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comenity-creditaddict

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juggalo9er
Valued Contributor

comenity-creditaddict

just obtained my first commenity store card, when can you request cli's and do their store cards tend to gradaute?

Message 1 of 11
10 REPLIES 10
aav
Established Contributor

Re: comenity-creditaddict

I don't have a store card I have total rewards Visa but I was able to get a credit line increase before I got the card. I created the account online and hit the LUV button.

EQ - 834 TU - 823 EX - 822
Amex NPSL Amex BCP - 25,000, Amex EDC - 12000, Diner's Club Premier -35,000, Ritz Carlton - 22,500 Discover 25,100, Chase Reserve -31,000 Total Rewards 13200, Barclay 10000 Citi Diamond P 8,900
Message 2 of 11
mrsjr
Regular Contributor

Re: comenity-creditaddict

I just got the Overstock store card yesterday.  I hit the luv button a few minutes ago and got a CLI.  I'm not sure about graduation, though.



Starting Score: 601
Current Score: 739 TU
Goal Score: 800


Take the myFICO Fitness Challenge
Message 3 of 11
chalupaman
Super Contributor

Re: comenity-creditaddict

If you have any of the BML Comenity accounts, the only way to get a CLI on those is to actually make a purchase over the limit.

 

I'm sure it's completely different with other Comenity cards but just throwing that out there if you ever wanna get one of those.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 4 of 11
Anonymous
Not applicable

Re: comenity-creditaddict


@chalupaman wrote:

If you have any of the BML Comenity accounts, the only way to get a CLI on those is to actually make a purchase over the limit.

 

I'm sure it's completely different with other Comenity cards but just throwing that out there if you ever wanna get one of those.


Hidden tradeline, Overlimit is no big deal Smiley Tongue

Message 5 of 11
SunriseEarth
Moderator Emeritus

Re: comenity-creditaddict


@juggalo9er wrote:

just obtained my first commenity store card, when can you request cli's and do their store cards tend to gradaute?


Varies with each product.   I had to wait 9 months to get my first CLI on VS and Gold Violin.   I waited all of 9 minutes to get my first CLI on Overstock.



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Wayfair MC $9500 |~~
Message 6 of 11
juggalo9er
Valued Contributor

Re: comenity-creditaddict

its the meijer card if that helps at all

Message 7 of 11
B335is
Moderator Emeritus

Re: comenity-creditaddict

Comenity hands out CLI differently for most cards. Total Rewards and J Crew were instantly after approval. Back when i had Express it was 9 months. AKC card was 4 months. I have no experience with Meijer though, but you can try and it should just be a soft pull. Ive never read about it graduating.
Message 8 of 11
juggalo9er
Valued Contributor

Re: comenity-creditaddict

requested cli last night...denied will do ti every month for data point

on another funny note

i had to do identity verification through them, was asked standard questions like who is your car financed through, when did you buy it ....the norm!

then i was asked my zodiac sign like **bleep**!!!!!!!!!!!

Message 9 of 11
Creditaddict
Legendary Contributor

Re: comenity-creditaddict

I'm not sure on upgrades since I don't hold any of the store cards that they offer both store and visa... HSN was the only one but they stopped offering the MC Smiley Sad

 

You can be the tester but I know they can be like GE where you can later apply agian and possibly get the Visa or get a 2nd store card!

 

The Marathon Gas card they back is like this at least based on posts I have read.

Message 10 of 11
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