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Total Rewards Visa by Comenity

futurehomeowner?

By futurehomeowner?,
in Credit Forum

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The last post in this topic was posted 2368 days ago. 

 

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kevinkev99

kevinkev99

Posted
Posted

EQ Pull in Indiana

 

Kind of irritated with Harrahs/Ceasars as there wasn't a lot wrong with the BofA TR card. I don't need another card right now, but having one is pretty necessary to keep your points alive if you aren't in shouting distance of one of their casinos. If you don't have any aciutivty every six months you lose your points.

 

There is an online shopping mall, but I've had trouble gettings points to post from there. The BofA card is automatic.

 

I'll let you guys know.

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hrguy

hrguy

Posted
Posted

Immediate approval this am, CL $8500. (Kind of weak ... average CL is $16K; most major cards at $20K+)

:clapping:

 

Put it in Credit Pulls - who did they pull? I really want to apply - but kinda scared because of my recent BK - I am assuming they underwrite this card MUCH differently than the store soft-pull cards.

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mp11477

mp11477

Posted
Posted

Comenity, despite being nice with the pre-approval at checkout on store cards is not BK friendly. I cold apped for one of their cards and the only reason listed for denial was the BK on my reports that is now 5 years old.

 

Do you happen to know if they are good with recon? I have a BK as well, but also have some of their store branded cards with good history since the BK.

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hrguy

hrguy

Posted
Posted

Comenity, despite being nice with the pre-approval at checkout on store cards is not BK friendly. I cold apped for one of their cards and the only reason listed for denial was the BK on my reports that is now 5 years old.

:o

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adamst49

adamst49

Posted
Posted

I just received my Total Rewards Visa email inviting me to apply. Comenity just pulled for a Hard pull Marathon Visa. I wonder if they would do another Hard Pull or use that one?

 

 

I dont live far from a Indiana Horse Shoe Casino. Its not a far drive going over there. But it takes for ever to get home After You Lose. :(

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mike8507

mike8507

Posted
Posted

I got an email and decided to apply yesterday afternoon. I got an instant approval, CL $1000, they pulled from Experian, and in the decision details it said my FICO was 670 (which is a high for me), but they also said that I had too many accounts (got about 18 credit cards and several school loans), some negative accounts, and that the charged to limit ratio was too high, so needless to say I got the highest APR of 22.99%. But I'm planning to use it as a debit card for everything, so I'll be paying it off monthly. Additional info: About 3 weeks ago I was rejected by Discover.

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futurehomeowner?

futurehomeowner?

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I just received my Total Rewards Visa email inviting me to apply. Comenity just pulled for a Hard pull Marathon Visa. I wonder if they would do another Hard Pull or use that one?

 

 

I dont live far from a Indiana Horse Shoe Casino. Its not a far drive going over there. But it takes for ever to get home After You Lose. :(

haha yeah, before PA got casinos we would drive to WV which is an hour away. On those nights when we lost it was such a long drive home.

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Zio

Zio

Posted
Posted (edited)

Comenity, despite being nice with the pre-approval at checkout on store cards is not BK friendly. I cold apped for one of their cards and the only reason listed for denial was the BK on my reports that is now 5 years old.

 

I would have to agree. When I had applied for a HSN MC, I was denied due to BK7; however, they preapproved me for some of the store's cards earlier.

Edited by Zio
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MannyLNJ

MannyLNJ

Posted
Posted

Manny did you get a denial letter or are you just assuming.

I have a fraud alert on all three bureaus. They are not supposed to approve any applications without confirming with me. That's why I need to speak to someone in underwriting.

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