Comenity - Bread Cash Back CLI - myFICO® Forums

madmann26 · ‎04-08-2024

This is my 2nd Comenity branded AMEX. It started off 9/2023 with a $2400 limit. This month makes 7 months, I pressed the love button and was greeted with a $1500 increase and it appears to be a soft-pull.

Current FICO 9 Scores

JoeRockhead · ‎04-08-2024

Congratulations on your Bread CLI!

keekers · ‎04-08-2024

Congrats.

user979797 · ‎04-08-2024

Yay congrats to you on your Bread CLI

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Traveler101 · ‎04-08-2024

Congratulations 🎊

gingerflower · ‎04-08-2024

Congratulations

CorpCrMgr1 · ‎04-08-2024

Congratulations on your CLI!

FicoMike0 · ‎04-08-2024

Congratulations!

SuperFlyEDSguy · ‎04-08-2024

Congrats! 🥳🍾 The Bread Cashback AMEX is actually one of my favorite cards, if only because it's so straightforward and simple! I really like strong 2% flat cash back cards and thankfully there's no shortage of them these days! Comenity seems to be pretty cool about CLIs with regular use! I also like their AAA Visa Signature Card as it comes with some really great perks! I mean 5% Cash Back on Groceries is a very strong bonus! They do have two different card options, the "Daily Advantage" works better for me as it's the one with the high grocery cash back; but they also have a "Travel Advantage" option that does its 5% on gas and/or EV charging stations. The only downside is that Comenity's variable APR is on the high side, so you just have to pay it off monthly to get the cash without the interest. Just a thought incase you're interested. Congrats again on your CLI!

My Current Credit Bio

Open Accounts: AMEX Gold Card: NPSL • NFCU Visa Signature Flagship Rewards Card: $20K • NFCU More Rewards AMEX: $19K • Fidelity Rewards Visa Signature Card: $15K (New!) • PayPal Cashback World Mastercard: $15K • NFCU Platinum Visa: $15K • U.S. Bank Altitude Go Visa Signature Card: $10K (New!) • Amazon Prime Store Card (Synchrony Bank): $10K • Discover it Miles: $9.5K • Bread 2% Cashback AMEX: $8,150 • Discover it Cash Back: $6.5K • Target Mastercard (AU): $6.5K • Dell Pay Credit: $5.5K • Truist Bank Future Visa Card: $5K • My GM Rewards Mastercard: $4.5K (New!) • AAA Visa Signature (Daily Advantage) Card: $4.2K • PayPal Credit (Synchrony Bank): $3,750 • AMEX Delta SkyMiles Platinum Card: $3.4K (Recent CLI from $1.7K!) • Kohl’s Card: $3K • Merrick Bank Double Your Line MasterCard: $2.5K • Walmart Rewards MasterCard: $2.1K • GS Apple Card: $1,750 • AMEX Blue Cash Preferred (BCP): $1K • AMEX Blue Cash Everyday (BCE): $1K

Closed Accounts: Target RedCard * (Please sir, may I have some more? NO!) • Mercury Mastercard * (APR hit 34.24%! Ouch!) • AMEX Delta SkyMiles Blue Card * (Don't need this AND the Platinum version) • Tomo Visa Signature Card (Low SL/CL, High APR!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, 28.49% APR) • Upgrade Card (Low SL/CL, APR was 29.99%!) • Aspire MasterCard (Subprime, Account closed due to inactivity!) • Various Capital One Cards * (Platinum, QuicksilverOne, Quicksilver, & SavorOne) (Buckets!!!)

Wish List: * USAA Preferred Cash Rewards Visa Signature Card • Synchrony Verizon Visa Card • M1 Plus Owner's Rewards Card • ~~AMEX Blue Cash Preferred (BCP)~~ • ~~NFCU Visa Signature Flagship Rewards~~ • ~~Discover it Miles Card~~

Current Credit Scores: *

FICO 9 last updated on 4/3, Vantage 4 on 4/2.

Current Select Stats:
• Current Scores Range: 700 to 759. *
• Next Goal: 750+ “All Around.”
• Paid On-Time: 100%! *
• Utilization: ~4%! *
• Total Credit Limit: $165,850! *
• Permanently Disabled: December, 2020.
• Started Rebuilding: August, 2020 (~3½ Years!).
• BK7 Filed: February, 2017 (Discharged).

“I can’t…” are likely the two most overused words in our vocabulary!
* Last Updated: 4/6/2024, unless otherwise noted.