@josie I think you should decide if this card is a good fit for you passed the initial sign-up offer. If it is, go for it and get a nice little free gift. Comenity will grow with you from what I've read. Or, ditch the offer and attempt the shopping cart trick - you'd be saving yourself a HP. If it's like most store cards, the card will arrive with a nice little offer anyway.
Starting Score: WMT TU (3/13) 644. EQ FICO (3/13) 595 Current Score: WMT TU (8/14): 666. FICO's: EQ (8/14): 661. EX (7/14) 658. TU (7/14) 697 | Goal Score: 700s