A Few Comenity Increases!

[Anonymous]

Congrats!!!!!

I don't have a single acount with comenity bank. Any advice which card is a good place to start??

MyFico: EX: 726, TU: 719,  EQ:710

[Anonymous]

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@Anonymous wrote:

Congrats!!!!!

I don't have a single acount with comenity bank. Any advice which card is a good place to start??

MyFico: EX: 726, TU: 719,  EQ:710

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Your scores are very good, I would go for their Visa or Mastercards.  Go into Comenity website and the drop down box will list all of their credit card accounts.  There are many store cards, but unless you actually shop there, I'd leave them alone.  COmenity is known for the SCT, and with your score most cards will be easy to acquire , just don't open too many at one time.   Recently Comenity have been auditing and closing accounts.  

With your scores you may want to look at other lenders as well, Chase, Discover. Amex, BOA or some Credit unions as well.  Good luck!

[Anonymous]

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@Anonymous wrote:

Congratulations!

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Thanks Musiclover!  I see you have been gardening for a month now, how are you holding up? lol!   Next weekend will be a month for me since my last app and I am shaking like a leaf.😂😂. The withdrawal is taking its toll, lol!  I'm trying to hold out till the new year, but I just don't know.  I will work on the CLi though and maybe that will be enough.

[Country_Feller]

Congratulations!!!

[ddemari]

Congrats! Dang that Modell's Visa, hopefully they will quit being stingy and give you a CLI soooon! 

[Anonymous]

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@ddemari wrote:

Congrats! Dang that Modell's Visa, hopefully they will quit being stingy and give you a CLI soooon! 

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Lol, lol, isn't that the truth, a bunch of Scrooges!  Thanks.

[klrmac]

If you used JCrew at all, I got them up to $4500 from $300 by buying a pair of shoes for my son for $60. Then after I paid that off, I requested credit limit increase after the next cut and boom $4500. 

Now I let it sit for available credit on the CR.

I only use it once in a while for shoes, I refuse to pay $148 for a men's shirt.

[Anonymous]

Congrats, I don't have a single Comenity card! Even though they have a few stores I like...how are they on CLIs in general?

[Anonymous]

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@Anonymous wrote:

Congrats, I don't have a single Comenity card! Even though they have a few stores I like...how are they on CLIs in general?

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In my opinion, they are definitely not as generous as Synchrony.  They pull EQ for the majority of their cards.  Their Visa and Mastercards are ok, there is no back door number to call for increases unless you want a HP.   They are number one when it comes to the SCT (shopping cart Trick).  The store cards, Overstock, HSN, Motorola, Serta bedding and some of the furniture stores offer very good starting limits, several thousands, but the clothing stores will average 500 to 700.00 limits.  

I opened several Comenity accounts doing my rebuilding stage, and I will be closing some early next year.  You can go to the Comenity website and inquiry into the many many businesses they represent.