Total Rewards Visa by Comenity

[nodarkness]

I got a 7-10 day notice from the online application. I called the 855-381-5712 number after applying and receiving an e-mail confirmation. The lady on the phone was really nice and said it was so new that her access didn't reflect an application that soon. She said their records ought to be updated tomorrow, so being a dedicate CB maniac, I will call back this afternoon. There shouldn't be any reason I don't get either the Signature card or the standard card. That's assuming they pull Equifax per the Credit Pulls Database. Experian is blocked and they cannot have it! I'm trying to push this process along as much as possible.

[gca]

I got a 7-10 day notice from the online application. I called the 855-381-5712 number after applying and receiving an e-mail confirmation. The lady on the phone was really nice and said it was so new that her access didn't reflect an application that soon. She said their records ought to be updated tomorrow, so being a dedicate CB maniac, I will call back this afternoon. There shouldn't be any reason I don't get either the Signature card or the standard card. That's assuming they pull Equifax per the Credit Pulls Database. Experian is blocked and they cannot have it! I'm trying to push this process along as much as possible.

 

I applied about a week ago and got the same message. I called yesterday to get a status on the application and I was told there was no status yet. The rep said that they might still be processing the application and advised I check back at the end of the week.

[Duck Bills]

Thanks for the updates, I'm interseted to see how this turns out.

[jonson]

 

I got a 7-10 day notice from the online application. I called the 855-381-5712 number after applying and receiving an e-mail confirmation. The lady on the phone was really nice and said it was so new that her access didn't reflect an application that soon. She said their records ought to be updated tomorrow, so being a dedicate CB maniac, I will call back this afternoon. There shouldn't be any reason I don't get either the Signature card or the standard card. That's assuming they pull Equifax per the Credit Pulls Database. Experian is blocked and they cannot have it! I'm trying to push this process along as much as possible.

 

I applied about a week ago and got the same message. I called yesterday to get a status on the application and I was told there was no status yet. The rep said that they might still be processing the application and advised I check back at the end of the week.

 

I got a 7-10 day message when applying for their Express card. They never had any record of my application and I never received anything in the mail. I was transferred from department to department. I applied about 5 times and gave up. I think they have some computer issues.

[MannyLNJ]

I called the 800 # again. Still no record of my application. I asked if I could speak to someone in underwriting.The agent said they don't have a phone number and he has no way to transfer me. He said they have to do everything by mail, Anyone have a mailing address?

[John H]

I also applied on April got the 7-10 day notice they pulled from EQ same day but I have heard nothing yet and the mail has already ran today

[nodarkness]

Comenity pulled EQ for me on April 9, so I called today to check the status. They said the application is still pending, so I learned nothing from the conversation.

[CTSMOM01]

 

 

I got a 7-10 day notice from the online application. I called the 855-381-5712 number after applying and receiving an e-mail confirmation. The lady on the phone was really nice and said it was so new that her access didn't reflect an application that soon. She said their records ought to be updated tomorrow, so being a dedicate CB maniac, I will call back this afternoon. There shouldn't be any reason I don't get either the Signature card or the standard card. That's assuming they pull Equifax per the Credit Pulls Database. Experian is blocked and they cannot have it! I'm trying to push this process along as much as possible.

 

I applied about a week ago and got the same message. I called yesterday to get a status on the application and I was told there was no status yet. The rep said that they might still be processing the application and advised I check back at the end of the week.

 

I got a 7-10 day message when applying for their Express card. They never had any record of my application and I never received anything in the mail. I was transferred from department to department. I applied about 5 times and gave up. I think they have some computer issues.

I believe they have a problem with their Express card website. Every time the preapproval pops up and I submit my info. it freezes and disappears.

[melikey]

Total Rewards is apparently not ready for prime time...

Edited April 11, 2013 by melikey

[hrguy]

Yea, i'm even more leery to apply. I'll give em a few months.

[nodarkness]

Total Rewards is apparently not ready for prime time...

Yeah, if Caesars gets wind of this, they're not going to be happy at all. They have promoted the new card heavily on their site and via e-mail.

 

Meanwhile, no word from Comenity.

[gca]

Applied on Apr 1st and no word yet on a approval or denied.

 

Maybe the application was an April Fools joke.. lol

[RBinAK]

A few of you should post on http://www.facebook.com/TotalRewards about how you wanted to get a card bad but can't even apply. Maybe you can get some free rooms.

[TrevorHere]

Has anyone actually received a card yet?

[John H]

 

Has anyone actually received a card yet?

 

 

A few people on the tripadvisor bord report they have recieved there cards

 

http://www.tripadvisor.com/ShowTopic-g45963-i10-k6290012-o70-Free_Upgrade_to_Total_Rewards_Platinum_Status-Las_Vegas_Nevada.html#48755437

[futurehomeowner?]

aww as expected I received my wife and I's denials.

 

I knew I would be denied but I really thought my wife would get approved since she has other comenity cards.

The reasons given were

Unable to verify credit history (not sure what this means)

limited credit experience (her AAOA right now is 7.9 years)

high outstanding balances to credit limit (util right now is 41%)

delinquent past credit obligations (2 old CO's)

 

There is no recon number on the letter.

[John H]

if unable to verify maybe an address mismatch you may want to call and talk to a csr they maybe able to help

[DealsDice2]

Got denial letter yesterday dated 4/3. Score based on their system (1-999) was 721. Significant factors were inquiries and AAOA.

[hdporter]

Received my card today (applied Apr 3, with immediate approval of $8500).

 

Called to activate and asked CSR if they could reconsider initial assigned CL. She said she could help me. I confirmed with her that there wouldn't be another credit pull.

 

She asked for annual income and desired CL. I asked for $12K. Approved in about 5 seconds. (no indication of a new pull in checking CRA's shortly after)

[futurehomeowner?]

bla bla bla mlm

 

someone is jealous :-(

[nodarkness]

They ran EQ on April 9 and when I called this afternoon, they still had no status either way. The person I spoke with said it was "processing". I've received physical cards quicker than this.

 

Also, I did post on Total Rewards' Facebook page. I referenced how much Caesars has put into promotion and that the vendor is clearly not up to the task. This is the end of the second week, so there's no excuse about things now.

[gogogophers]

Guinea Pig Report

 

Got denial letter today after initial app on 4/1. They pulled EQ on 4/1. The score provided in the denial letter was not an EQ FICO. It was a score based on a scale of 479-898. (drats, I was at least hoping to get a FICO score out of this).

 

Reasons for denial:

• presence of bankruptcy (2yrs ago)
• no real estate accounts with valid credit amount (home is owned free & clear)
• no installment accounts with valid credit amount (car loan & student loans all show as paid)
• too many bankcard accounts (5 bank, 4 store, 2 of the store cards are thru Comenity)
• "Number of inquiries was also a factor but effect was not significant." I had 2 inqs that are over a year old and 2 inqs from NFCU that were three months old on my EQ report.

 

Hope the info can help anyone who hopes to app for the card in the future.

 

 

 

[shaky123456]

Received my card today (applied Apr 3, with immediate approval of $8500).

 

Called to activate and asked CSR if they could reconsider initial assigned CL. She said she could help me. I confirmed with her that there wouldn't be another credit pull.

 

She asked for annual income and desired CL. I asked for $12K. Approved in about 5 seconds. (no indication of a new pull in checking CRA's shortly after)

Hi hdporter: congrats thats nice limit for comenity.

 

My situation: I received the letter today which i thaught was denial letter, but it was not, letter said to call to confirm some information, and i did after that rep was able to tell me i was approved for 6k limit. Like hdporter i will try to ask for more when i activate the card. and i applied april 1st. and they pulled EQ on same day.

[hrguy]

 

Received my card today (applied Apr 3, with immediate approval of $8500).

 

Called to activate and asked CSR if they could reconsider initial assigned CL. She said she could help me. I confirmed with her that there wouldn't be another credit pull.

 

She asked for annual income and desired CL. I asked for $12K. Approved in about 5 seconds. (no indication of a new pull in checking CRA's shortly after)

Hi hdporter: congrats thats nice limit for comenity.

 

My situation: I received the letter today which i thaught was denial letter, but it was not, letter said to call to confirm some information, and i did after that rep was able to tell me i was approved for 6k limit. Like hdporter i will try to ask for more when i activate the card. and i applied april 1st. and they pulled EQ on same day.

[MannyLNJ]

Just got my denial for two reasons

 

1) High Balances to Limit

2) Unable to Verify credit history

 

No ph# on the letter just an address.

Score was 659