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Comenity CLIs

Valued Contributor

Comenity CLIs

They use to come more often, but after 3 months since the last set I got $500 SP bumps for VS, JCrew, and Buckle.
Still not bad growth; JCrew has the most going from $250 initially about a year ago to over $14,000
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 1 of 7
Regular Contributor

Re: Comenity CLIs

Having a tough time getting CLIs with them. I have 4 comenity cards that just had their 5th statement. I've asked for increases on 2 of them and they keep saying my history with them isn't long enough. I always PIF and use under 30% of the limit. I havent entered my social on the site as I don't want a HP. I'll try the love button again after statement 6.


Any helpful tips?

July 17' - Scores 480s across the board
Fico Scores
Jan 18' - Exp 542 Eq 532 Trans 540
18' - Exp 642 Eq 649 Trans 660

Bank Cards - NFCU Cash Rewards $10k, NFCU Platinum $2000, NFCU MR $1000, Amex Delta Gold $1000, Discover IT $1000, Cap1 QS1 $300, Credit One $550, Primor Secured $250
Store Cards - Ikea Project $5500, Lowes $5000, Amazon Prime $5000, Fingerhut $1400, Jcrew $1020 - Other Comenity Cards $1400

Currently under contract for my first mortgage!
Message 2 of 7
Valued Member

Re: Comenity CLIs

My Comenity store card CLI’s have been utterly without rhyme or reason but my two Visas with them have settled into a pattern: six months for the first CLI, followed by $800 SP luv button increases every four months. I’ve never tried for a CLI through the RoboLady.


With my J. Crew and GameStop cards I’ve been given CLIs anywhere from $500 to $800 a pop and at intervals from as little as ten days to as much as ninety days apart. A fellow board member said that they received a letter from Comenity stating that the GameStop card caps at a $3000 limit and that’s where I’ve been stuck since February. The J. Crew card is indeed generous. I’ve gone from an SL of $750 to $5050 in a year.


I’ve always PIF every cycle and practiced less than 10% utilization with them, with the glorious exception of my Sportsman’s Guide Visa which was around 90% for the last six months until yesterday when I finally PIF’ed that sucker. Through it all they still gave me CLIs. Comenity gets a rap for their wild duality of behavior but with me they’ve always been Banner instead of Hulk.

Message 3 of 7
Senior Contributor

Re: Comenity CLIs

Congrats on CLI

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 7
Valued Contributor

Re: Comenity CLIs

Congrats on your increases!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 5 of 7
Established Contributor

Re: Comenity CLIs

Im scared to request now that they've changed the language on the cli page. Basically stating they will hp if they want to.

My limits have went from

300 to 3k GS (stuck there)

800 to 4.95k Buckle

5k to 19.8k OS


I got these cards late 16 and i don't even use them. I just send them $1 every now and then to show usage. 

2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 6 of 7
Frequent Contributor

Re: Comenity CLIs

From a letter i received, gamestop's credit card limit only goes up to $3000.   

FICO 8 10-17-2016 Equifax 634, Transunion 673, Experian 631

Quicksilver one, Cap1 Secured, Amazon Prime, DiscoverIT, Best Buy Visa, Paypal SC, Walmart Store, VicSecret, Jcrew, Gamestop, Barclays Apple, Target, Eddie Bauer, Overstock
Message 7 of 7
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