@rchvmz wrote:
@FinStar wrote:
@rchvmz wrote:
@FinStar wrote:
You can request a CLI around 6 months from the approved/open date. But, if you prefer to wait until the 6th statement generates, then that's definitely an option.
Hmm, You have me thinking now. The card was opened August 28th 2021---1st statement cut Sept 16th, so I figured the February 17th statement was the 6 month mark, as I will have 6 full statements posted tommorrow, but in actually doing the math, actual 6 months is not until Feb 28th---12 days after the Feb 17th statement?????---------so @FinStar ---whats should I do to maximize my chances of a CLI?.......wait until the 28th?
Since the account was opened on 8/28, I would wait at least until 2/28 (or a few days after) to ensure it's not requested too prematurely. Comenity store cards typically have less strict timelines since the CLIs can be requested after receiving the card. But, the V/MC, with a few exceptions, follow a bit of a different beat. If it were me, I'd try for it on 3/1 to be on the safe side.
Then, thats what I will do. You have WAY more experience on these matters than I do, and I respect that. I will wait till 3/1---here's a thought too, what if I go ahead and make a decent size purchase, say---$1200.00-$1500.00, and soon as it posts so I can pay it off, I will. I could do that before it goes on my the next statement balance so it shouldn't effect my Utilization---hell, its only at 2% now anyhow with 7 cards and 22K of credit. My thought process is--- if I can show I am using a substantial amount of the cards limit, that would help them justify a nice CLI, I made a $1250.00 purchase in January and only ran about $2600.00 since opened---whats your thoughts on that?
I mean, it wouldn't hurt since there can be times (although we don't see it reported too frequently) where Comenity V/MCs receive automatic CLIs based on usage. But, it is definitely coded internally that you are demonstrating responsible, active use of the card versus just using it for a pack of gum once in a blue moon.
FWIW, I have this same exact card and I was approved (coincidentally on the same date) back in 2015. I called the automated phone system on 2/29/16 and was approved for a $2K CLI. It has grown to $20K (with moderate usage) and that's where it sits today. After your first successful CLI request, then you can try again every 4 months.
