Virgin America - comenity

[12njoy]

O ok. Wish I had tried that first.

[fedxboy]

Oh yeah, just confirmed -- there is a pre-approval pop up for this card too and it only asked for last 4 digits of social and salary.  OOhh, I got all excited, but I exited out as I don't need another Comenity major bank card as that would of been #7.  Aside from the fact, there's an annual fee and they don't fly into/out of my home airport nor state -- OHIO

[12njoy]

UNBELIEVABLE!!!!  I got my denial letter today from Comenity.  I was denied due to too many inquiries (7).  I called to ask for reconsideration.  CSR stated that due to a 2003 BK they can't approve me EVER.  She said that due to the BK they will be unable to ever approve me.  My score was 980 on their scale of 1-999.  All I can say is UNBELIEVABLE again.  Oh well, I got my two Capital One cards in the mail right along with my denial letter from Comenity.  That lessened the bite a little  Now I know never to submit another Comenity application.

[B335is]

That's crazy. I thought you had a Comenity card already.

[12njoy]

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@B335is wrote:
That's crazy. I thought you had a Comenity card already.

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I had the Meijer store card when it was under GE.  They then changed to Comenity and I closed it because I didn't think they would be as generous as GE and upgrade me to the Mastercard version.  I now have no store cards without the Mastercard/Visa/Discover/Amex logo's.  I closed the Tires Plus card too.  The csr said she even tried to have her supervisor override the denial and it wasnt possible.  I might just write a letter to Comenity since I took the hard pull anyway.  Plus how good they scored me 980/999.  That's the crazy part of all this.  If I had a low score, I wouldn't be bummed as much.

[12njoy]

And the new CITI Double Cash came today.  That was really quick.

[B335is]

Yeah their reconsideration is mind boggling. I got an AKC card overturned after they hard pulled EQ but denied me because EX was on freeze. I called the EO number and explained to the CSR. I tried on my first Virgin America denial (cited for the same reason) and the EO told me EQ and EX talk to each other so it was denied. I don't know where they get their information. I filed a complaint with CFPB out of anger and they turned it over to the FCC. They did remove the inq though.

[12njoy]

I thought that they could only use a BK against you for 10 years?  I guess that's why the letter says denied due to inquiries.  I could also file a complaint with CFPB with the assumption that they are not making credit equally available?  A long shot.  I'll write them a letter and see what happens.  I'll google some head honcho and see what happens.

[sandman2435]

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@12njoy wrote:

UNBELIEVABLE!!!!  I got my denial letter today from Comenity.  I was denied due to too many inquiries (7).  I called to ask for reconsideration.  CSR stated that due to a 2003 BK they can't approve me EVER.  She said that due to the BK they will be unable to ever approve me.  My score was 980 on their scale of 1-999.  All I can say is UNBELIEVABLE again.  Oh well, I got my two Capital One cards in the mail right along with my denial letter from Comenity.  That lessened the bite a little  Now I know never to submit another Comenity application.

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I have 2 Comenity accounts: Virgin America and total rewards,I can't seen to get anymore with them,I got a 997 out of 999 and still got turned down for their other cards,Their recon dept is a joke,When asked how many Inq's are allowed: the response I get is,Its up to the credit breau's,what a dumb response

[12njoy]

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@sandman2435 wrote:

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@12njoy wrote:

UNBELIEVABLE!!!!  I got my denial letter today from Comenity.  I was denied due to too many inquiries (7).  I called to ask for reconsideration.  CSR stated that due to a 2003 BK they can't approve me EVER.  She said that due to the BK they will be unable to ever approve me.  My score was 980 on their scale of 1-999.  All I can say is UNBELIEVABLE again.  Oh well, I got my two Capital One cards in the mail right along with my denial letter from Comenity.  That lessened the bite a little  Now I know never to submit another Comenity application.

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I have 2 Comenity accounts: Virgin America and total rewards,I can't seen to get anymore with them,I got a 997 out of 999 and still got turned down for their other cards,Their recon dept is a joke,When asked how many Inq's are allowed: the response I get is,Its up to the credit breau's,what a dumb response

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With this experience, I don't regret closing that Meijer store card when they bought the account from GE.  It was heading no where.