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Overstock Approved - Advice / should I try for CLI

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Established Contributor

Overstock Approved - Advice / should I try for CLI

I was approved for an Overstock Card on 8/10 - $250/Limit. Not complaining about the limit, but I want to take advantage of possible increases in limit. I have no intention of racking up debt. I started my rebuild in May 2019. Question is should I try for CLI to help my utilization? I don’t want to rack up hard pulls. Advice please.

CARDS: Discover It | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | NFCU CashRewards | NFCU More Rewards | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
3 REPLIES 3
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Valued Contributor

Re: Overstock Approved - Advice / should I try for CLI

Go for it!




RIP: BTFD 20/02/2020
Gardening is hard. I failed to meet last 2 SUBs.
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 2 of 4
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Established Contributor

Re: Overstock Approved - Advice / should I try for CLI

Thanks. I want to take advantage of what this card could do for me. Thank you for responding.

CARDS: Discover It | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | NFCU CashRewards | NFCU More Rewards | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 3 of 4
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Frequent Contributor

Re: Overstock Approved - Advice / should I try for CLI

Overstock is almost always a SP for CLI (as are most comenity cards). I would wait until you have made a payment on the account and a statement has cut first.

I received my first CLI on Overstock card 60 days after opening, then every 31 days until $5k limit then it went to every 65 days I get one YMMV.

All of my Overstock CLI's have been SP; DW went from $2,500 to $8,500 with a HP with no warning of possible HP for increase (which is why I warn HP for CLI is possible).
Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


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