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When to Request CLI on Bread Rewards AmEx (Comenity card).

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nwa479
Regular Contributor

When to Request CLI on Bread Rewards AmEx (Comenity card).

My last CLI for the Bread Rewards Amex (formerly Comenity MC) was on May 26, 2023.  This card just converted from the Comenity MC to an Amex card on 9/16/23.  Everything is essentially the same on their website.  Now there's a 2 month window to spend $750 to get $150 statement credit.  

 

Past increases for this card have been as follows:

$1250 to $2000 - 5/1/21

$2000 to $3500 - 10/30/21

$3500 to $5000 - 4/30/22

$5000 to $7500 - 5/26/23

 

The last couple I requested.  The first couple were auto-cli from Comenity. 

 

I've seen posts that some Comenity CC have had hard pulls recently for CLI, but all of mine have been soft pull.

 

My plan was to wait until after the November statement posted, showing completion of the required spend of $750.  Then hit the button for a potential CLI.  That would be 6 months from the previous increase. 

 

Any thoughts on current frequency of Comenity increases?  Soft pull or hard? Affect of this switching to Amex?  

 

Thanks

 


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Message 1 of 11
10 REPLIES 10
nwa479
Regular Contributor

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).


@nwa479 wrote:

My last CLI for the Bread Rewards Amex (formerly Comenity MC) was on May 26, 2023.  This card just converted from the Comenity MC to an Amex card on 9/16/23.  Everything is essentially the same on their website.  Now there's a 2 month window to spend $750 to get $150 statement credit.  

 

Past increases for this card have been as follows:

$1250 to $2000 - 5/1/21

$2000 to $3500 - 10/30/21

$3500 to $5000 - 4/30/22

$5000 to $7500 - 5/26/23

 

The last couple I requested.  The first couple were auto-cli from Comenity. 

 

I've seen posts that some Comenity CC have had hard pulls recently for CLI, but all of mine have been soft pull.

 

My plan was to wait until after the November statement posted, showing completion of the required spend of $750.  Then hit the button for a potential CLI.  That would be 6 months from the previous increase. 

 

Any thoughts on current frequency of Comenity increases?  Soft pull or hard? Affect of this switching to Amex?  

 

Thanks

 


From reading recent posts for Bread(Comenity), it looks like the frequency for CLIs are at 6 months. Most recent requests appear to be a soft pull. Unless I see otherwise, I'll submit  CLI in November.  


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Message 2 of 11
Larrypatty
Valued Member

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).

 Have had the card for 7 months and requested a cli last week. It was a soft pull and approved from 7.5k to 10k. 

Message 3 of 11
captainsensation
Regular Contributor

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).

Every six months has worked for me so far.

AMEX Delta SkyMiles Blue Card: 10K, AMEX Bread Cash Back: 12k, PenFed PCR: 17.5K, PenFed Gold: 10K, FNBO: 5.6K, CapOne Venture: 5.5K. Chase Amazon: 3K, Gamestop 3k, Best Egg, 2.5K, GM Rewards 2K, Apple Card 2.8K, Tomo 1K, American Express 19.5K (AU), Ally 1.8K AMEX BCP 1K
Message 4 of 11
nwa479
Regular Contributor

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).

Follow-up.  I requested a CLI online.  Approved for an additional $1500.  $7500 to $9000.  

 

Appears to be a soft pull.  No sign of any inquiries yet.  I called customer service before attempting the increase and the rep told me they could not tell for sure whether it would be a soft pull or hard pull.  Based on recent CLI requests posted here, it looks like most have been a soft pull since a few hard pulls last October. 

 

 


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Message 5 of 11
SUPERSQUID
Valued Contributor

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).

I had luck at 6 months, 6k - 8k = 2k cli.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 6 of 11
Shmike
Regular Contributor

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).

Hey just out of curiosity what was your spending like on the card? Did you find that you had to spend quite a bit to facilitate the increases? Thanks


FICO Score 8 as of 2/17/24:
Message 7 of 11
Shmike
Regular Contributor

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).

Sorry to put in I was just curious what's your spending like on the card? Do you feel you had to spend a lot on the card in order to get the increase? Thanks


FICO Score 8 as of 2/17/24:
Message 8 of 11
Shmike
Regular Contributor

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).

How you doing? I just recently got approved for this card with a $6,000 credit limit. I see in this thread that everybody seems to be getting clis every 6 months approximately. What's your spending like on the card? You feel like you have to carry a balance? Are you paying it off before it posts? Thanks


FICO Score 8 as of 2/17/24:
Message 9 of 11
SUPERSQUID
Valued Contributor

Re: When to Request CLI on Bread Rewards AmEx (Comenity card).


@Shmike wrote:

How you doing? I just recently got approved for this card with a $6,000 credit limit. I see in this thread that everybody seems to be getting clis every 6 months approximately. What's your spending like on the card? You feel like you have to carry a balance? Are you paying it off before it posts? Thanks


Just a tip, to receive a quicker responses and to let others know to whom you are directing the question to hit the quote button before you post.

I used my cards and still do for under 25 percent of cl or less, I carry a balance most times but pay weeks ahead of due date and if I can't pif I pay 2 to 3 times the minimum payment due.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 10 of 11
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