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Comenity CLI HP/SP Data Points

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Valued Contributor

Comenity CLI HP/SP Data Points

This thread is to try and consolidate information on what appears to be the emerging trend of Comenity Bank to use HPs at times for CLI requests rather than SPs. Recently there have been a number of members suddenly getting HPs when requesting, when in the past it has been a process driven by SPs.

Comenity is far from a tier-one lender and may not “matter” as much as Chase or American Express, but they are widespread in reach and the sheer number of cards they back, not to mention the relative ease of acquiring them, means they are in many wallets on this forum. In that respect, this may be a worthwhile compilation. What I’m wondering is if we can discern a breakpoint somewhere that will help determine when a HP may occur, whether it’s due to passage of time between CLI requests, the amount of the CLI being granted (which we as consumers won’t know until the HP is already used), or possibly due to the credit line already in effect at the time of the CLI request. It may even depend on which card is being increase-requested.

What I would ask of anyone who contributes is to include the following info, or as much of it as you have documented:

Card in question
Open date and whether SP/SCT or HP
Existing CL
Date of CLI
Amount of CLI
For each CLI, whether it was SP or HP

Including this for as many CLIs as you can recall would help broaden the reach of the data and may help shake out any patterns that could be buried in there. Hopefully enough data will surface that we can tabulate it to compare any trends based on any of the data included. Suggestions to improve this are definitely encouraged and welcomed!


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 1 of 185
184 REPLIES 184
Valued Contributor

Re: Comenity CLI HP/SP Data Points

I’ll start off with mine - it’s pretty easy as I have only had Comenity cards for less than a year and only one has had any CLI activity. (Editing to include recent increases)

Card - Victoria’s Secret
SL $500 when card was opened on 7/5/2018 - tried via SCT but incurred a HP I believe on Experian
Auto-CLI to $750 on 10/8/2018 - SP
LUV CLI to $1000 on 2/3/2019 - SP
LUV CLI to $1250 on 3/4/2019 - SP
LUV CLI to $1500 on 4/6/2019 - SP
LUV CLI to $1750 on 5/4/2019 - SP
LUV CLI to $2000 on 7/4/2019 - SP
LUV CLI to $2500 on 9/3/2019 - SP

Card - Wayfair
SL $500 when opened via HP on 9/22/2018 (EX)
Multiple attempts for CLI declined over several months
LUV CLI of $800 on 3/30/2019, just over 6 months after opening, new CL $1300 - SP
LUV CLI of another $800 on 4/8/2019, 9 days after the previous $800 increase 👍 New CL $2100, also SP
LUV CLI, another $800 today (6/8/2019, exactly two months after my last one), new CL $2900. This was a SP as well
LUV CLI of $800 on 8/8/2019, new limit $3700, also SP
Luv CLI of $1500 on 10/8/2019, new limit $5200, SP again

I did notice that on my CLI decline in mid-March that my EQ report from 1/19/2019 was quoted as being referenced. Possibly they update profiles via SP quarterly?


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 2 of 185
Valued Contributor

Re: Comenity CLI HP/SP Data Points

@ImTheDevil

"crickets"Smiley Tongue but that's because I won't be up for my first 6 month review until June '19.  Comenity/HSN csr told me a couple of weeks ago that they are starting to implement certain offers, for me to check my "benefits" tab soon. (I don't remember what all she said ie. coupons, special finance offers, etc.) 

 

I did ask about auto cli's, csr stated that at 6 months my acct. would start being reviewed for such.  Once I jump that hurdle I will gladly add DP's with personal cli requests as well.  

"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 3 of 185
Valued Contributor

Re: Comenity CLI HP/SP Data Points

Sounds good and thank you Smiley Happy


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 4 of 185
Valued Contributor

Re: Comenity CLI HP/SP Data Points


@ImTheDevil wrote:
Sounds good and thank you Smiley Happy

Also, did you obtain VS via sct (which I presume is dead)?

"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 5 of 185
Frequent Contributor

Re: Comenity CLI HP/SP Data Points

Card in question: Victoria Secret
Existing CL: $150
Date of CLI: March 2-8th
Received the email on March 9th
Amount of CLI: $250
For each CLI, whether it was SP or HP: SP
Date Opened: July 18’
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637
June: EQ8: 637 TU8: 645 EX8: 642
September 19’: EQ8: 620 TU8: 645 EX8: 640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 4MONTHS AAOA: 2YR 4MONTHS
Inquiries in 12 months: EQ: 3 TU: 1 EX: 1
New Accounts in the last 9 months: 0
CLOSED: Self Lender 12Month CD: June 20th 19’

Short Term Goal: Auto Lease 2020 Jeep MOAB
Chase 6/24 In-Branch Pre-approvals for all chase credit products - Goal Achieved but not taking the bait.. YET!
Message 6 of 185
Valued Contributor

Re: Comenity CLI HP/SP Data Points

Laurachrissy, my VS card didn’t work via SCT. I got the pop up at checkout online and accepted it but it was a HP approval. My post up above is amended to reflect this.


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 7 of 185
Valued Contributor

Re: Comenity CLI HP/SP Data Points

Laurachrissy, your initial post up above got me thinking. I have Wayfair as well as VS, but it’s a younger card and is about two weeks away from its 6 month anniversary. I wonder if that’s why I can’t get a CLI for the life of me on that card (got denial #8 today), even though my VS started growing before the 6-month mark. I’ll have to request again in maybe 3 weeks if I don’t get an auto-CLI by then. Wondering if it’s also a factor that one of the two cards is d.comenity and the other is c.comenity - two different organizations...


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 8 of 185
Valued Contributor

Re: Comenity CLI HP/SP Data Points


@ImTheDevil wrote:
Card in question: Overstock & Wayfair
Open date and whether SP/SCT or HP: 5/25/2018 HP SCT & SP SCT
Existing CL: 14.5K & 15K
Date of CLI: 7/14/18 (SP - 3K); 9/20/18 (SP - 3K); 11/28 (SP - 4K); 02/15/2019 (HP - 4K).
SP Amount of CLI: see above
For each CLI, whether it was SP or HP: see above

The CLI data is identical for the two cards. One was a HP on the SCT which was used for the other SCT approval a couple of minutes later. Initial SL was OS 500 & WF 1000. 

 

 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (9/12/2019): FICO 08 EXP: 737; TU: 741; EQ: 752
2019 Goal Score: 800 across the board


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Message 9 of 185
Community Leader
Super Contributor

Re: Comenity CLI HP/SP Data Points

Doesnt @FireMedic1 already have a thread dedicated to this? Not sure where it is but he put up mad dps to scare off most cli Comenity thrillseekersSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
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Message 10 of 185
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