Comenity CLI HP/SP Data Points

[GApeachy]

Yeah, well....I'll just go to Lowes for the large purchases then.  Not gonna bother with cli, it can marinate.

[Anonymous]

Yep, getting two HPs with zero CLI from Citi for my Home Depot card is why I got a Lowe’s card. I go to Lowe’s for my needs now and stop at Home Depot for a Coke/paintbrush/box of Swiffer pads every few months to keep my card active.

[GApeachy]

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@Anonymous wrote:
Yep, getting two HPs with zero CLI from Citi for my Home Depot card is why I got a Lowe’s card. I go to Lowe’s for my needs now and stop at Home Depot for a Coke/paintbrush/box of Swiffer pads every few months to keep my card active.

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Yep, they could have gotten HD a sale but Lowe's got my +18k purchase instead.  Yeah, when csr came back on phone he asked if there was anything else he could do and I told him nope, headed out to parking lot now to go to Lowe's.

[GApeachy]

....and something else.  They gave DH a 9k cli sp, so they can sometimes, want to sometimes

[Anonymous]

Yes but only when they want to increase you on their own from what I’ve heard. I always have read that when you ask it’ll cost you a HP. Was DH’s SP increase requested or granted by Citi on their own?

[GApeachy]

We called on a Saturday and asked.  The nicest lady, she said to ask for anything, I had her on speaker and we both said 5k and she said we could ask for more.  So we asked how much, she said he could ask for 10k if we wanted to cause they would counter. So dh asked for a 10k limit and she said, granted and congrats!  SP

[Anonymous]

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@Anonymous wrote:
... Citi, being one of the more conservative banks, always does a HP ...

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Not always. I initiated a SP CLI on Office Max/Depot card.

More might have been available if I wanted a HP. I did not. 

[Anonymous]

Good to know - I was going on what I had read but it’s good to see DPs from you and Laura both that SPs are possible at your request 👍

[GApeachy]

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@Anonymous wrote:
Good to know - I was going on what I had read but it’s good to see DPs from you and Laura both that SPs are possible at your request 👍

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Well, was possible.....not no more for me it looks like

[Anonymous]

Another month, another month of weirdness/goodness from Comenity

After smacking me down last time I got a soft pull CLI for my Overstock card. This card has grown from $500 to over $4000 in less than a year. Boom, instant. So now they should be ready to finally give me a CLI increase on J.Crew right? LOL Nope! Denied. J.Crew that I got the same day as Overstock remains at $250.

I'm happy about Overstcok, confused about J.Crew. The only difference was J.Crew was 7-10 day we will review and get back to you message this time. In the past it was a straight up "nope."

Next time I will try just the J.Crew and not both. I really only use these cards during the holidays when they have card member coupons. (J.Crew especially, you can stack 4-5 coupons and get 70-80% off). You don't even have to look for the coupons, they send them to your inbox.

Neither card has been used in 7 months.