BJ's Perks Mastercard from Comenity

[JunkBuyersWorstNightmare]

 

 

 

 

If this is indeed Comenity, they usually pull HP Equifax for cold apps. If it starts working like a SCT, then it may be SP on Experian.

I have been a member since 2010 and I tried the SCT but no luck. Probably because I am waiting to get discharged but I spend quite a bit of money at BJs so who knows. When I got to the application it says something about prescreened offers but I am not willing to apply right now. lol.

Don't bother as you will just waste a hard pull. Comenity won't approve fresh out of BK. I tried another of their cards and that was the only reason listed for my denial.

 

Would 4+ years out of BK be an issue for Comenity?

 

Tried for Total Rewards, denied BK, 5 years out.

 

 

 

 

Was that the reason the cited for the denial?

[backtobusiness]

I apped on Thursday; said I will hear from them in 7-10 days. HP on EQ. Will report back if denied, due to BK.

Got my AA letter today, and the reasons are: Bankruptcy status on credit report, insufficient credit experience- credit history incomplete, limited credit experience, unable to verify credit history.

 

Your credit score as of 11-20-2014: 674

In the scoring system we used, scores can range from 479 to the best possible score 898. Please be aware, there are a number of different credit scoring systems available, and each uses different range of numbers.

[tray]

Received my letter today as well stating app could not be processed as I had a freeze on my credit report at the time EX was frozen even though EQ was pulled at time of app. Letter stating I could reapply, my EX unfrozen since app tried again tonight and was instantly approved with a 9,000 limit for elite card, Comenity did another hard pull on EQ what gives.... Enough apps with Comenity....

[tmkats]

 

 

I apped on Thursday; said I will hear from them in 7-10 days. HP on EQ. Will report back if denied, due to BK.

Got my AA letter today, and the reasons are: Bankruptcy status on credit report, insufficient credit experience- credit history incomplete, limited credit experience, unable to verify credit history.

 

Your credit score as of 11-20-2014: 674

In the scoring system we used, scores can range from 479 to the best possible score 898. Please be aware, there are a number of different credit scoring systems available, and each uses different range of numbers.

Seems like Comenity needs 1 year post BK with good credit history to consider you. I think next summer this will be the first card I try with them as I will use it A LOT.

[JunkBuyersWorstNightmare]

 

 

I apped on Thursday; said I will hear from them in 7-10 days. HP on EQ. Will report back if denied, due to BK.

Got my AA letter today, and the reasons are: Bankruptcy status on credit report, insufficient credit experience- credit history incomplete, limited credit experience, unable to verify credit history.

 

Your credit score as of 11-20-2014: 674

In the scoring system we used, scores can range from 479 to the best possible score 898. Please be aware, there are a number of different credit scoring systems available, and each uses different range of numbers.

Seems like Comenity needs 1 year post BK with good credit history to consider you. I think next summer this will be the first card I try with them as I will use it A LOT.

 

 

My BK was discharged five years ago next March. Yet BK was cited as the reason I was declined for the Deer Pee VISA.

[TeeSharice]

I have 4 new accounts and a new car loan. I'm gonna wait til March to apply for anything.