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Comenity Total Rewards $4k CLI Success

Contributor

Comenity Total Rewards $4k CLI Success

I don't see much posted on this card anymore, so thought I would share some data points on my CLI success for those who may find it useful for either applying or seeking a CLI.

 

Last CLI was for $4K which took the card to $19.5K in Feb 2018. I did not request an increase until today.(I tend to give a bit of cushion on the 4 month rule). Another $4K today to $23.5.

 

Stats - Card opened 9/16 -(this is my only Comenity card and I have no store cards at all from any lender.)

Highest CL - Amex- $39.5K

Lowest CL - Wells Fargo- $800 Smiley Indifferent 

Scores at time of request: mid 700's

Inquiries: EQ8 -4 inq (one is Comenity coming off in Sept), 1 CC - 7/17, 1 Mtg- 8/17,  1 Auto-12/17

                 TU8 - 2 inq 1 Mtg -8/17, 1 CC - 7/17 

                 EX8 - 3 inq 1 Mtg -8/17,  2 CC - 7/17 

Usage - average swipes 5-10 per month. No large purchases and no big balances. Pay in full and leave a small balance for statement reporting. 

 

I know that most people do not like Comenity products and have no use for this card, but I have not had any issues. With that said, I think I am also pretty conservative in my credit seeking activity. Now to see if this is a soft or hard pull. I may apply for one more card, the Citi AA Advantage because I need the sign up bonus , but after that it's back in the garden....

Message 1 of 12
11 REPLIES
Frequent Contributor

Re: Comenity Total Rewards $4k CLI Success

Pretty sweet!  Congrats!

(TUfico8 816)--(EXfico9 809)--(EXfico8 808)--(TUvs3.0 772)- CL- Pers 200k+ util~4%|||Biz $100k+
NFCU cashRewards 10k--TDcash 5k--IHG 14.2k--BOA 15.5k--Amazon Prime Store 10k--Amazon PrimeVS 500--Amex Blue Cash Everyday 6k--WellsFargo Cash Wise 14k--PNC Core 10.2k--WalmartMC 10k--SearsMC 10k--Lowes 35k--Toyota 6.5k--Capital One 5250--BP 10k-----Home Depot 24.2k--Chase FU 6.6k--Discover 15.5k
BIZ- BOA CR $12.5k--Amex Plum NPSL--Amex SC+ $13.5k--Amex B4B $12k--Chase Ink $36k--PNC $25k
Message 2 of 12
Frequent Contributor

Re: Comenity Total Rewards $4k CLI Success

Nice DP's thanks for sharing..

 

Congrats!! Smiley Happy

Message 3 of 12
Valued Contributor

Re: Comenity Total Rewards $4k CLI Success

Congrats on CLI

7-2018 / Fico 8 EX 774 , EQ 781 , TR 785
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth 3rd Bank 12k , BofA 10k , Union Bank 5k
Message 4 of 12
Regular Contributor

Re: Comenity Total Rewards $4k CLI Success

Congrats on the approval!!Smiley Happy



Message 5 of 12
Frequent Contributor

Re: Comenity Total Rewards $4k CLI Success

Congratulations on the approvals!




Starting Scores (February 2018): EX- 519, TU- 530, EQ- 545
Goal Score: 700 across the board
Message 6 of 12
Established Contributor

Re: Comenity Total Rewards $4k CLI Success

Good for you.  I always try at exactly 12:16 am on month 4 and day 1.  I now always get $1,500 CLIs.  My two Comenity co-branded cards are spaced out exactly 2 months apart so it satisfies my itch getting a new CLI every two months.

 

I think I'll take a break from this schedule when my next CLI takes me above the $10k level on my Total Rewards.  Sportsman's Guide is already there.

Message 7 of 12
Valued Contributor

Re: Comenity Total Rewards $4k CLI Success

Nice CLI.  Thanks for the data points!  Approval posts are so much more useful with them.



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 8 of 12
Contributor

Re: Comenity Total Rewards $4k CLI Success


@CreditContractor wrote:

Good for you.  I always try at exactly 12:16 am on month 4 and day 1.  I now always get $1,500 CLIs.  My two Comenity co-branded cards are spaced out exactly 2 months apart so it satisfies my itch getting a new CLI every two months.

 

I think I'll take a break from this schedule when my next CLI takes me above the $10k level on my Total Rewards.  Sportsman's Guide is already there.


Thank you an$ it looks like you have a good handle on their system. I am in a good place with the limit and am always cautious about poking the bear. I think that is why I stretch out the request. Good luck on your next bump.

Message 9 of 12
Contributor

Re: Comenity Total Rewards $4k CLI Success


@4theLoveofPoints wrote:

Nice CLI.  Thanks for the data points!  Approval posts are so much more useful with them.


Thank you and I hope that the data points are helpful. I found others data points immensely useful so I hope to give back to this amazing forum. 

Message 10 of 12