Comenity CLI

[MyDataMyChoice]

Curious

I have had excellent CLI history with comenity bank

my friend has not...

I pay using the website from my bank account... she pays in-store using cash...

I wonder if that makes a difference

[Anonymous]

Has she tried the luv button online?

She ever been late?

Issues with credit report?

[FinStar]

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@JTC403 wrote:

Curious

I have had excellent CLI history with comenity bank

my friend has not...

I pay using the website from my bank account... she pays in-store using cash...

I wonder if that makes a difference

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No, it does not make a difference.  A payment is recorded as a payment regardless of the source and type.  This points more toward your "friend's" credit standing or overall profile.  CLIs are not established by how you pay or the method.

[MyDataMyChoice]

She has a few charge off's

She has them when she was apprroved for the cards too though...

I think she was probobly late on her card once... but they waived the late charge...   

She is not the best at this credit game LOL

She doesnt think its safe to go online.... she uses the phone system

and she only wants to deal in CASH.... or Debit Card... lets not even go there....  she a nut LMAO

She wants to buy a house... and I am trying to help her get her credit back up there (she charged off bank of america, chase, and capital one) 

She had multiple GE Accounts PPMC and other store cards that she closed in good standing...

She still owes capital one 3,000 and it is a judgements..

strangly they just gave her a Quicksilver one MC (300 limit)

I told her to dispute, goodwill and PFD.... some has falled off

all happed in 2008

[MyDataMyChoice]

ANyone notice... returns count as payments too (well they satisfy the minimum due) they still accrue interest (duh)

[Anonymous]

That 1 late with them is all they need to not give her the CLI and her credit profile doesnt seem favorable even though they gave her the credit with that stuff doesnt mean shell get the CLI.

[Anonymous]

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@JTC403 wrote:
ANyone notice... returns count as payments too (well they satisfy the minimum due) they still accrue interest (duh)

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Lol...seriously?   I guess if I'm short on cash I just might give that a try if I need to make a "payment" as a last resort.

[Anonymous]

I have a pretty similar experience with my mom and me (with Comenity) She has been with Comenity since July of this year, her first card was Pacific Sunwear. She was in the store with my sister and decided to apply and surprisingly she was approved. She was just discharged BK7 1 year ago. She was approved $250.

Then me, my first comenity card was in September I got Victorias Secret and HSN about 1-2 weeks apart. The same time I applied for Justice (also comenity) and was denied. I never filed BK but I was rebuikding credit and had a few collections and 2 chargeoffs. My mom on the other hand was approved a Justice card in September, and she was approved a Victorias Secret Card in October both $250.

She always goes to the store and pays, I always pay online.She has been with Comenity for 4 months, I have only been with comenity for 2 months......I just got a CLI on my VS card only after 2 months of having it.......my mom has never received a CLI yet. So I went on and tried and she was denied on all.......so it got me thinking and looking into her accounts more and this us why

I always PIF, if I dont I pay about 4× the minimun due, my mom always racks her cards up and then just pays the minimum due....also when I logged into her oldest comenity account which is PacSun she has been late 2 times since she got the card in July and is still paying off the purchase she charged to it in July . For example she has $20 due and she was late so they hit her with a $20 late fee well a week later she will go into the store and pay just $25!!!! I have been trying to tell her and help but she wont listen. She just filed BK7 and she is going to screw herself over again. She just doesnt care, thankfukly she hasnt been more then 30 days late but this is just unacceptable. I just checked her PacSun account last night. Her November bill was due 11/22 and no payment so thats another late fee (it will be her 3rd one). Her justice and VS are due 12/2 (her first bill) so after looking into all this I now know why they dont want to give her a CLI....so I also believe it has a lot more to do with how they handle their accounts then how they pay. Some people will just never change. Im really considering taking over her accounts for her. Hopefully when I do and I tell her the bill is due give me the money to pay it she will. And when she gets hit with these late fees she doesnt care, she doesnt try to get them waived or anything.

[Anonymous]

Wow!! Sorry for the book lol just seen how long it was.

[MaisCher]

Comenity has had a random pattern for me. I have several cards with them since about 2010 Loft, Buckle, VS, NY&Co and just recently got the Express & JC.

I used the Buckle card once because it only had a limit of $250. I'm tall and I buy lots of pants there, but $250 is easily 2 pars of jeans so it was never worth it to use the card. In 4 years they never auto CLI me, but I hit the luv button out of curiosity on all my accounts a few weeks ago and got an auto increase to $350. I guess I could have been doing that all along. 

Loft I use often for work when they offer an additional discount then PIF online and in 2 yrs they've auto CLI me from $500 to $2100. I got $200 when I hit the luv button on this one.

VS again I only had a $250 credit limit and it didn't seem worth it to use. They auto CLI me to $350 and I got $100 when I hit the luv button

NY&Co started at $700 and I also used it a lot for work clothes but always PIF. My payments are due on the same day and I always open all my comenity windows and pay them at the same time. Somehow I missed this one one month. When they called, they told me they saw that I logged into the website but I didn't actually make the payment. I'm sure I closed the window thinking I was done. Also, I don't typically have bill collectors calling so I assume strange numbers are telemarketers and I don't answer. A practice I have since changed lol  I also rarely check my voicemail so I went 30 days late. They had auto CLI me from $700 to $2,800 over the years and they dropped it to $620 after that late payment :-( I got $200 when I hit the luv button on them.