Comenity Hard Pull on Experian -- Yikes!!!!!

[Kenny]

I just want to know how DCU gave them a 10k limit when they didn't even want to give me 3k! *what*the*heck?!!?

[CreditUnionFan]

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@KennyS2006 wrote:

I just want to know how DCU gave them a 10k limit when they didn't even want to give me 3k! *what*the*heck?!!?

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Different lending criteria, preferences?  Perhaps he hit the right factors? 

DCU hasn't given me $10k on the Visa... but I keep it as a backup card...  and use several others first before I get to the DCU Visa.

[Hcontreras]

Maybe they consider that many apps/ inquiries in a short amount of time "crimes against humanity"?? I'm just sayin'

[drkaje]

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@Hcontreras wrote:
Maybe they consider that many apps/ inquiries in a short amount of time "crimes against humanity"?? I'm just sayin'

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That'd be my guess.

[bearze34]

I doubt he will be apping anytime soon. He probably has carpal tunnel from filling out all those apps.

[dominow]

wow!  and i've been whining about how my 2 recent app's and 2 inq's have potentially harmed my score. i'll sleep more soundly this night.

[credit-hunter]

ALL I KNOW is i am joining american airlines FCU $20,000 cl ...lol

[JLK93]

So far I have not experienced the adverse action some had predicted. Since this post I have received the following approvals and rejections:

Chase Freedom Auto CLI                   $500  to  $1,000

Chase Amazon Visa approval            $2,000

Chase United Explorer approval         $5,000

Comenity Vitacost Mastercard             denied

When I spoke to the Chase credit analyst regarding the United Explorer application, she didn't even mention all the new accounts or the 11 inquiries on Experian. She just thanked me for being a good Chase customer.

I would like to thank everyone on this forum for all the knowledge I gained here. I might not have ever aquired my first credit card without this forum.        

[dabrian]

GARDEN!!

[JLK93]

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@dabrian wrote:
GARDEN!!

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I'm going to make one more try for an AMEX revolver, Delta Gold Skymiles, then  I will garden. LOL.