COMENITY CLI WOES

[SUPERSQUID]

i have 2 cards with comenity since sep 2020. Ikea 550 cl and big lots 750 cl. i used the ikea card once to buy a table and paid it off in 2 months time. the big lots card i always used quite a bit because of the generous discount coupons, low prices, and veteran discount of 10 percent on top of the savings. i usually kept a balance of anywhere between 75-250. last month i pushed the cli button and was denied for multiple reasons including the bk7 on my report that was discharged 12/2019. the same day target and kohls gave me a cli. i applied for a comenity mastercard a few months ago and was denied on a hard pull, they probably used that info to deny my cli since the denial was a soft pull.

Anyway i decided to just pay down my big lots card and sock draw it. my balance is 27 bucks. last night comenity has the nerve to send me an email reminding me of my available credit, insert expletive here.

[coreyb80]

I feel your pain OP.  I have a VS card I've had since 2018.  I tell my ole lady to use it for whatever she wants.   Limit is only $250.  Anytime I ask for a CLI I get denied.

[jmw1]

I applied for the Ikea card at the same time as you and got the same 550 credit limit. The difference is I sock drawered the card a week after I made an initial purchase of $5.

I pressed the CLI button today and got boosted to $3550. Non-discharged BK13 less than 2 years. I show zero balances on everything except on a Visa for $10 balance / $500 limit (AZEO). You have way more in total credit lines than I do. 

Hopefully this data point helps you.

[SUPERSQUID]

Thanks for the info. my income dropped substantially in 2017 from 100k plus to mid 30's due to becoming permanently disabled and forced out of my career by my employer and my union of 40 years could do nothing about it. i hung on for 2 years and finally filed bk7 in 2019, discharged 12/2019. I paid a comenity acct for 4k before i filed. your income is probably a lot higher than mine. i dont want to apply for any new cards or cli's until after jan when i plan to apply for an nfcu card. i will be 2 years post bk at that point.

[lgtwriter]

@SUPERSQUID  have you updated your income with Comenity? That decrease in income would lead to not getting increases for awhile if you let them know about it in my opinion.

[SUPERSQUID]

I will try another cli after i app a nfcu card in january, next time i will update my income

[SUPERSQUID]

Oops, I read that message wrong. commenity knows what my income is now. before i filed bk7 my income was 100k plus but i paid off the acct i had with them for 4k before i filed, bk7 disch 12/2019.

i didnt get big lots or ikea until sep 2020 so my income is correct with them, no drop of income on these 2 accts.

[SUPERSQUID]

Heres the bizzarre ending to this story. Out of the clear blue sky comenity sends me a preapproved mailer for a comenity rewards mastercard with a 100 sub if you spend 500 in 90 days, also the card gives 1.5 cb on any purchase. 1000 sl tho.

I took the offer and they are sending the card. when i get the card i'm closing the big lots card.