To make matters worse - yesterday I hit the CLI button on VS, Wayfair and Overstock and ALL were a HP.
They have always been a SP. Looks like they changed everything over to HP, including CLI. At lease for me they did.
Just requested CLIs last week, so here's my data for what it's worth. Haven't run into a HP CLI request yet.
Opened 6/2018, SCT/SP
Auto CLI to $850 9/2018
SP CLI to $1100 10/2018
SP CLI to $1350 12/10/2018
SP CLI to $1600 1/17/2019
SP CLI to $1850 3/9/2019
Opened 6/2018, SCT/SP
Auto CLI to $600 9/24/2018
SP CLI to $1100 12/10/2018
SP CLI to $1350 1/17/2019
SP CLI to $1600 3/9/2019
Opened 6/2018 SCT/SP
No CLIs, all SP, last request 3/9/2019
Opened 1/2019 cold app/HP
No CLI (didn't expect one!), SP, 3/9/2019
Ok here is a weird one. This was about a month ago. I keep my reports locked.
I hit the CLI button for my Overstock card. Approved.
5 minutes later I hit the CLI button for J.Crew and received the 7-10 day message. A week later I get the letter in the mail and it said the reason for denial is that they could not access my credit report. 😐 They soft pulled Overstock through the lock but tried to HP me for J.Crew and could not. I’m happy I had the lock on. I don’t need HP CLI for store cards.
Opened in Feb 19--shopping cart trick, no hard pull (yet)
$250 was original credit line
Called on 3/14/19 for CLI--approved to $1050--no pull (yet)
Oddly My spouses VS card started at just $250.00, this was in August 2018. Since that time I requested a CLI twice back to back the same night.
It went from $250.00 to $750.00 and right after a few seconds later was approved for $1,250.00 another increase of $500.00.
However it appears that people have really great results from Comenity cards, or great results from Synchrony.
I on the other hand keep getting denied for all Comenity credit lines, have been denied 100% of the time.
While I fair better with Syncrony, my spouse often gets declined for the same cards.
Card in question OVERSTOCK
Open date and whether SP/SCT or HP- April 2018 SCT
Existing CL - 250
Date of CLI - Never
Amount of CLI - Nothing
For each CLI, whether it was SP or HP - NAda, Zilch
I think earlier this month I tried for a cli and got a hard pull on EQ. I try almost monthly and each time got nothing. I don't want to keep trying for hard pulls.