Comenity is weird

[Anonymous]

On the road to rebuild, opened up 4 accounts with Comenity. Two SCT with Marisota and Simpy Be, just to try it out after I saw it on a website.. immediately got $200 each. Tried the CLI button and got a message. Applied at Buckle and Express, no deal on SCT, but pulled the trigger on hard app and amazingly got approved for both, $250 each. After purchasing one item for $25 on Marisota, paid the min payment and tried CLI again. Increase to $300 2 weeks later. Tried both accounts for two months, got increased $100 each time. Did the same for Buckle and Express, no dice. Fast forward to today and I have gotten auto increased to $650 for both the soft pull accounts, and cannot for the life of me get an increase for Express or Buckle, which are cards I am actively using and then paying off (almost all the balance) each month. What gives?

[KneelBeforeZod]

How long have Buckle and Express been open? It's possible that a policy on one store card may differ than the other.

Example - when I was rebuilding, I leaned on Synchrony and had Walmart and Amazon. I could count on consistent CLIs from Walmart but only got one CLI from Amazon...ever.

Your mileage may vary between branded store cards. That's how I look at it.

[FinStar]

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@KneelBeforeZod wrote:
How long have Buckle and Express been open? It's possible that a policy on one store card may differ than the other.

Example - when I was rebuilding, I leaned on Synchrony and had Walmart and Amazon. I could count on consistent CLIs from Walmart but only got one CLI from Amazon...ever.

Your mileage may vary between branded store cards. That's how I look at it.

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+1

AFAIK, Express and Buckle would typically become eligible for CLI at the ~9-month mark.  That is unless you're using the cards heavily and they automatically grant you a CLI before 9 months.

[designated_knitter]

Love the title of this thread...

Here's a pro-tip (which I'm kinda embarrassed to share!):

If you are ever late and they call robo-call you every 10 minutes (quite literally) AND if you actually answer AND they wind up putting you on hold for over 5 minutes when THEY CALLED YOU -- don't swear at them (even though by this point you are probably really really aggrivated).  They will lower your CL.

I had a card that was less than a week overdue.  It was Sunday and was getting a call quite literally every 10-20 minutes from a 913 area code.  Having a friend who lives in the 913 area code and thinking she was trying to get ahold of me (elderly sick mom), I answered and was put on hold with no indication of what company it was.  I was on hold for well over 10 minutes and finally get connected to a customer service rep who was very difficult to understand.  

Needless to say, I was pretty annoyed at this point... if you are going to call me, the don't put me on hold!  And don't call me so frequently on a Sunday.

So -- I told them that I really didn't appreciate their calling my house every 10-20 minutes and when I DO answer, they put ME on hold for over 10 minutes and that was really rude... used the F-bomb a couple of times.

The next day, I get an alert and they lowered my CL from 300 to 190.  I can't PROVE that it was the phone call that wound up in the CLD... however, all other comenity card limits remained the same.

So learn from my mistake:

• NEVER EVER go late even by a few days or they will light up your phone relentlessly.
• If you do answer, don't lose your temper even after THEY call YOU and put YOU on hold or they will lower your credit limit.

Maybe they aren't so weird... because I realize my swearing at them was inappropriate... however they have ensured that a) I will never be late again and b) I will essentially sockdrawer their credit cards.  Buy some socks every few months and PIF so they don't make a cent off me.

cheers from designated_knitter who has a very very bad potty mouth!

[Anonymous]

All 4 accounts opened in August last year, so 6 month mark next month. Just thought it was interesting that the SCT accounts freely gave increases and the hard pill accounts didn't. I'll keep waiting for that 9 month mark I guess

[FinStar]

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@Anonymous wrote:
All 4 accounts opened in August last year, so 6 month mark next month. Just thought it was interesting that the SCT accounts freely gave increases and the hard pill accounts didn't. I'll keep waiting for that 9 month mark I guess

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Well the Express and Buckle CCs can be SCT - just depends on the profile since some individuals have gotten them that way vs cold app.  I got both of those long ago (since closed) as pre-approved offers via SCT.  Generally, some Comenity CC partners take a while to grow in the beginning while others grow like wildfire from the get-go.  Just be patient with your profile and in due time you could be surprised with a CLI.

[Anonymous]

I have the SimplyBe card. i got it from SCT and was given a $200 cl. I just made my first payment and was increased to $300. I only made the minimum payment because I had to return some items so that took me down to almost a zero balance.

I can't get approved for anything else through them though! The only one I really want is Brylane. Maybe in time.

[ErikaC1]

I opened my Express card in May 2015 and was hitting the CLI button every other week to no avail. They gave an increase in December. That one is a toughie compared to my  VS and New York and CO card. 

[Anonymous]

I have paid after the due date for Express a couple times just because it lined up with payday, but I don't think I got any crazy calls. I do get random calls here and there but nothing like what you're describing. Still good to know.