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Surprising Comenity/Bread CLI

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ScarlettHusky
Contributor

Surprising Comenity/Bread CLI

Since I was on a roll with CLIs, I went and tried to get one on my Victoria's Secret Angel card (the tiny $100 limit was bugging me). The online request was immediately denied, and when the AA letter came I called the number on the letter. The agent transferred me to a supervisor, who then asked me some PIV questions. I asked if the CLI would be a HP or SP and they said it was a 50/50 chance, asking if I wanted to proceed. I gave the go-ahead, and got an approval to raise my limit to $900 effective immediately. While I did take a HP, what was surprising was that they pulled EQ. They're the lowest of the three bureaus score wise, but hey a CLI is a CLI so I will take it haha.

EX: 631 VantageScore FICO: 662
TU: 633 VantageScore FICO: 677
EQ: 640 VantageScore FICO: 633
As of: 4/22

Wallet:
Chase Disney Premier Visa CL $3,600 Extra Credit Builder Debit Card CL $3,000
Amex Platinum SkyMiles Card CL $12,000 NFCU Signature cashRewards Visa CL $11,000
Synchrony Lenovo Store Card CL $10,000 Citi Shell Fuel Rewards Card CL $600
Comenity Victoria's Secret Angel Card CL $900 BofA Alaska Airlines Visa Signature CL $6,700
Capital One Venture One World Elite MC CL $3,950 Quicksilver World Elite MC CL $5,400
Message 1 of 9
8 REPLIES 8
NoMoreDebt
Senior Contributor

Re: Surprising Comenity/Bread CLI

congrats 

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 2 of 9
FlaDude
Valued Contributor

Re: Surprising Comenity/Bread CLI

Congrats on the 9x CLI, even if it did cost an HP!

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 40 years, open: 30 years; AAoA: 14 years
Amex Gold, Amex Blue, Amex ED, Amex Delta Blue, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA, Sync Lowes, total CL 203k
Message 3 of 9
keekers
Valued Contributor

Re: Surprising Comenity/Bread CLI

Congrats.


Message 4 of 9
MissLiz
Established Contributor

Re: Surprising Comenity/Bread CLI

The HP risk paid off! Congrats!

“A woman’s best protection is a little money of her own.” – Clare Boothe Luce
Message 5 of 9
CreditAggie
Community Leader
Super Contributor

Re: Surprising Comenity/Bread CLI

Congratulations on your Comenity CLI!

Current Cards (in order of approval):


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

Message 6 of 9
FicoMike0
Senior Contributor

Re: Surprising Comenity/Bread CLI

Congratulations!

Message 7 of 9
nytokyobred79
Valued Contributor

Re: Surprising Comenity/Bread CLI

Congrats on your cli

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 8 of 9
Legally_Speaking2512
Frequent Contributor

Re: Surprising Comenity/Bread CLI

That's a nice little bump for sure. Congrats!

Starting Score: 570
Current Score: 643
Goal Score: 800


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Message 9 of 9
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