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Comenity CLI HP/SP Data Points

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New Contributor

Re: Updated: SCT is now a HP! No more tricks!

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.

**trying to garden**
Current scores EQ 661 TU 655 EX 666
AMEX PRG
Chase Southwest $8500
Venture $8200
Wayfair $8000
Care Credit $7500
Overstock $6000
VS $5800
NFCU $700 (very disappointed in this SL)
Message 21 of 517
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Regular Contributor

Re: Updated: SCT is now a HP! No more tricks!

That sucks. Was wanting to do CLI but dont want HP.





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Message 22 of 517
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New Member

Re: Comenity CLI HP/SP Data Points

Just requested CLIs last week, so here's my data for what it's worth. Haven't run into a HP CLI request yet.

 

Victoria's Secret

Opened 6/2018, SCT/SP

$350 SL

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

 

Venus

Opened 6/2018, SCT/SP

$500 SL

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

 

J Crew

Opened 6/2018 SCT/SP

$500 SL

No CLIs, all SP, last request 3/9/2019

 

Ulta

Opened 1/2019 cold app/HP

$1000 SL

No CLI (didn't expect one!), SP, 3/9/2019

 

05/01/18: EQ 000 / EX 000 / TU 000
06/01/19: EQ: 717 / EX: 671 / TU: 695
Message 23 of 517
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Valued Contributor

Re: Comenity CLI HP/SP Data Points

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.

Message 24 of 517
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Established Contributor

Re: Comenity CLI HP/SP Data Points

Boscov's

 

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)

 

 

 

 

Message 25 of 517
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Valued Member

Re: Comenity CLI HP/SP Data Points

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.



Khols $700.00, Lowes $5000.00, Gap $400.00, Belk $300.00, Ebay Mastercard $500.00, Credit One $950.00, Merrick Bank $1,600.00, Capital One $500.00, Walmart $3,500.00, Amazon $600.00, Paypal $1,500.00. VS $500.00, JCrew, Belk, Gap, New York &Company, JC Penney, Amazon, Credit One $600.00,
Message 26 of 517
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Regular Contributor

Re: Comenity CLI HP/SP Data Points

I just hit the Luv button today for Ashley Stewart. Got the credit limit updated from $2,750 to $3,000. Went over to my kingsize Platinum card and did the same and went from $1450 to $1850. 2 mins later I got one hard pull alert on Equifax from “Comenity Bank/suebre”. I have no idea which one that’s for. I’ll update if I get a 2nd one.

FICO 8 Scores 07/17
FICO 8 Scores 07/19
Message 27 of 517
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Regular Contributor

Re: Comenity CLI HP/SP Data Points

24 hours have passed and I’ve still only gotten the one hard pull.

FICO 8 Scores 07/17
FICO 8 Scores 07/19
Message 28 of 517
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Community Leader
Senior Contributor

Re: Comenity CLI HP/SP Data Points

Very nice - hopefully it stays that way.


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

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





TCL $93,100 | Agg. Util under 5%
Message 29 of 517
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Established Contributor

Re: Comenity CLI HP/SP Data Points

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.

BK7 Discharge 1/16
10/15 ~ EQ: 406; TU: 520
10/18 ~ EX: 666; TU: 646; EQ: 652
Message 30 of 517
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