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Comenity Auto Decline

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chalupaman
Super Contributor

Re: Comenity Auto Decline

So does this apply to their non Paypal Credit BML accounts as well? What about in the last six months? I could use their HP Preferred one. Where's Ron1 when you need him?

 

Edit: Just got approved for HP Preferred! I'm pretty happy. Got another BML TL but don't know the limit yet. The welcome email is in my inbox. I've always wanted to have this TL.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 11 of 14
CreditUnionFan
Valued Contributor

Re: Comenity Auto Decline


@chalupaman wrote:

So does this apply to their non Paypal Credit BML accounts as well? What about in the last six months? I could use their HP Preferred one. Where's Ron1 when you need him?

 

Edit: Just got approved for HP Preferred! I'm pretty happy. Got another BML TL but don't know the limit yet. The welcome email is in my inbox. I've always wanted to have this TL.


I don't know about HP specifically, but I've been disappointed in the NewEgg "powered by BML"... it's a separate line and I have yet to find anywhere other than NewEgg where that CL can be used. So, I have a $8k NewEgg/BML, but when I tried to make a new purchase on a regular Paypal/BML, it was declined...  and I had to use the GECRB Ebay CC instead, lol

 

I was going to garden... Honest!
Message 12 of 14
chalupaman
Super Contributor

Re: Comenity Auto Decline


@CreditUnionFan wrote:

@chalupaman wrote:

So does this apply to their non Paypal Credit BML accounts as well? What about in the last six months? I could use their HP Preferred one. Where's Ron1 when you need him?

 

Edit: Just got approved for HP Preferred! I'm pretty happy. Got another BML TL but don't know the limit yet. The welcome email is in my inbox. I've always wanted to have this TL.


I don't know about HP specifically, but I've been disappointed in the NewEgg "powered by BML"... it's a separate line and I have yet to find anywhere other than NewEgg where that CL can be used. So, I have a $8k NewEgg/BML, but when I tried to make a new purchase on a regular Paypal/BML, it was declined...  and I had to use the GECRB Ebay CC instead, lol

 


It is pretty weird that Comenity gives higher CLs on those kinds of Paypal Credit accounts but not as much on the main one. I got just a 501 dollar limit on mine and went for that one first before getting any of the other ones which have all been 2k.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 13 of 14
CreditMagic7
Mega Contributor

Re: Comenity Auto Decline

Thanks for sharing that useful Data Point.

Message 14 of 14
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