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Comenity CLI HP/SP Data Points

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Valued 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?


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Message 11 of 162
Community Leader
Super 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
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Message 12 of 162
Valued Contributor

Re: Comenity CLI HP/SP Data Points


@AverageJoesCredit wrote:
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

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 (9/12/2019): FICO 08 EXP: 737; TU: 741; EQ: 752
2019 Goal Score: 800 across the board


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Message 13 of 162
Community Leader
Super 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
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Message 14 of 162
Community Leader
Super 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
#ChaseCreditCardHobby Enthusiast
Message 15 of 162
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 162
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 162
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 162
Moderator

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 @FireMedic1 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 162
Regular 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: Sept 6, 2019:
Goal for December 2019: FICO 640-700
Overstock Store Card, $250 limitWalmart Store Card, $200 limitDiscover IT Cash Back, $2000 limitNavy Fed cashRewards, $1000 limitShell Citi store cardNavy More RewardsRIP Green Dot Platinum
Overstock $250, Walmart $200, Discover IT Cash Back $2000, Navy Fed cashRewards $1000, Shell (Citi) Fuel Rewards, $800, Navy More Rewards, $17,000, (Green Dot Platinum Secured, $200, to be cancelled.)

Starting Score: 539
Current Score: 662
Goal Score: 760


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Message 20 of 162
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