Orbitz - 7th Statement... No CLI

[Creditaddict]

My 7th statement came available today and I still got denied CLI.

I'm going to put in for the payment and then will try again once it posts but I'm really starting to not understand them!!

[lhcole77]

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@Creditaddict wrote:

My 7th statement came available today and I still got denied CLI.

I'm going to put in for the payment and then will try again once it posts but I'm really starting to not understand them!!

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Who is this card though?

[Involver]

Why do you want / deserve a CLI on this card?

[Creditaddict]

The card is Comenity.

I feel I deserve a CLI because it's 7 months old now and I have used it and Paid on it (well really PIF because I don't carry a balance on it) but used it almost every month to show history and because it's the only comenity card that isn't giving me a cli now.

[kdm31091]

As I always say CLI are not just given in exchange for time.

It may be that "most" people get a CLI at x amount of statements but its never guaranteed.

Do you use the card heavily? What are your payment habits? There's plenty of legitimate reasons for them to deny it. Maybe they simply feel you have sufficient credit.

[asphaltcowboy]

May be one of the nine month cards?

[Creditaddict]

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@asphaltcowboy wrote:

May be one of the nine month cards?

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So I called and she said usually it's 6 or 7th statement and I have been an AWESOME customer so she is not sure why it's not updated and allowed for a CLI and she submitted for one asking for $2k and she got and read the exact statement I get that it will be reviewed and I will receive a letter but it doesn't actually get reviewed, it's just the denial letter being sent out.  She was like, hmmm, taht's weird, well anything else I can help you with?

She was nice but Comenity reps are like the most hollow conversations I can have in a day!

[kdm31091]

There is no such thing as a "6 or 9 month" card IMO. These are simply times when people typically experience a credit line increase. Not always. Far from it.

If you hardly use a card, you aren't getting a CLI, because in the lender's eye you likely don't need it.

Even if you use it heavily, sometimes their computers just decide you have sufficient credit, either with them or across all your cards. There's never a guarantee. A few issuers specifically state you will get a CLI after x amount of time, but it's rare. You can certainly rely on the trends from other users to a degree, but also can't get disappointed or upset if you don't achieve the same result -- they do not "owe" it to you.

I'm not saying this to bash you, OP, it's just that sometimes people act shocked when they don't get a CLI when they were "supposed" to. My point is there is no "supposed" to.