Successful Comenity Recon

[Anonymous]

I've had my Express card for nearly a year and haven't been able to get a CLI until today. I tried a few weeks ago with the LUV button and it denied me. I got my letter today in the mail and it said they were using a credit report from January. Since January I've significantly paid down my credit cards to about 11% utilization. My Express card has rarely had a balance on it. 

I've read through the forums that people don't have success with reconsiderations for Comenity. Figured I'd give it a shot anyways. 

I called the number on the letter I received and explained to the lady how I've been a good customer, always paying on time, and how I would love to use my card more but I can't because Express has higher priced clothing and $250 simply isn't enough to get a good shopping trip in. She understood and she was able to refresh my credit report to a new one from today! I was approved for a $200 credit limit increase. It wasn't much but it was something, which is a lot more than I've been getting from them. After I hung up the phone, I went online and hit the LUV button, as I've seen people say they hit it multiple times with comenity to get a MAX increase. I was given another $200. I tried again and got the 7-10 day message. 

Just figured I'd share so that people know RECON'S with Comenity are possible. If they are pulling an old report for your CLI's just give them a call and see if they will pull an updated one. Thus far I've not received any alerts on my credit monitoring sites for a new hard pull. Complete success! 

[Pway]

The doors opened for me on this card after about nine months.  This is the typical time line for this card.  I have used this card to the max.  I started out with 250 and now currently at 2650.

[RonM21]

Congrats on the increases!

[Anonymous]

According to other posters on myFICO, calling in for a CLI with Comenity can trigger a review of your accounts and credit reports, and possibly lead to adverse action such as the closing of your accounts with them.

Just something to keep in mind.  

[kdm31091]

Let's not spread too much paranoia. Yes, the shutdowns are unfortunate, but it's not like calling for a CLI just leads to a random shutdown. Remember, there's always a reason for adverse action, be it too many new accounts, high balances, etc.

[Anonymous]

Are Comenity CLI's HP or SP?

[Anonymous]

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@Anonymous wrote:

Are Comenity CLI's HP or SP?

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They are soft pulls. 

[Anonymous]

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@Anonymous wrote:

According to other posters on myFICO, calling in for a CLI with Comenity can trigger a review of your accounts and credit reports, and possibly lead to adverse action such as the closing of your accounts with them.

Just something to keep in mind.  

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+1. Best not to contact them if you don't have to based on what others have experienced. It can potentially be like poking a sleeping bear.

Congratulations on your increase, OP!

[Meanmchine]

Congrats OP !!   Last month i got my first CL! ( luv button ) on my HSN card.  After reading how you got your approval and went back afterwards and hit the luv button for more, i hit the luv button on my HSN card and just got a $200 kiss.  THANKYOU

[Anonymous]

Congrats on your success !!