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Comenity CLI HP/SP Data Points

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Community Leader
Senior Contributor

Re: Comenity CLI HP/SP Data Points

Try again after two months. My profile is strong enough to get them like clockwork at that interval and yours is stronger than mine. No harm trying whenever, they'll grant it or say it hasn't been long enough. I've gone months without ordering, I think at least five months with no issues. My orders have been in the $650-1000 range and I use the 0% financing they offer. No issues whatsoever.




Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 291 of 358
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Valued Contributor

Re: Comenity CLI HP/SP Data Points

SP CLI still working.

Increased WF 19,000 to 21,000 & OS 18.5 to 20.5K.

Last CLI exactly 2 months ago. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (03/3/2020): FICO 08 EXP: 749; TU: 758; EQ: 761
2019 Goal Score: 800 across the board


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Message 292 of 358
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Senior Contributor

Re: Comenity CLI HP/SP Data Points


@James_A wrote:

SP CLI still working.

Increased WF 19,000 to 21,000 & OS 18.5 to 20.5K.

Last CLI exactly 2 months ago. 


That's sick good....what's the max on those cards?  Congrats!

I like WF more than I thought I would.  I ordered a swingset yesterday @ 2:39pm and it's already put together in the yard this afternoon  Amazon who?!?

"MY TAKE HOME PAY DON'T TAKE ME HOME"
App'oholics Anonymous
Message 293 of 358
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Community Leader
Senior Contributor

Re: Comenity CLI HP/SP Data Points

@James_A those increases and limits are fantastic to still be giving SP CLIs. That's a lot of what the purpose of this thread is - to see if there's a CL breakpoint where they start requiring HPs to continue growth. Many started getting HPs once they got to $10-12k lines. To see you reach nearly twice that on SPs is great.

 

@GApeachy right? I got my card initially to order a couple things for my house and take advantage of the 0% deferred interest offers. I didn't think that less than a year and a half later I'd have grown it from $500 to $8200 or that I'd still be ordering things from them. Nice surprise isn't it?




Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 294 of 358
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Senior Contributor

Re: Comenity CLI HP/SP Data Points

@ImTheDevil    WF has quickly become a fun card.  I like it better than my GoodSams VS.  A visa's, a visa's, a visa but this acct., like my old HSN, is gonna come in handy. 

"MY TAKE HOME PAY DON'T TAKE ME HOME"
App'oholics Anonymous
Message 295 of 358
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Frequent Contributor

Re: Comenity CLI HP/SP Data Points

My Overstock card has been very helpful. I started with a $250 limit a little over a year ago. Probably sometime in the summer, when my scores were in the mid-650s, I asked for a CLI and much to my shock, I got $2000 more, to $2250. Encouraged by this thread, I hit the Luv button two months ago and got 2k more, to 4250. I tried again a few days ago (exactly two months after the last CLI) and got 1500 more. So I see that they're slowing down a little, but still generous! My scores are in the 670-690 range now.

 

I will probably wait 3 or 4 months next time. I order from them almost every month, but small things. I signed up for their 'club' thing where I get free shipping and 5% off... it's been a good deal for me all around.

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: March 20, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000AMEX Cash Magnet, $1000Citizens Bank, $2,800Amazon Prime Store Card, 1700RIP Green Dot Platinum
Overstock $5,750, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, AMEX Cash Magnet $1000, Citizens Bank Cash Back $2,800, Amazon Store Card $1700, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 676
Goal Score: 760


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Message 296 of 358
Valued Contributor

Re: Comenity CLI HP/SP Data Points

Soft pull train still rolling. I'm in a two month pattern of $500 on J.Crew and $2,000 on Overstock. I barely use J.Crew. Overstock has seen a few more purchases but not that many either.
My Overstock hit $10K. I'm a bit concerned the soft pull train may come to an end....

Message 297 of 358
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Regular Contributor

Re: Comenity CLI HP/SP Data Points

SP exactly 2 months from last increase:

 

Overstock $2550---> $3350

Wayfair $2800----> $3600

IKEA $6550--->$9050

Toyota $4500--->$4500 (denied)

 

Interesting fact is that I have not used any of the cards that I received the increases on since November of last year. I used the Toyota card about 3 weeks ago, but that doesn't seem to matter 🤷‍♀️

 

Chapter 7 DC 10/23/18
Starting FICO 8 11/22/18

Current FICO 8 2/20/20

GOAL 680 by 12/20
Current FICO 9 2/28/20

Student loans and car payments reporting positive


Message 298 of 358
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Valued Contributor

Re: Comenity CLI HP/SP Data Points


@Kathyups wrote:

SP exactly 2 months from last increase:

 

Overstock $2550---> $3350

Wayfair $2800----> $3600

IKEA $6550--->$9050

Toyota $4500--->$4500 (denied)

 

Interesting fact is that I have not used any of the cards that I received the increases on since November of last year. I used the Toyota card about 3 weeks ago, but that doesn't seem to matter 🤷‍♀️

 


If you mean November of 2019 thats fine. If you mean November of 2018 I would toss something small ($5-$10) on each one. The CLI is separate from inactivity shutdowns. Someone just got their Comenity card shut down for 2 years of inactivity.

Message 299 of 358
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Regular Contributor

Re: Comenity CLI HP/SP Data Points

I haven't used them since November of 2019. I am sure that will be changing soon, I think I am in need of some spring shopping lol 😁😁

Chapter 7 DC 10/23/18
Starting FICO 8 11/22/18

Current FICO 8 2/20/20

GOAL 680 by 12/20
Current FICO 9 2/28/20

Student loans and car payments reporting positive


Message 300 of 358
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