I use VS every 3-4 mos. I haven't used J Crew since before xmas and they just gave me another 400; that's a card I'm considering closing as I hardly use it. I don't like paying $30 for a pair of socks!

They aren't 3-month CLI clockwork for me. Each card is pretty different in timing of CLI's. I've only gotten them thru the luv button, I've never tried calling. I didn't get my first CLI from VS for about a year, although j Crew gave me CLI's each month until I hit over 1000 and now they're every 3-6 mos. Express is more clockwork and once it was even an auto CLI.

Re: Comenity CLI thread

PlasticOrPlastic — Tue, 27 May 2014 15:30:40 GMT

I opened my Express card back in January of this year, I try the luv botton every month but never get anything ($250 CL). I'm not to shocked considering I haven't used the card in almost 5 months. End of summer will probably be the end of Express card, doesn't offer much so when I do shop there I'll probably just use a rewards card anyway.

Re: Comenity CLI thread

amberlyth — Fri, 30 May 2014 00:29:40 GMT

All of my Comenity cards have automatically increased with the 7th statement so far. The $250 starting limits went to $550 or $650. Victoria's Secret went from $500 to $700 and HSN went from $500 to 1200.

Re: Comenity CLI thread

SunriseEarth — Fri, 30 May 2014 02:39:07 GMT

I have two Comenity store cards. Both just hit the 9 month mark this week, both finally had CLI through LUV button this week.

VS - Opened 8/25/13, initial CL $250. CLI to $550 on 5/26

Gold Violin - Opened 8/29/13, initial CL $250. CLI to $550 on 5/29.

Re: Comenity CLI thread

SusieQ — Sun, 03 Aug 2014 09:18:08 GMT

Used the luv button tonight:

J.Jill - 500 to 700

BrylaneHome - 700 to 900

HSN - 820 to 1020

Catherine - 300 to 500

Small victories, but nonetheless victories. 800 total will help utilization since all 4 above currently have 0 balances.

Re: Comenity CLI thread

ChopperED — Sun, 03 Aug 2014 14:45:58 GMT

Holy schnikes! Used the LUV botton too today!

J.Crew and Express -$250 CLI $450

Dress Barn - $750 CLI $950

Re: Comenity CLI thread

destine2grow — Sun, 03 Aug 2014 14:59:27 GMT

I only have the VS card and have had it for only one month. I would like to get the express card. I will wait until dec or next year. I purchase all my jeans from express. I am hoping if I use the card and carry a small balance ( no more than $30 or less) to see if I can get a CLI before the 7-9mth mark. We shall see.

Re: Comenity CLI thread

Swapmeet — Sun, 03 Aug 2014 16:10:05 GMT

On my Sportsman's guide Visa (my only shopping cart trick card), I had it for around 6 months--hitting the luv button about 3 times during that clip. The luv button finally came through with a small cli, and when it did it said at the bottom "if this cl is not sufficient call 800....." So I called to ask for more. The csr was kind of an A-hole to me, and he declined it citing the fact that I had just gotten one. I explained that it said to call if it wasn't sufficient, and he said "and now you've done that and it is denying you that because you just got one." To which I responded: "why would it tell me to call if it wasn't sufficient, then deny me because it wasn't sufficient?" I don't even remember what he said, but I was pissed. I did not escalate it or anything because I rarely use the thing and never let it report a balance when I do. Anyway, a couple days later--perhaps even the same day, I get an email asking for me to complete a survey, which I obliged. Of course I wasn't very satisfied, and my survey reflected that. A couple days later, I get a call from (I want to say the EO) SGV in response to my survey. I explained my experience and she empathized, apologized, and said she would look into it and call me back--asking how much of a cli I had asked for. My limit was 6k and so I told her that I wanted 11.5k. She called back like an hour later and said it was approved with just a SP. I thanked her for caring and for her diligence.