9 MONTHS AND NO CLI OPTION AVAILABLE

Anonymous · ‎09-02-2015

so i have a Comenity Card (the room place) which i opened back in january and got 1000.00 to purchase some furniture from which i spent 950.00 i PIF in 6 months after that. Im very surprize that its been 9 months and i still have not had an option online to request CLI and even when i call i get turned down. the other comenity card that i have (gamestop) has given me 2 Clis in less than a year the first cli for this card came on the 8th month (online request) . Im very confused... any comments would be appriciated.

SunriseEarth · ‎09-02-2015

Have you tried calling in?

Anonymous · ‎09-02-2015

I believe I have done everything possible with no luck.

SunriseEarth · ‎09-02-2015

@Anonymous wrote:
I believe I have done everything possible with no luck.

If your signature scores are current, that might be affecting your availability to request CLI. I wasn't able to get a 4-digit CL on any of my accounts until I was mid-600s (JCP was the first to get me there!). In actuality, you're actually doing fairly well. Hopefully others who've had direct experience can offer more input.

Anonymous · ‎09-02-2015

you know i thought about that but if im not mistaken i had lower scores when i applied for the card back in january so i would not expect that to be the reason but again you never know. this credit finacial business is a mistery sometimes. either way i have decided to wait for my scores to go up more and try again later on (like if i had any other choice lol). thanks for all your inputs i appriciate it a lot.

FinStar · ‎09-02-2015

@Anonymous wrote:
you know i thought about that but if im not mistaken i had lower scores when i applied for the card back in january so i would not expect that to be the reason but again you never know. this credit finacial business is a mistery sometimes. either way i have decided to wait for my scores to go up more and try again later on (like if i had any other choice lol). thanks for all your inputs i appriciate it a lot.

This is probably the best route for now. You can try monthly or wait until after 12 months. IIRC, in your previous thread you had tried at ~8 months but it yielded no movement. In the world of credit, sometimes things can take time depending on the CC product or lender. Just keep doing the right things to improve your profile and maybe in a few months you'll get the CLI.

http://ficoforums.myfico.com/t5/Credit-Cards/8-Months-paid-in-full-and-no-CLI-option/m-p/4182544#M1184931