8 Months paid in full and no CLI option

[Anonymous]

Got approved on january for $1000.00 for the Room Place Card, used about 940.00 paid it off in 6 months and still no CLI option available. Even made a couple of calls and no CLI. am i missing something or is too early still? 

[FinStar]

IIRC, this is one of those Comenity furniture/private label cards that tend to provide a CLI option after 9 months (not less).  So, try and see if this is available for you during the next cycle/month.   Maybe others who have this same card can chime in.

[Anonymous]

I will check it out next cycle. I got a 1000 limit increase on my Cap one quicksilver just after 3 months so i was a  little worried about my Furniture card not giving me a CLI Option since it has been 8 months. Thanks for the reply.

[FinStar]

I'm not familiar with this card but do they provide you with an option to make small purchases (i.e. lamps, cushions, etc.) on a frequent basis or is it strictly a financing card for large purchases?  Hopefully you can provide some favorable results with the CLI in the next month for others who may also have this card. 

[Anonymous]

i havent seen any small items like that is usually furniture and such. i have seen so small tvs but their prices are not logical. Hopefully i get a CLI soon. i need new furniture but been waiting for a CLI to make a purchase. I will post a follow up if any CLI is available next month. thanks for your input.

[Anonymous]

A CLI is not a given regardless of what you charge. Does your credit and income support an increase?

[takeshi74]

CLI's are not simply exchanged for time.  With any creditor it's about one's credit and income versus the creditor's criteria.  Do not simply asu e that a CLI will come from X time paying in full.  Payment History is the biggest factor but payments are not the only consideration.  Your entire credit profile matters.

[kdm31091]

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@takeshi74 wrote:

CLI's are not simply exchanged for time.  With any creditor it's about one's credit and income versus the creditor's criteria.  Do not simply asu e that a CLI will come from X time paying in full.  Payment History is the biggest factor but payments are not the only consideration.  Your entire credit profile matters.

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Exactly, and we see it over and over where people say "but X amount of statements have cut! But I've always PIF! Where is my CLI?"

The point is that there is no guarantee of a CLI outside of very limited circumstances such as Cap One's credit steps program etc. Everyone raves about how generous Comenity is with CLI and I can't get one of my BJ's mastercard to save my life. It is what it is. There are no guarantees.