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@Anonymous wrote:CM7 I posted about this also last week, also. I get that on all my cards but the Overstock card. So not just my Modells MVP Visa. My last increase was on July 7, 2016 so it has been 4 months and 7 days so far. Not sure what is going on.
I'm with you if they are not going to grow, I doubt I will keep them around long term.
Thanks for your link.
I'm going to space some time out this week and see if the schedule returns.
I also have no misconceptions on what to do with cards that potentially pose a burden to the profile overall.
Similar thing has happened to me I do believe..
I have 3 commenity store cards Overstock, Wayfair &Jcrew. All 3 have recieved every 31 days increases of $200 increments from April -August Then For The Last 2 Months $300 increases. Tried to request one this month and got the same 7-10 message. Maybe they are changing some polices as we speak
@CreditMagic7 wrote:Is this the message you guys and girls have been seeing too?
I keep a strict schedule on the 4 month plus a day SP CLI Request but this is all I see anymore.
(2) Comenity bankcards over 1 year with reasonable usage and always PIF.
Should I let a balance post maybe to draw a SP CLI again?
This is the first time those 2 cards didn't get one and their limits are 4300 & 6300 respectively.
You're not the only one. I've been getting that on my TR Visa. it's current line is $25,500 so I suspect comenity will not extend any more to me.
769 ![]() | 774 ![]() | 764 ![]() | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |
Guess I will have to see what happens at end of November when I try for CLI on Total Rewards Visa. After my Barneys CLI to $45,700 recently, I was feeling encouraged.
I also wonder if Comenity is tying CLI's more to usage now? I use my Total Rewards Visa every month for a few small purchases, but not sure if those not receiving CLI's are using the card or not using the card. I do know that in the past usage was not a factor, but that may be different now.
Just speculating and trying to figure out with everyone else what may be going on.
Is it even possible to try a CLI with robolady on the Mastercards and Visas, or are those online only? I've only ever gotten CLI's online with Total Rewards Visa. Conversely, Barneys would never once give me a CLI online using the button, but always yielded success with robolady. I don't believe robolady is an option with Visas and Mastercards, however.
@Anonymous wrote:Guess I will have to see what happens at end of November when I try for CLI on Total Rewards Visa. After my Barneys CLI to $45,700 recently, I was feeling encouraged.
I also wonder if Comenity is tying CLI's more to usage now? I use my card every month for a few small purchases, but not sure if those not receiving CLI's are using the card or not using the card. I do know that in the past usage was not a factor, but that may be different now.
Just speculating and trying to figure out with everyone else what may be going on.
Is it even possible to try a CLI with robolady on the Mastercards and Visas, or are those online only? I've only ever gotten CLI's online with Total Rewards Visa. Conversely, Barneys would never once give me a CLI online using the button, but always yielded success with robolady. I don't believe robolady is an option with Visas and Mastercards, however.
You may be on to something humu. I havent used my Overstock and Wayfair cards in the last 6 months but still recieved my monthly cli's up unti this month. But did make a purchase on my Jcrew card last month made my payment and as soon as the statement cut tried a cli increase and if gave me one on regular schedule 31 days out.
@credit_endurance wrote:
@Anonymous wrote:Guess I will have to see what happens at end of November when I try for CLI on Total Rewards Visa. After my Barneys CLI to $45,700 recently, I was feeling encouraged.
I also wonder if Comenity is tying CLI's more to usage now? I use my card every month for a few small purchases, but not sure if those not receiving CLI's are using the card or not using the card. I do know that in the past usage was not a factor, but that may be different now.
Just speculating and trying to figure out with everyone else what may be going on.
Is it even possible to try a CLI with robolady on the Mastercards and Visas, or are those online only? I've only ever gotten CLI's online with Total Rewards Visa. Conversely, Barneys would never once give me a CLI online using the button, but always yielded success with robolady. I don't believe robolady is an option with Visas and Mastercards, however.
You may be on to something humu. I havent used my Overstock and Wayfair cards in the last 6 months but still recieved my monthly cli's up unti this month. But did make a purchase on my Jcrew card last month made my payment and as soon as the statement cut tried a cli increase and if gave me one on regular schedule 31 days out.
Well I use my NY&CO card every month and I got the message as well. I'm only at $2200 with them. I might see it because I'm attempting to try early. I'm going to wait and see what happens on Nov 30th.
And I tried the Robot lady and they tried transferring me to Rep. I hung up. Didn't feel a need to talk to no Rep.
@Anonymous wrote:
@credit_endurance wrote:
@Anonymous wrote:Guess I will have to see what happens at end of November when I try for CLI on Total Rewards Visa. After my Barneys CLI to $45,700 recently, I was feeling encouraged.
I also wonder if Comenity is tying CLI's more to usage now? I use my card every month for a few small purchases, but not sure if those not receiving CLI's are using the card or not using the card. I do know that in the past usage was not a factor, but that may be different now.
Just speculating and trying to figure out with everyone else what may be going on.
Is it even possible to try a CLI with robolady on the Mastercards and Visas, or are those online only? I've only ever gotten CLI's online with Total Rewards Visa. Conversely, Barneys would never once give me a CLI online using the button, but always yielded success with robolady. I don't believe robolady is an option with Visas and Mastercards, however.
You may be on to something humu. I havent used my Overstock and Wayfair cards in the last 6 months but still recieved my monthly cli's up unti this month. But did make a purchase on my Jcrew card last month made my payment and as soon as the statement cut tried a cli increase and if gave me one on regular schedule 31 days out.
Well I use my NY&CO card every month and I got the message as well. I'm only at $2200 with them. I might see it because I'm attempting to try early. I'm going to wait and see what happens on Nov 30th.
We can only keep our fingers crossed that it's only some pre-holiday delay and will return to (what we consider) normal expectations
The reason I mention this is because the Holiday Season is rapidly approaching and it is been somewhat customary for lenders to extend additional spending power to meet quotas of potential return with stores geared up for SALES!!
@Anonymous wrote:
@credit_endurance wrote:
@Anonymous wrote:Guess I will have to see what happens at end of November when I try for CLI on Total Rewards Visa. After my Barneys CLI to $45,700 recently, I was feeling encouraged.
I also wonder if Comenity is tying CLI's more to usage now? I use my card every month for a few small purchases, but not sure if those not receiving CLI's are using the card or not using the card. I do know that in the past usage was not a factor, but that may be different now.
Just speculating and trying to figure out with everyone else what may be going on.
Is it even possible to try a CLI with robolady on the Mastercards and Visas, or are those online only? I've only ever gotten CLI's online with Total Rewards Visa. Conversely, Barneys would never once give me a CLI online using the button, but always yielded success with robolady. I don't believe robolady is an option with Visas and Mastercards, however.
You may be on to something humu. I havent used my Overstock and Wayfair cards in the last 6 months but still recieved my monthly cli's up unti this month. But did make a purchase on my Jcrew card last month made my payment and as soon as the statement cut tried a cli increase and if gave me one on regular schedule 31 days out.
Well I use my NY&CO card every month and I got the message as well. I'm only at $2200 with them. I might see it because I'm attempting to try early. I'm going to wait and see what happens on Nov 30th.
We have to remember that the store cards are a different animal and operate completely differently from Visas and Mastercards here. So, it's not an accurate comparison to look at trends for store cards when we are talking about Visas and Mastercards.
There were a number of reports of people early in the spring not getting CLI's on store cards, so that's not completely unusual. Also, the store cards even differ markedly from one another in this area, so store cards are not something we can accurately compare with the Visas and Mastercards.
Usage is most likely still a factor on any Comenity card; but when looking at trends, it probably is most helpful to remember we are talking about Visas and Mastercards here.
The potential trend that I believe CM7 is looking into is whether the Visas and Mastercards have deviated from their normal 4 month (+1 day or several days) schedule. It's a good topic and one I will be following.