(What I Think is an Interesting) Data Point for Comenity Backed Card CLI Requests

[policebox]

I obtained a J.Crew Credit Card Account pre-approval through the shopping cart method on 01/13/14. On 02/14/14 I hit the luv button requesting a CLI. I got the 7-10 day message and later received a decline letter giving me my internal Equifax credit score as of 01/13/14.

 

So I hit the luv button again on 03/23/14 and got the 7-10 day message. Today I received the decline letter and it again gave me my internal Equifax credit score as of 01/13/14.

 

So, on neither of my luv button presses was a new inquiry made to the CRA. They went back and used the same report/score from the original soft pull they made on 01/13/14. There have been several significant changes made to my Equifax report in the past two months, so the fact they do not look at a new report is disappointing.

 

Anyway, I thought I'd pass this data point along to the board.

Edited March 29, 2014 by policebox

[ding]

you generally have to wait 9 months before you get a CLI on a Comenity card. I say generally because a few members here have reported getting increases sooner, like around 4 months with good usage.

[policebox]

Some of the threads I read, people were hitting it multiple times in a day and getting increases. It sounded like they were giving them out like candy. But it's reassuring to hear that those were probably exceptions rather than the rule. Unfortunately I doubt I'll be giving either of my Comenity cards heavy use as I really can't afford to be purchasing anything beyond the bare necessities of life for the foreseeable future.

[backtobusiness]

They have never giving me an Equifax score in any of my cli denial letter!