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Commenity and CLI increases

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reneasworld
Regular Contributor

Re: Commenity and CLI increases


@Anonymous wrote:

 

@reneasworld wrote:
 I am probably going back to the garden after today but wanted to see bigger limits on my credit cards. I do not have any installment loans and am thinking about purchasing a new car in about a year and the few derogs I had left should be falling off between now and March. I was hoping that maybe I would see increases at the same time. 

Some of the Commenity cards are more generous than others.  Depending on the card, the CLI button might work right away.

 

J Crew and Overstock cards worked for me right away on CLI

 

None of the others did.

 

If you want a nice way of getting an "installment" loan on your credit, apply for a $500 Share Secured Loan from Alliant for 60 months. 

 

Average Commenity CL was $250 for me.

 

Ann Taylor, Victoria Secrets, Brylane Homes and Overstock were more generous.


It varied for me, I received some $500, $350 or $250, an even distribution of each.  I will think about that installment option but I am trying to garden right now maybe when I come out in March Smiley Happy I have attempted on a couple and they tell me they are waiting to see how I pay but I am sure since I opened so many at one time they are waiting so I will wait it out until the beginning of the year or even around March when I may or may not come out of the garden. lol

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board
Message 11 of 12
chalupaman
Super Contributor

Re: Commenity and CLI increases

I don't have any other Comenity accounts besides my hidden TLs so I don't even know if they do CLIs on those or not. I heard that for Paypal Credit if you buy something over the limit, they can determine if I would be eligible for an increase then or something.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 12 of 12
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