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Comenity - Verification Process then SMALL Limit Approval

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Kixforpa
Contributor

Re: Comenity - Verification Process then SMALL Limit Approval

Thank you for the response. I advised him to give it a whirl and hit the LUV button once we create the account and if he is denied, we wait it out for 6 months.
~Rebuilding Our Lives~
Message 11 of 14
CreditAggie
Community Leader
Super Contributor

Re: Comenity - Verification Process then SMALL Limit Approval

Congratulations on DH approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (October 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 12 of 14
JR_TX
Valued Contributor

Re: Comenity - Verification Process then SMALL Limit Approval

Congrats on DH's approval! 

 

New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 8y1m | UTIL 1% - 4% | $300K+ Total Limits

Message 13 of 14
AndySoCal
Senior Contributor

Re: Comenity - Verification Process then SMALL Limit Approval

I would wait six months and put some light spending on the card then ask for a CLI.  I say this becasue the six months will give Comenity some payment history. I did a similiar thing when I was approved for a JC Penney card with the initial credit limit of a $100.00. In six months I asked for a CLI received a new credit limit of $600.00.  After a year I received 4X plus credit limit increase when I asked for a CLI.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
Message 14 of 14
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