Comenity CLI HP/SP Data Points

[Anonymous]

Thank you for your reply! I am pretty confident they would give me a CLI on this card since i was granted $250 auto CLI in June as I mentioned, but I am scared to death of recievig a HP for an extra $250 UTI cushion. The language there about "we may need to pull your report" is concerning to me to say the least lol. I wonder if calling in could ensure a SP or if I could stop them before a HP is initiated if it is required.

[Anonymous]

From everything I’ve seen personally and anecdotally, the HPs don’t seem to come into play on Comenity store cards until the limits are in the multi-thousand dollar range. My Wayfair is at $3700 and still hasn’t taken a HP. I think you’ll be safe assuming a SP for your requested increase.

[GApeachy]

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@Anonymous wrote:

The language there about "we may need to pull your report" is concerning to me to say the least lol. I wonder if calling in could ensure a SP or if I could stop them before a HP is initiated if it is required.

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Nope, won't necessarily ensure by calling in. Not if the language is there....the language for me when I got my one and only hp for a cli was over the phone(after checking online first with that verbiage) and the csr's were like, "I dunno, maybe" and the likes with 3 different csr's. Yes, I huca twice.  I gambled and lost.  I wouldn't do it.  My other two cli's, over the phone, maybe one online....I can't remember but I do remember there was never any talk of hp.  The one csr D*is was her name told me flat out when I asked her and she emphatically stated I would not have a hp and she was right.  The only difference that I can say about this and the verbiage is that the csr's that didn't know and popped me with a hp was on my UltamateMc; the two cli via sp's were on my HSN.  Two different birds I know but just wanted to share that experience with that hp verbiage and what they may or may not tell you.

[I_Love_Cards]

I just did my first round of CLI on my comenity cards. It was stressful waiting to see if I would get an alert for a HP. I’m not sure my delicate heart can handle this.

All on 9/6/19:

Overstock
Opened 8/2018 - via pre-approved email (SP) at $500. They raised it by $250 every few weeks (of their own volition) until it hit $1250.
CL-$1250
New CL-$2050 - SP
Card was used one time only in 7/2019.

Williams Sonoma (store card)
Opened 8/2018-regular HP app
CL$1000
Always and forever $1000 - at least request was SP
Card is used frequently (monthly at a minimum). I puffy heart cooking fancy things.

Total Rewards Visa
Opened 8/2019 (via pre-approved pop-up, HP)
CL-$1000
I tried for CLI on activation. No go but also no HP.

[Anonymous]

**bleep**, I did it but got this message.

"Thank you for your interest in a credit limit increase. We are reviewing the information provided, and we will contact you by mail within 7-10 business days regarding the status of your credit limit increase."

Scared for a hard pull. None yet but this was 10 seconds ago. VS card btw.

[Anonymous]

Anytime I’ve ever gotten that from VS or Wayfair, it’s been a SP and a denial.

[Anonymous]

Thank goodness, I am ok with the denial just not a HP. I have every monitoring service known to man so... I usually get notified pretty quickly.

[Anonymous]

Still no HP... So there's that atleast. And the Cowboys won 

[Anonymous]

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@I_Love_Cards wrote:
I just did my first round of CLI on my comenity cards. It was stressful waiting to see if I would get an alert for a HP. I’m not sure my delicate heart can handle this.

All on 9/6:

Overstock
Opened 8/18 - via pre-approved email (SP) at $500. They raised it by $250 every few weeks (of their own volition) until it hit $1250.
CL-$1250
New CL-$2050 - SP
Card was used one time only in 7/19.

Williams Sonoma (store card)
Opened 8/18-regular HP app
CL$1000
Always and forever $1000 - at least request was SP
Card is used frequently (monthly at a minimum). I puffy heart cooking fancy things.

Total Rewards Visa
Opened 8/19 (via pre-approved pop-up, HP)
CL-$1000
I tried for CLI on activation. No go but also no HP.

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Month/Day? or Month/Year? ... Very confusing to read that. I lost too many brain cells already

[Anonymous]

I think the CSRs like to play "Spin the HP wheel" with people when they call in. They know the credit Ninjas when they hear them on the phone...