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Comenity & Synchrony CLIs

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M_Smart007
Legendary Contributor

Re: Comenity & Synchrony CLIs


@19eighty5 wrote:

@Meanmchine wrote:

Congrats on your CLIs.  Sorry about WS


Eh, It's just not meant to be!

 

In hindsight, I shouldn't have applied for the card but was desperate for new accounts reporting positive tradelines. Lesson learned.


@19eighty5  None of us have arrived and we are all learning.  I can promise you  .. I have made tons of mistakes.

and probably will make a few more Smiley Indifferent

Message 11 of 23
chiefone4u
Established Contributor

Re: Comenity & Synchrony CLIs


@19eighty5 wrote:

I went through my normal round of monthly CLI requests last night and Comenity and Synchrony both showed some love!

 

Overstock: $2,300 ($995 balance) increased to $3,100 - $800 CLI

Wayfair: $2,300 ($0 balance) increased to $3,100 - $800 CLI

Williams-Sonoma: $250 ($0 balance) - No soup for me (it's probably wise to cancel this card at this point; no usage from me)

CareCredit: $7,000 ($445 balance) increased to $8,000 - $1000 CLI

 

3 out of 4 approved -- not bad! So far, I'm yielding CLIs every 6 months on both the Comenity and Synchrony accounts. Williams-Sonoma has yet to budge, but I also don't spend anything on the card. I have a plan to close the WS card along with a few others that are sock-drawered once we secure a mortgage.

 

Scores are up to date in my signature. Aggregate utilization hovering around 41% (I know... I'm aggressively paying these down) although declining rapidly.


Congratulations on the CLI's!

 

For me, Williams Sonoma didn't show any love until 6 months and 15 day's after opening (even though I had other Comenity accounts over a year old when it was opened); after the first increase, I only had to wait 90 day's for the next on... since then they give me an increase every 61 day's (went from $500 opening limit to $11,450 in 1y 8m... I spent $650 in that time).

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 12 of 23
Anonymous
Not applicable

Re: Comenity & Synchrony CLIs

Congrats on your CLIs.

Message 13 of 23
Anonymous
Not applicable

Re: Comenity & Synchrony CLIs

Congrats!

 

It seems like WS cards can be a bit of a hassle to grow sometimes from what I'm reading. 

Message 14 of 23
Ficoproblems247
Valued Contributor

Re: Comenity & Synchrony CLIs

Nicely done! Enjoy a little extra util padding! Smiley Happy 





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 15 of 23
19eighty5
Senior Contributor

Re: Comenity & Synchrony CLIs


@M_Smart007 wrote:

@19eighty5 wrote:

@Meanmchine wrote:

Congrats on your CLIs.  Sorry about WS


Eh, It's just not meant to be!

 

In hindsight, I shouldn't have applied for the card but was desperate for new accounts reporting positive tradelines. Lesson learned.


@19eighty5  None of us have arrived and we are all learning.  I can promise you  .. I have made tons of mistakes.

and probably will make a few more Smiley Indifferent


@M_Smart007 we're all fighting the good fight! Honestly, I'm just thankful to receive ANY CLI in our current environment.

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 16 of 23
19eighty5
Senior Contributor

Re: Comenity & Synchrony CLIs


@chiefone4u wrote:

@19eighty5 wrote:

I went through my normal round of monthly CLI requests last night and Comenity and Synchrony both showed some love!

 

Overstock: $2,300 ($995 balance) increased to $3,100 - $800 CLI

Wayfair: $2,300 ($0 balance) increased to $3,100 - $800 CLI

Williams-Sonoma: $250 ($0 balance) - No soup for me (it's probably wise to cancel this card at this point; no usage from me)

CareCredit: $7,000 ($445 balance) increased to $8,000 - $1000 CLI

 

3 out of 4 approved -- not bad! So far, I'm yielding CLIs every 6 months on both the Comenity and Synchrony accounts. Williams-Sonoma has yet to budge, but I also don't spend anything on the card. I have a plan to close the WS card along with a few others that are sock-drawered once we secure a mortgage.

 

Scores are up to date in my signature. Aggregate utilization hovering around 41% (I know... I'm aggressively paying these down) although declining rapidly.


Congratulations on the CLI's!

 

For me, Williams Sonoma didn't show any love until 6 months and 15 day's after opening (even though I had other Comenity accounts over a year old when it was opened); after the first increase, I only had to wait 90 day's for the next on... since then they give me an increase every 61 day's (went from $500 opening limit to $11,450 in 1y 8m... I spent $650 in that time).


@chiefone4u you know, I was expecting a timeline similar to yours. However, it took Overstock 1yr+ for the first CLI; Wayfair was 6mos for the first CLI; Williams-Sonoma... well here we are 18 mos in and still waiting. I've got a better shot at the lottery than a CLI on this card, LOL.

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 17 of 23
chiefone4u
Established Contributor

Re: Comenity & Synchrony CLIs

Sorry to hear.

 

I guess it truly is love at first sight or no love at all with Comenity. 

 

Don't take it personally. My wife can't get more than $250 limit from Comenity, but Amex tosses her $6k opening limits, US Bank gave her $3k and BoA gave her $8k with no previous relationship... I think Comenity does the low limit with no growth for profiles that other banks love.

 

Best of luck.

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 18 of 23
Anonymous
Not applicable

Re: Comenity & Synchrony CLIs

Congratulations on your CLI's! 👍

Message 19 of 23
nuohlac
Valued Contributor

Re: Comenity & Synchrony CLIs

Congratulations on your CLI's 3/4 isn't bad.

 




Message 20 of 23
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