topic Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card) in General Credit Topics

ALERT: Comenity - HP for CLI (IKEA Projekt Card)

AlanGJP — Fri, 30 Sep 2022 20:49:35 GMT

I'm not sure if this is a change that happened recently or what, but Comenity just did a EQ HP a day after approving me for a CLI. ($24K -> $27K) 17 hours after approval.

I've requested (and been approved) quite a few times before now. I guess this is a heads up for those of you that are considering a CLI. I'm going to be laying off requesting from here on out. These cards are NOT worth a HP to me.

I'm not sure if this was due to the amount, or if this is now standard. Anyone else want to waste a HP to find out?

Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card)

AlanGJP — Fri, 30 Sep 2022 20:51:21 GMT

Before today, ALL Comenity CLI requests have been SPs for me.

Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card)

CYBERSAM — Fri, 30 Sep 2022 20:53:35 GMT

unfortunately as of this week there has been some reports of HP for CLI with them! I think its a bad move given they have so many store cards! Hopefully we can find a work around...

Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card)

AlanGJP — Fri, 30 Sep 2022 22:35:46 GMT

Yeah... I'm not doing CLIs with them until I reach my card goals and close on a home next year. (Chase / Citi) I absolutely wouldn't have done a CLI yesterday had I known.

I guess chalk that up to my own stupidity in not checking here first. I wish they'd have some wording letting me know before hand. :/ Oh well.

At least it hit EQ and not EX... Still sucks.

Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card)

SweetCreditObsession — Fri, 30 Sep 2022 22:23:19 GMT

@AlanGJP, I had not heard of this but appreciate you giving a heads up. I'm sorry about the unexpected HP and offer my best wishes on the house!

Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card)

AlanGJP — Fri, 30 Sep 2022 22:36:45 GMT

@SweetCreditObsession wrote:
@AlanGJP, I had not heard of this but appreciate you giving a heads up. I'm sorry about the unexpected HP and offer my best wishes on the house!

I hadn't either. I'll be checking before requesting from now on.

House is still about a year off, but thank you. (Waiting on prices to ease up a bit)

Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card)

M_Smart007 — Fri, 30 Sep 2022 22:59:48 GMT

@AlanGJP, Not exactly your card, but a DP on Comenity HP

Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card)

AlanGJP — Fri, 30 Sep 2022 23:16:21 GMT

@M_Smart007 wrote:
@AlanGJP, Not exactly your card, but a DP on Comenity HP

That would have been great if I'd seen it yesterday . So another DP... I did a CLI on Good Sam (DW too - no HP) last week and received a SP... So apparently it's not for all cards. Might be some upper limit that triggers it?

Re: ALERT: Comenity - HP for CLI (IKEA Projekt Card)

OmarGB9 — Sat, 01 Oct 2022 05:33:05 GMT

Yes, it seems Comenity may be starting to HP for CLIs, though there's been mixed results with that. Some have reported HPs, while others have said it was only SP. No clear pattern yet.