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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

AJC I apologize - I don’t recall seeing it. If so maybe a mod would merge this with that thread?


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s

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TCL $93,100 | Agg. Util under 5%
Message 11 of 517
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Community Leader
Mega Contributor

Re: Comenity CLI HP/SP Data Points

No probs Devil, im suprised i havent seen it in awile. I thought he was keeping it up to date. Just keep what you are doing until either someone finds it, or merges. Any data can help Smiley Happy
Message 12 of 517
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Valued Contributor

Re: Comenity CLI HP/SP Data Points


@AverageJoesCredit wrote:
Doesnt @FiresOut 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

Wasn't that a SCT thread?

 

This thread being unique to Commenity & CLIs makes it valuable, as is. IMHO. Would hate to see it merged.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (09/16/2020): FICO 08 EXP: 747; TU: 758; EQ: 775
2020 Goal Score: 760 across the board


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Message 13 of 517
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Community Leader
Mega Contributor

Re: Comenity CLI HP/SP Data Points

Ah, good catch JamesSmiley Happy. Still weird no one has resurrected it. Carry on Mr DiabloSmiley Happy
Message 14 of 517
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Community Leader
Mega Contributor

Re: Comenity CLI HP/SP Data Points

For thread my recent cli request via call in, automated, was approved for $1k , no hp. Zales, the real Black CardSmiley Happy
Message 15 of 517
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Established Contributor

Re: Comenity CLI HP/SP Data Points

Denied for all Comenity credit limit increases

 

All have been soft pulls

Have tried online and over the phone

Always denied.

 

I have many Comenity cards like Victoria's Secret, J Crew, NY and Company, Williams Sonoma, etc.

 

 

Message 16 of 517
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Member

Re: Comenity CLI HP/SP Data Points

Card in question:  The Children's Place
Open date and whether SP/SCT or HP:  02/24/2018 HP
Existing CL:  $750
Date of CLI:  03/10/2018
Amount of CLI:  $500
For each CLI, whether it was SP or HP:  HP Equifax

Message 17 of 517
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Valued Member

Re: Comenity CLI HP/SP Data Points

Comenity seems to be strange/irregular in their process. I got Overstock/Boscov's/Victoria Secret cards, all through SCT but they all incurred a HP regardless.

 

Card in question:  Overstock
Open date and whether SP/SCT or HP:  January 2019 SCT/HP
Existing CL: $750
Date of CLI:  Once card came in mail
Amount of CLI:  $1600 increase to $2350
For each CLI, whether it was SP or HP:  CLI was SP

 

Card in question:  Boscov's
Open date and whether SP/SCT or HP:  January 2019 SCT/HP
Existing CL: $1000
Date of CLI:  Once card came in mail
Amount of CLI:  $1600 increase to $2600
For each CLI, whether it was SP or HP:  CLI was SP

 

Card in question:  Victoria's Secret
Open date and whether SP/SCT or HP:  January 2019 SCT/HP
Existing CL: $500
Date of CLI:  Denied any CLI
Amount of CLI:  $0
For each CLI, whether it was SP or HP:  SP


FICO 8: 6/13/2019 - 10.5%
Message 18 of 517
Highlighted
Moderator Emeritus

Re: Comenity CLI HP/SP Data Points


@ImTheDevil wrote:
AJC I apologize - I don’t recall seeing it. If so maybe a mod would merge this with that thread?

The separate running thread that @FiresOut created just for for the SCT (HPs) is below for anyone that would be interested:

 

 https://ficoforums.myfico.com/t5/Credit-Card-Applications/Updated-SCT-is-now-a-HP-No-more-tricks/m-p...

Message 19 of 517
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Frequent Contributor

Re: Comenity CLI HP/SP Data Points

It's not much, but I'll add my two cents.

 

I was approved for an Overstock card in early Jan 2019 with a $250 credit limit. Hard pull (of course) with Experian.

A few weeks later, on a whim, I clicked on the LUV button. Refused, no hard pull. (I was not shocked at the refusal!)

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: Sep 21, 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: 684
Goal Score: 760


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Message 20 of 517
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