topic Re: Commenity and CLI increases in Credit Cards

Commenity and CLI increases

reneasworld — Sat, 04 Oct 2014 05:17:11 GMT

I have recently received several Commenity cards and am wondering what is the average for CLIs? I know some people receive an immediate increase but for those who have not, how long before they gave you increase? What is the normal amount of increase? Has someone had a better systems to increase their CLI with Commenity?

Re: Commenity and CLI increases

Anonymous — Sat, 04 Oct 2014 05:19:06 GMT

@reneasworld wrote:
I have recently received several Commenity cards and am wondering what is the average for CLIs? I know some people receive an immediate increase but for those who have not, how long before they gave you increase? What is the normal amount of increase? Has someone had a better systems to increase their CLI with Commenity?

Try hitting the button monthly, especially if your credit is improving.

Re: Commenity and CLI increases

Scott_S — Sat, 04 Oct 2014 05:35:24 GMT

Although some people post they recieve increases immediately after being approved. Some post they recieve increases after 3-4 months after opening the account. But for the rest of us, 9 months is the magic number.

Re: Commenity and CLI increases

reneasworld — Sat, 04 Oct 2014 05:52:00 GMT

@Scott_S wrote:
Although some people post they recieve increases immediately after being approved. Some post they recieve increases after 3-4 months after opening the account. But for the rest of us, 9 months is the magic number.

Thanks so much for the info! I was in the garden and it was my birthday and applied for a macy's card (HP) and decided to go for some soft pulls so that if I received new credit the AAOA would age at the same time instead of being staggered. I am probably going back to the garden after today but wanted to see bigger limits on my credit cards. I do not have any installment loans and am thinking about purchasing a new car in about a year and the few derogs I had left should be falling off between now and March. I was hoping that maybe I would see increases at the same time.

Re: Commenity and CLI increases

Anonymous — Mon, 10 Nov 2014 05:41:18 GMT

@reneasworld wrote:

I am probably going back to the garden after today but wanted to see bigger limits on my credit cards. I do not have any installment loans and am thinking about purchasing a new car in about a year and the few derogs I had left should be falling off between now and March. I was hoping that maybe I would see increases at the same time.

Some of the Commenity cards are more generous than others. Depending on the card, the CLI button might work right away.

J Crew and Overstock cards worked for me right away on CLI

None of the others did.

If you want a nice way of getting an "installment" loan on your credit, apply for a $500 Share Secured Loan from Alliant for 60 months.

Average Commenity CL was $250 for me.

Ann Taylor, Victoria Secrets, Brylane Homes and Overstock were more generous.

Re: Commenity and CLI increases

dize — Mon, 10 Nov 2014 05:50:06 GMT

I have J crew and Total Rewards. On J crew I get CLI's basically every time I use it and make a payment. I got one on total rewards after 4 months.

Re: Commenity and CLI increases

SunriseEarth — Mon, 10 Nov 2014 09:08:28 GMT

@reneasworld wrote:
I have recently received several Commenity cards and am wondering what is the average for CLIs? I know some people receive an immediate increase but for those who have not, how long before they gave you increase? What is the normal amount of increase? Has someone had a better systems to increase their CLI with Commenity?

It varies with each Comenity product. Some (like J.Crew) offer CLIs right away. Others (VS, frequently) take the full 9 months for initial CLI. My VS and Gold Violin cards took 9 months for the first initial CLI, and then I was able to get a second CLI on both in <3 months. But, as some have suggested, there's no harm in trying monthly, since CLIs are SP.

Re: Commenity and CLI increases

BeeH11 — Tue, 11 Nov 2014 01:55:00 GMT

I have 3 cards with them. I never ask for CLI but the give me them every few months. Typically, I run up the limit and them pay it off. There have been many times when I have run up close to my limit and then paid it off, they have given me a CLI.

However, I did notice, I think in August, they CLD my Express account $200 and then they CLI my Victoria Secret account $200. (I never get anywhere near my $2100 CL on my Express card anyway. This was the 1st CC I ever had and it started at $150 limit but I don't think it was Cemmenity back then.)

Re: Commenity and CLI increases

FinStar — Tue, 11 Nov 2014 02:00:19 GMT

@BeeH11 wrote:
I have 3 cards with them. I never ask for CLI but the give me them every few months. Typically, I run up the limit and them pay it off. There have been many times when I have run up close to my limit and then paid it off, they have given me a CLI.
However, I did notice, I think in August, they CLD my Express account $200 and then they CLI my Victoria Secret account $200. (I never get anywhere near my $2100 CL on my Express card anyway. This was the 1st CC I ever had and it started at $150 limit but I don't think it was Cemmenity back then.)

It's always been the same lender, just a restructuring and re-branding of the bank. It was World Financial Network National Bank, then WFNB, and now Comenity. Did you ever ask why your EXP and VS CLs were lowered? Did you use them with frequency?

Re: Commenity and CLI increases

BeeH11 — Tue, 11 Nov 2014 02:14:56 GMT

They only ever CLD my Express card and it was just that 1 time this past August. I wasn't clear before, they CLI that $200 onto my VS card.

I never asked why b/c I never go that high on my Express card (and didn't really care either). I used to use my Express card A LOT. At 1 time, 90% of my wardrobe was Express. I haven't been using the Express card much b/c I am less and less impressed with Express's clothing the last couple of years (the quality) and they keep jacking up the prices. I really haven't shopped there much in the last year so I guess they figured I didn't need that high limit on that card and would move it over to the VS card which I use more often.

Re: Commenity and CLI increases

reneasworld — Tue, 11 Nov 2014 04:54:42 GMT

@Anonymous wrote:

@reneasworld wrote:
I am probably going back to the garden after today but wanted to see bigger limits on my credit cards. I do not have any installment loans and am thinking about purchasing a new car in about a year and the few derogs I had left should be falling off between now and March. I was hoping that maybe I would see increases at the same time.
Some of the Commenity cards are more generous than others. Depending on the card, the CLI button might work right away.

J Crew and Overstock cards worked for me right away on CLI

None of the others did.

If you want a nice way of getting an "installment" loan on your credit, apply for a $500 Share Secured Loan from Alliant for 60 months.

Average Commenity CL was $250 for me.

Ann Taylor, Victoria Secrets, Brylane Homes and Overstock were more generous.

It varied for me, I received some $500, $350 or $250, an even distribution of each. I will think about that installment option but I am trying to garden right now maybe when I come out in March I have attempted on a couple and they tell me they are waiting to see how I pay but I am sure since I opened so many at one time they are waiting so I will wait it out until the beginning of the year or even around March when I may or may not come out of the garden. lol

Re: Commenity and CLI increases

chalupaman — Tue, 11 Nov 2014 04:56:40 GMT

I don't have any other Comenity accounts besides my hidden TLs so I don't even know if they do CLIs on those or not. I heard that for Paypal Credit if you buy something over the limit, they can determine if I would be eligible for an increase then or something.