Overstock CLI, and some data points

[DeeBee78]

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@Anonymous wrote:

Congrats! I wonder if the Comenity Bank handles BJ's Perks MC differently. I can't get a CLI with them. It's a new card and not bad limit, so that could be it.

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It's definitely a YMMV sort of thing. I didn't start getting CLI's on my comenity cards until they were a few months old. My Barney's card (backed by a different branch of Comenity) got a $10k increase after 30 days. My Express card has been at $500 since I got it in March. 

[Jeff532003]

Cap I was denied at around 25 days. I had also received the extra 300 bump at sign up. Tried again about 10 days later and received another 300 so 31 days sounds accurate.

Steel- I was unable to get a CLI on my BJ's card until after 6 months. I used it somewhat heavily in that time as well. When it finally went through last week it was a $500 bump.

[Anonymous]

I opened my overstock account in December.  I have gotten a $200 ncrease every month. I only used the card once for a $25 shower curtain.  In June things went haywire.  I went for my normal cli around the 15th. Declined and just the typical 7-10 day message.  I figured my days were just off and was going to try again in a few days. I got an alert in credit karma that I had a new hp from Comenity/OS. I was shocked so I called.  The said my Experian was frozen so they pulled TU and EQ. This made no sense.  Nothing is frozen. The rep said I could write a letter about the inquiry and ask it be removed.   I did since they did a soft pull first.   No reason for the hp.  Both pulls show on my reports.  I haven't heard anything but not pushing it because we close on our new house this week. To make matters worse, they did the same thing with my total rewards visa.   So I have 2 new inquiries for nothing. I will dispute it with TU and EQ if I don't hear back soon.

l did get my increases though, $400 for overstock and $2k for Total Rewards Visa - a week after that crazy fiasco.

[yoyo]

My statement hit on the 15th..I use my card to buy birthday gifts...finally got a $200 bump yesterday..over 31 days for me....I did try a few times after the statement hit..

[-Cal-]

congrats on cli

[Anonymous]

Congrats! I've blindly try for increases and not writing them down. is there a way to find documentation on what day you've already tried these increases with the denials? the day the letter was a day or two after your attempt?

[slund5499]

I got my overstock account in December. Got monthly CLI of $300 in Feb, Mar, Aor, May and June. 

I have not had a CLI since June 6th. Try every 4-5 days and get 7-10 message. Denial letter states a recent credit increase was noted on the account.

Online luv button, and phone attempts all are denied.

Around Juny 3rd, my fico scores started to tank a lirttle. Generally I saw a 20-25 ppoint drop across all 3 scores due to jump in utilization.

Since that drop....I have been denied on all my commenity account for CLI. I have 11 accounts. Only account that carries a balance is overstock. My overstock utilization is 14% on a $1,450 CL.

I am starting to think that CLI with commentiy are tied to FICO scores. Just my opinion.