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cv91915

Master 2019 Approvals and CLIs Thread

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How often do you try to get CLI? Also how do you request? Specifically speaking about Comenity Cards (Overstock). Thanks for your help


Hi, usually every 2-3 months, if I remember. I just do online but phone works, too.

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On 2/11/2019 at 4:46 PM, HoneyB123 said:

AmEx BCE $4,000 instant approval! This is my first American Express card and I'm 6 years and 1 month post BK7, so I've been waiting patiently to apply and I'm delighted. 

First of all, congrats!  I am envious!  I don't necessarily want a ton of cards or CLs but I do want an AMEX again after my BK.  Did you count the six years from when you filed or from when debts were discharged?  Next month will be four years since my discharge.  I have heard not to try to apply for an AMEX card until at least five years have passed but not sure from which point (filing or discharge).  

 

Congrats again!

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34 minutes ago, sangha44 said:

First of all, congrats!  I am envious!  I don't necessarily want a ton of cards or CLs but I do want an AMEX again after my BK.  Did you count the six years from when you filed or from when debts were discharged?  Next month will be four years since my discharge.  I have heard not to try to apply for an AMEX card until at least five years have passed but not sure from which point (filing or discharge).  

 

Congrats again!

I waited six years from discharge, which I read somewhere here was my best bet, and had no other apps/inquiries for 12 months prior. I've also read your EX FICO needs to be over 700, not positive about that but mine was. The great thing about AmEx though is the prequalified offers page on their website, so you don't have to blow an inquiry with your fingers crossed. Good luck!!

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3 hours ago, minnie aubre said:

 


I hate the mall now.

High school was a different story.

 

I love my Dress Barn Amex!

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23 minutes ago, hegemony said:

how about your Hot Topic Discovery?

Loaded that into Sbarro Pay over the weekend!

 

(we may need a master thread)

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3 hours ago, minnie aubre said:

Does Cinnabon offer a card?  I would rather fill up on that.

Or Hot Dog on a Stick.

Edited by cv91915

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8 hours ago, cv91915 said:

Or Hot Dog on a Stick.

I forgot about that place!  Are they still in business?  They had pretty good lemonade.

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On 2/14/2019 at 11:18 PM, minnie aubre said:

I forgot about that place!  Are they still in business?  They had pretty good lemonade.

They may have followed in the footsteps of Orange Julius.

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Applied for Overstock card thru Comenity Bank. Approval was $700. It's my 3rd card with them at $250-$500 and now $700, so hopefully, they will CLI for me as we go. Payments will always be perfect going forward. 

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12 hours ago, peghede said:

BMO Harris MC $25000 SL ( HP -TU & EQ

Now you're just showing off... But really, It is very impressive to see these results. Inspiring and motivating! Thank You

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19 hours ago, peghede said:

Bank of America $60000 ---->$10000 ( HP

A $50k reduction in the CL and a hard pull? That sucks! Sorry M8. 😢

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1 hour ago, peghede said:

Nordstrom Visa Signature SL $15000  ( HP EXP

congrats on the Student Loan from Nordstrom!

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