1. You need to age those inquiries. Wait six months and have an Equifax score of at least 650 (They are Comenity backed, and Comenity loves Equifax pulls for new accounts)
2. Varies, mine was 1250 with a score of about 660 when I applied.
3. They do not do CLI by request, you have to attempt to exceed your limit and they will re-evaluate. It is a soft pull but if they deny it and you do not have backup funds, they might try to ACH your linked bank account. If they approve it, usually they will only increase your limit enough to cover the purchase. IE if your limit was 1000 and you were at 900 and tried to buy something for 101, they might actually only increase your overall limit to 1001. Or they might go higher, Comenity is a weird animal with CLI. There is anecdotal evidence of autocli yearly in the 1000 area.
Also keep in mind, Paypal does not report. (other than the hard inq from the opening of the account). Its a hidden tradeline, and will not help nor hurt your credit record. I use mine for regular online purchases so they dont affect my Utilization when I cant PIF that month (like for Xmas shopping where my spend exceeds my monthly budget)
But also remember it has a 19.99 interest rate, so it is NOT a cheap way to buy over time. Its almost as bad as Fingerhut or a store card in the long term. Its only real value, IMO, is the fact it doesnt affect Util. The six months deferred interest is nice, but if you miss paying off that purchase by the time those six months are up by even a day, they will nail you with ALL of the interest you would have accumulated without the deferral. Depending on the size of the purchase, that might amount to hundreds in interest, and i am not kidding. At 20 percent APR, a thousand dollar purchase would be 100 dollars interest in six months, more or less.
