Total Rewards Visa by Comenity

[futurehomeowner?]

for the gamblers in the crowd there is a new Total rewards Visa card that is coming out tomorrow.

 

http://www.totalrewards.com/creditcard/

 

I am curious if anyone has any Visa or Mastercards that are through Comenity. I have 2 cards in my wallet that are issued by them but they are just store cards. I was able to get them with little problems so I am curious if they will be more strict with the Visa logo on it.

[patz2009]

The burning question: Will this card have a grace period on cash advances?

[melikey]

for the gamblers in the crowd there is a new Total rewards Visa card that is coming out tomorrow.

 

http://www.totalrewards.com/creditcard/

 

I am curious if anyone has any Visa or Mastercards that are through Comenity. I have 2 cards in my wallet that are issued by them but they are just store cards. I was able to get them with little problems so I am curious if they will be more strict with the Visa logo on it.

I was approved for the Sportsman Guide Visa last month. Lots of inquiries and new accounts. You can see my scores in my signature.

[nodarkness]

Interesting. What does Comenity pull for applications? Please don't say Experian!

[gca]

Interesting. What does Comenity pull for applications? Please don't say Experian!

They did a soft on EQ for their Express and Buckle card.

[melikey]

 

Interesting. What does Comenity pull for applications? Please don't say Experian!

They did a soft on EQ for their Express and Buckle card.

They use EQ for hard pulls on cold apps also.

[hrguy]

Whose gonna be first to try?

[TrevorHere]

NM. Will wait to see...

Edited April 1, 2013 by TrevorHere

[futurehomeowner?]

as soon as the link is active I will but the website says to check back on April 1st.

 

nevermind, its active now

Edited April 1, 2013 by barbiaux

[futurehomeowner?]

I applied but it didn't give an instant approval so I was probably denied. It said that I would hear in 7-10 days. If anyone gets an instant approval let me know, maybe they are not set up for that but I doubt it. :-(

[rmiller0410]

Gave me the 7-10 day.

[hrguy]

Call!

[hrguy]

I wonder if this is gonna be a BK friendly product like their store cards.

 

I have to find my Total Rewards Card to log-in and apply.

[futurehomeowner?]

I am at work right now so I can't call.

 

HRguy, although I do not have a BK I have been approved for store cards so I was holding out hope that I would get this too. Maybe on lunch I will call them.

 

They put this as their APR so I am still holding out hope that they will be lenient.
22.99%, 17.99%, or 13.99%
when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

 

I always find it funny that with worse credit you get a worse interest rate, yet if they think you are going to suck wouldn't they want you too have a lower rate so your account didn't get out of hand.

[patz2009]

Aw dang, cash advance fees and no grace period. How am I supposed to overextend my gambling now?

[nodarkness]

Aw dang, cash advance fees and no grace period. How am I supposed to overextend my gambling now?

Ha! Exactly.

 

Overall, it isn't a bad rewards card if you're a player at Caesars casinos. The points don't expire and that will keep less-frequent visitors alive on the Total Rewards radar. There's also no annual fee and that's good. I checked the terms three times and it says nothing about a foreign transaction fee.

 

Platinum status with Total Rewards is guaranteed. Well, that's great and everything, but Platinum gets virtually nothing a Gold member does not receive. Check the comparison chart:

https://www.totalrewards.com/TotalRewards/RewardsAndBenefits.do?page=trBenefits

 

I will think about it and possibly apply next week. Waiting for some things to update on my reports at the end of this week. After that, a mini-spree awaits!

[minnie aubre]

Unfortunately, I live in Vegas. This card might be interesting, but I mostly avoid the casinos.

 

 

via tapatalk

[clutchcargo]

Unfortunately, I live in Vegas. This card might be interesting, but I mostly avoid the casinos. via tapatalk

 

Me too...

[hrguy]

I got Harrah's in Philly and Atlantic City close by...I really have to think about this, could be trouble. lol

[pjmaxwellian]

A curiosity question: do you think having this card on your report could be interpreted as saying "I'm a gambler!" ??

[hrguy]

No because none of your cards have the co-brand name reported

[hrguy]

At least that I have ever seen...

 

(i.e. priceline visa should just be barclay bank, this card should just be comenity bank)

[melikey]

No because none of your cards have the co-brand name reported

On my reports my Sportsman's Guide Visa shows as COMENITY BANK/SPMNGV

Edited April 1, 2013 by melikey

[melikey]

I doubt any UW would want to know what the ...\SPMNGV means though.

[hrguy]

 

No because none of your cards have the co-brand name reported

On my reports my Sportsman's Guide Visa shows as COMENITY BANK/SPMNGV

Doesn't tell someone much abbreviated either way. I would not be concerned with it even if they did spell it all out