Is Overstock Luv Button Broken?

[Anonymous]

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@B335is wrote:
If Comenity were really watching these boards you would think they would know the difference between a hard pull and soft pull by now

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 LOL

[Anonymous]

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@B335is wrote:
If Comenity were really watching these boards you would think they would know the difference between a hard pull and soft pull by now

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[DeeBee78]

If I've missed the Comenity gravy train, I'm closing all the cards. At this point I'm not app'ing anytime soon, so I don't care if I destroy my AAoA for the next year. I have enough credit in real cards. 

[gdale6]

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@DeeBee78 wrote:

If I've missed the Comenity gravy train, I'm closing all the cards. At this point I'm not app'ing anytime soon, so I don't care if I destroy my AAoA for the next year. I have enough credit in real cards. 

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Closing a card does not destroy your AAoA, closed accounts are on file for up to 10 years post close. What causes a drop in AAoA is opening the account. I would not close them until they pass 6 months of being open, underwriters do not like to see cards being opened then closed quickly.

[Anonymous]

I normally get my increase on the 12th.  It didn't work.  It also didn't work for the next 3 days.  I did finally get it on the 17th though.  The typical $200 increase.

[Anonymous]

I'm still get Overstock luv like clockwork (most recently April 14th).  I also do still have a balance every month.

JCrew gave me mad luv earlier this month (April 18th ish).

I do notice that they fixed the initial limits for Overstock now.  Back then people were getting minimums of $3500 for fair credit, now I'm seeing alot of 2K and even $250 starting limits.  Some of the Overstock gravy train has left the building I would say.  New Overstock card limits aren't impressive like they used to be. 

[Anonymous]

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@DeeBee78 wrote:

If I've missed the Comenity gravy train, I'm closing all the cards. At this point I'm not app'ing anytime soon, so I don't care if I destroy my AAoA for the next year. I have enough credit in real cards. 

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You need to be patient. Your scores need time to increase. Like I said earlier, people with longer credit histories and established credit are getting more action. Their cards won't hurt you, just make a small purchase every 2-3 months, pay it off and see where you are by the holidays.

[Anonymous]

Was approved yesterday with a $6k SL. Hit the increase button & got another $400. No credit score yet for me, first positive tradeline on Equifax is November 2014 (have 3 cards now) and no baddies.