Comenity CLI HP/SP Data Points

[Anonymous]

I don't spend every month on it but I have balances on 0% offers so I have payments/activity that way every month. This'll be the first month I cut a statement with a zero balance in a long time with them (long as a little trailing interest doesn't give me a statement balance - I had a couple items bought straight up).

[ocheosa]

Happy Monday! World hell notwithstanding !

I can only offer an opinion on overstock, my only comenity card.

IME actual statements bear no weight on whether or not you receive a CLI. Also waiting 3 months vs 2 does not matter on the amount of CLI given. It's whatever the computer has programmed for your profile. I've tried and tested it all over the years (15d, 30d, 31d, 35d, 1m, 2m, 3m). I would bet the current climate has made matters even worse behind the scenes.

If you review my stats, I  went from 2k to 2 mos of the recent $800 special back to $2k.

What has occurred over the course of the past year or so:

1) CLI's have changed from 31 days to 2-3 months. 2) It would seem double dips are no more. Although, given my research, only a few were ever able to get that to work so I would guess it was a glitch in the program that was corrected. 3) Comenity Overstock is no longer generating actual statements unless a balance posts. This is a PITA but whatever; it's their world, we are just living in it.

Also keep in mind there may be a HP around the 11-13k mark. I can only assume the HP is also profile dependent. 

As always, YMMV ! 

[GApeachy]

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@ocheosa wrote:

Comenity Overstock is no longer generating actual statements unless a balance posts.

Yep, other's have said the same thing.  I've seen it too on sc's and visa's.  

[Anonymous]

Agreed with you @ocheosa on the double dips being rare or nonexistent anymore. I was able to do it when my Overstock card arrived, and it allowed me to triple my limit but that was it for me and DDs. 

Did get another $500 on VS this morning, right on track with the 61-day interval. Still a SP, and my wife and girls now have $4500 to play with for their outerwear and various other items there.

[GApeachy]

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@Anonymous wrote:

various other items there.

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Like what?  

eta: hahaha! not gonna touch that huh?...just kidding.  But congrats again!

[Anonymous]

Lmao between the three of them (my youngest is tall and can now wear the XS size from Pink, which she's very proud of), they'd bring half the store home with them if they could!

[Rogue46]

I've never been able to double dip with either overstock or boscovs. Conversely I've never had a hp with either, Both accounts are now over $20k 

[ocheosa]

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@Anonymous wrote:

Agreed with you @ocheosa on the double dips being rare or nonexistent anymore. I was able to do it when my Overstock card arrived, and it allowed me to triple my limit but that was it for me and DDs. 

Did get another $500 on VS this morning, right on track with the 61-day interval. Still a SP, and my wife and girls now have $4500 to play with for their outerwear and various other items there.

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@Anonymous , I recall you being one of the few who were able to take advantage of the feature. Even once is better than my "no soup for you" results.   Congrats on the consistent growth of your accounts, must feel great !

[Anonymous]

Add me to the SP list. 

WS VISA opened 10/2019 with a HP. $1K SL. Declined for CLI in April. Approved for 2X this evening. Not much but it's a start to get the train going.

I can never seem to remember the rules for Comenity majors but I probably won't ask until October anyway because I want to get my US Bank app out of the way before I get any more HPs. 

[GApeachy]

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@Rogue46 wrote:

I've never been able to double dip with either overstock or boscovs. Conversely I've never had a hp with either, Both accounts are now over $20k 

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Vice nice!  How long have you had them?

@Anonymous wrote:

I can never seem to remember the rules for Comenity majors but I probably won't ask until October anyway because I want to get my US Bank app out of the way before I get any more HPs. 

Congrats on the cli!  For me I have gotten cli's around 4 month intervals and Dh, around 6....all sp's.