Comenity Express Store Credit Card CLI

mchang124 · ‎03-06-2023

Little by little, this card is growing. lol. i've had this card since i started rebuilding my credit back in 2019. I had gotten this card using the "shopping cart" trick. This card gets maybe $50 of spend every year depending on offers i get from express. and i've been able to get incremental increases over the passed 4 years. started at $500 and is now a total of $4k (previous line was $3k)

Data Points:

FICO 8 EX 755/TU 777/EQ783 (CLI was a SP)

AAoA - 4 years

UTI time of CLI request - 2% of $185k

5/24 Status prior to application - 3/24

Stated income - $140k

Occupation - Consultant

“It’s nice to be important but it’s more important to be nice”

CreditMagic7 · ‎03-06-2023

Good Congratulations on your Express Store Increase!

M_Smart007 · ‎03-06-2023

Congrats on your Express growth!

SweetCreditObsession · ‎03-06-2023

Congratulations @mchang124 ! Let's hope that the CLI is a SP

(+102) |

(+106) |

nytokyobred79 · ‎03-06-2023

Congrats on your Express Store card cli.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

Yasselife · ‎03-06-2023

Congratulations on your CLI! @mchang124

Gardening since: August 11, 2025

CreditAggie · ‎03-06-2023

Congratulations on your Express CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

NoMoreDebt · ‎03-07-2023

congrats on the cli

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

JoeRockhead · ‎03-07-2023

Nice bump, and growth, congratulations on your Comenity CLI!

cashorcharge · ‎03-07-2023

WooHoo!! Congratulations on your Comenity Approval!!👏🏼🍾🥂