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Comenity CLI HP/SP Data Points

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Established Contributor

Re: Comenity CLI HP/SP Data Points

Been about 8 months since I last fiddled with Comenity on my OS and WF cards. I tempted fate with WF first, as I've always gotten a HP from OS when/if I did them first. WF was approved for $2000 (previously was $1500 and then could DD), bringing it to $19900. Failed the DD.

Decided to try OS and it was denied. DM I received later indicated it was because they were unable to verify my credit history with other credit grantors. They indicated the decision was based off of EX. Kinda odd since they've always HP'd me on EQ for any/everything in the past and EX was the only one unlocked at the time. Not sure what was up with that, never seen them do jack with EX and didn't HP me on it. /shrug
- | - Mee'sa not'ta Jar'Jar Bink'sa. Mee'sa just like'sa the word'sa BOMBAD! - | -


BK7 Discharged 12/16 - | - EQ8/9: 696/730 | TU8: 738 | EX8: 733
Message 411 of 443
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Community Leader
Senior Contributor

Re: Comenity CLI HP/SP Data Points

Another 61 days and another SP CLI on VS, now up to $4000. The train keeps on rollin'...



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

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





TCL $63,350 | Agg. Util under 7%
Message 412 of 443
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Frequent Contributor

Re: Comenity CLI HP/SP Data Points

Another $2,000 CLI on my Overstock card. Now up to 7,750.

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: May 3, 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, 1700Cap1 QS, $1000FBNO Visa, $1600RIP Green Dot Platinum
Overstock $7,750, 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, Cap1 QS $1000, FBNO Visa $1600, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 678
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 413 of 443
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Established Contributor

Re: Comenity CLI HP/SP Data Points

Finally reached my initial goal of $25k on the overstock card ! Also, quite pleased CLI is back to $2k!

 

 

Last 4 CLI's: 

11/2019 +2k - SP - $21,700

1/2020 +800 - SP - $22,500
3/2020 +800 - SP - $23,300

5/2020 +2k - SP - $25,300

 

Complete Card History Post 

AOD FCU VS. BBVA CP. Cap One: QS, SavorOne, VentureOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cR VS, Plat MC, Plat Visa, CLOC. SECU MD VS. Sync: Amazon, eBay MC, Lowe's, PP MC, PPC. WF Propel Amex. Misc: Overstock, Target.

[06/20] Scores: 700s. Util: 3-5%. Inq: TU 9, EX 7, EQ 11. AAoA=6y9m, AoOA=33y0m, AoYA=1m.
$200k GOAL Met !! TCL $240k. Extend thru CLI's over 1-2yrs: 250-300k.

Next: CLI's, combine and/or close 2-3 accts. Garden? Can't quite get the hang of it yet, un/fortunately, Ha ! Late this year, hope to start adding a few business accounts.
Message 414 of 443
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Community Leader
Senior Contributor

Re: Comenity CLI HP/SP Data Points

$25k is nuts lol - congrats!



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

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





TCL $63,350 | Agg. Util under 7%
Message 415 of 443
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Established Contributor

Re: Comenity CLI HP/SP Data Points


@ImTheDevil wrote:

$25k is nuts lol - congrats!


Thank you! And it only took ~3.5yrs(sighs), guess persistence does pay off! Smiley Very Happy

AOD FCU VS. BBVA CP. Cap One: QS, SavorOne, VentureOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cR VS, Plat MC, Plat Visa, CLOC. SECU MD VS. Sync: Amazon, eBay MC, Lowe's, PP MC, PPC. WF Propel Amex. Misc: Overstock, Target.

[06/20] Scores: 700s. Util: 3-5%. Inq: TU 9, EX 7, EQ 11. AAoA=6y9m, AoOA=33y0m, AoYA=1m.
$200k GOAL Met !! TCL $240k. Extend thru CLI's over 1-2yrs: 250-300k.

Next: CLI's, combine and/or close 2-3 accts. Garden? Can't quite get the hang of it yet, un/fortunately, Ha ! Late this year, hope to start adding a few business accounts.
Message 416 of 443
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Senior Contributor

Re: Comenity CLI HP/SP Data Points


@ImTheDevil wrote:
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: DH's Wayfair
Open date and whether SP/SCT or HP: March 2020 $6.5K sp via SCT
Existing CL: $2k Sp cli upon online registration to $8.5k
Date of CLI: 2nd cli request May 22, 2020 
Amount of CLI: $2k----> $10.5k
For each CLI, whether it was SP or HP: SP!  (This is the same pattern my Wayfair card has grown and also for a friend of mine.)  
These accts. have been heavily used....HEAVILYSmiley Tongue ....it's a fun card.

 


"MY TAKE HOME PAY WON'T TAKE ME HOME"
Current Scores: Exp 736/Eq 744/ Tu 756
Message 417 of 443
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Senior Contributor

Re: Comenity CLI HP/SP Data Points

Thought I'd chime in here -

 

My account just turned 6m old so I tried some luv and was denied.  The reason is because my account isn't old enough to qualify yet.
Note:  this is a major (Visa), so I don't know if the timing rules are different from their retail cards.

Card in question: Comenity AKC (Visa)
Open date and whether SP/SCT or HP:  Open 12/5/2019; HP (EX) 
Existing CL: 12k
Date of CLI:  Requested 6/5; denied
Amount of CLI: Denied
For each CLI, whether it was SP or HP:  I'm assuming SP if at all (no HP).  

Again, the reason was that my account was too new.  I do use it every month to the tune of a few hundred dollars, so the utilization is never bad, and it is used (autopay in full every month).   I didn't need the CLI and was curious.  Got my answer Smiley Wink

F8 EQ: 805 | EX: 800 | TU: 795 | Accounts: 0/6 2/12 9/24
Happy practitioner of AZE5or6or7or8
Message 418 of 443
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Senior Contributor

Re: Comenity CLI HP/SP Data Points


@calyx 

You and my Dh (SGV)  are on a similar timeline...let's compare. He's gotten the finger too so I figured the next cli request will be (after stmt #6) end of June/Early July.  So let's check in, okay?  Anyway, sorry for the denial but I don't think you will have to wait that much longer for some Comenity lHeartve.   Hopefully you and Dh will catch a cogSmiley LOL

 

 


"MY TAKE HOME PAY WON'T TAKE ME HOME"
Current Scores: Exp 736/Eq 744/ Tu 756
Message 419 of 443
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Moderator

Re: Comenity CLI HP/SP Data Points


@K-in-Boston wrote:
  • BJ's Perks Elite World MasterCard
  • Opened August 2016.  HP
  • SL $17,000
  • 02-2017 $400 SP CLI ($17,400)
  • 06-2017 $400 SP CLI ($17,800)
  • 11-2017 $3000 SP CLI ($20,800)
  • 03-2018 $3000 SP CLI ($23,800)
  • 07-2018 $3000 SP CLI ($26,800)
  • 10-2018 HP on EX. Denied. Letter stated that they are required to contact me via the contact information contained in my credit reports and were unable to contact me.  Called them up and rep said that I was denied due to not having my phone number listed on my Experian credit report.  First time I've ever had that be an issue in 20+ years of credit card applications, and the file is only going to have what other lenders report anyway so there's not really much I can do about it.  He said he'd be happy to manually submit it but it would take 7-10 days for a decision.  No problem.  A week later, I got a denial because it had been too soon since my last request.  (Comenity requires 4 months between CLIs on this card.)
  • 11-2018 No pull and denied.  Decided I would try again right after the 4 month mark hit since the previous one.  Letter stated that they are required to contact me via the contact information contained in my credit reports and were unable to contact me.  Have not bothered since.

I forgot to update this post.  After the weird auto denial reasons for not having a phone number reported to Experian, I didn't try again for over a year.  But, on a whim I decided to risk the HP and was prepared to call in and have them manually process the request if it was for the phone number issue again - fortunately, that was not the case.

  • 12-2019 $3000 SP CLI ($29,800)
  • 05-2020 $200 SP CLI ($30,000)

Looks like the issue on their end is fixed, as there is still no phone number listed on my EX report.  And I am assuming by the $200 CLI last month that $30,000 is the cap for this card.  At any rate, it all worked out and I am finished asking on this card.

Message 420 of 443
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