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Everything posted by tmkats

  1. Don't do it. 84 months is waaaayyyy too long to have a car loan for.
  2. I wouldn't promote transferring their Milez to any participating partner since they only give you credit for half of the fake ones you already got, but they have a promo that they are running wherein you can get a 75% credit with JetBlue for the Milez you currently have in your account. An extra 25% is something I suppose.
  3. Auto CLI from Navy for $2,100 and since it's been more than 90 days for Disco I hit them up and they gave me $2K. 🖐️
  4. I wouldn't mind that. If Citi still didnt hate me from BK them. Congrats! Oh and [emoji112] Sent from my SM-G930T using Tapatalk
  5. Ditto. Don't feel bad. Haven't gotten anything from them ever. I think I will fall out of my chair when I eventually do.
  6. I am in the same boat as you. I BK'd them 4 years ago but stopped paying way before that. Everytime that I tried applying they wouldn't pull for me. I tried about a month or so ago and they did do a hard pull and sent me the same letter as you saying that the BK showing was the only reason that I didn't get approved. They didn't word it that I had a bad account with them, just that my BK was still on my report. I'll give it another year or two and see what happens then.
  7. Hey now! My son is a Cub Scout (the ones that sell said popcorn) and yes, it's outrageous what they charge for it, but it's for a good cause. The Caramel Popcorn is really good and far less expensive. Next time, get the microwave popcorn box. You get a little more bang for your buck and it's not horrible tasting either.
  8. Hate to be the bearer of bad news, but you won't get anywhere with Comenity. I have been going back and forth with them for a couple of weeks now regarding an account they closed out of the blue with no warning. I keep getting the same spiel regurgitated to me and no one there seems to know how to do anything. Sorry this happened, but sadly I think you are stuck with it.
  9. I'm not holding up any hope if I go that route, it's just the principle of the matter now. Best that you only have those two. They were stingy to begin with and this just makes it that much worse. Thanks for the support. Sent from my SM-G930T using Tapatalk
  10. BOA and I should have known better. But then again I had no clue that they would close it right after opening it if they see any kind of inquiry at all, from ANY issuer. Even if I was car shopping or house hunting the result would have been the same according to them. My point is that that is the stupidest thing I have ever heard and I'm not going to let this die. Either outright deny me for too many inquires or keep the account open. Don't do some shady crap like they did. I sent a secured message and didn't like the response I got so I sent back a reply. I'm very likely going to never get approved for the card again which I'm not happy about, but it's the whole point of the matter as to how this went down. I'll send a handwritten note to the EO just to get my point across. Probably won't help me but maybe someone that isn't reading from a script will actually read the letter. Sent from my SM-G930T using Tapatalk
  11. So, I found out why they closed it. Apparently if you apply for this card they do a review in a week. If they see that you applied for anything within the week span of when you applied, they will close it and consider you high risk. I got greedy and thought I could try my luck with another issuer and evidently it became my downfall. There's nothing they can do to re-open it and I have to wait to apply again or wait for another pre-approval. I stupidly shot myself in the foot and had no clue. Grrrr! Eff Comenity.
  12. I would consider it an upgrade. As far as I know Sync hasn't offered preapprovals, approved the account on said preapproval and then closed it a wk later with no notice. So, yeah....... Sent from my SM-G930T using Tapatalk
  13. Yeah I know. I never did like Commenity. They were always the most strict for everything and this just leaves a bad taste in my mouth. As much as I may want to reapply again I think it will be some time before I do. Sent from my SM-G930T using Tapatalk
  14. After my experience today I feel like one of them now. [emoji31] Sent from my SM-G930T using Tapatalk
  15. Nope, not me but DW does but she's only an authorized buyer not the primary. They based the decision to close on my report, not hers.
  16. That wasn't the reason. They identified my account as high risk due to excessive inquires of which on Experian I think I have 5 in the last year or so. That is there code for: "We shouldn't have given this to you in the first place and we are correcting our mistake" Bunch of asshats. Now I have to re-apply and maybe they will be more kind.
  17. I'm thinking it may be, but that's a pretty stupid reason for closing it since I'm the primary and the credit decision was based on my credit not hers. And of course they aren't going to re-open it because they are Commenity and they suck. I'll try to re-con when I get the letter if it would help.
  18. I did. Only thing I could think of was that I put my wife as an authorized buyer and her credit is less than stellar. But that shouldn't matter since I'm responsible for the payments.
  19. So, I hate Commenity. They gave me a pre-approval for the BJ's card and I accepted it. I got the cards in the mail and activated them. Wife goes to use the card today and it says not authorized. I call and they closed my account. They said they sent a letter but I didn't get anything. Nothing has changed from the time they sent the pre-approval to the time that they closed the account. I never got a letter either and they said that it was sent on the 19th. I find it odd that they would do this, but from what I've read it's not unheard of with them either. Anyone have a guess as to what would make them do that?
  20. Got one of these today also. Wife goes there every so often but not me personally. I could use the extra padding but don't think it's worth the effort. Sent from my SM-G930T using Tapatalk
  21. Was FINALLY able to get the BJ's MC. If anyone has been following my lust of Vig and his card they will know what I mean. Came as a pre-approval in my e-mail today with full opt out language. Ran through the process and was approved for $5K. Not alot but matches my lowest limits. We go to BJ's ALOT and 5% back can go a long way there. It's funny, I cold applied for this a few weeks ago and was denied and now I get the pre-approval. Go figure!
  22. That was my first thought also!! Sent from my SM-G930T using Tapatalk
  23. Welp, they finally banned me from the forums. I said something not so nice and apparently they didn't like it and that was the proverbial straw as they say. Oh well, I won't lose sleep over it.
  24. Bareback with a CU....living dangerously now huh? Careful, or you might catch something. 😂

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