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Established Contributor
Posts: 930
Registered: ‎07-30-2011
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I shouldn't have apped. *sigh*

I decided to app for the Comenity Total Rewards Visa because I really enjoy going to Las Vegas and they gave me a $1500 limit. I called and they increased it to $2700, but that's still my lowest credit limit. I am really, really disappointed in myself that I pretty much wasted a hard pull. $2700 doesn't buy much of anything for a serious vacation. I am going into the garden for the next year.

Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
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Frequent Contributor
Posts: 374
Registered: ‎02-10-2013
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Re: I shouldn't have apped. *sigh*

It's better than nothing! Congrats on the credit bump though :smileywink:
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

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Valued Contributor
Posts: 1,406
Registered: ‎07-12-2011
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Re: I shouldn't have apped. *sigh*

Hey lithium78!
Congrats on your approval. 2.7K is a pretty good limit from what I can tell for this card. I'm wanting this card also, but I'm not too keen on apping another card. If you don't mind sharing- what's your profile like?
I've been researching this card and they are all over the board with their approvals and criteria. All indications are that they are being very strict on their underwriting for this card unlike their other co-branded cards. Thanks for the info in advance! :smileyhappy:

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Frequent Contributor
Posts: 303
Registered: ‎04-22-2013
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Re: I shouldn't have apped. *sigh*

CLI should be SP correct since its Comenity



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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Moderator
Posts: 27,206
Registered: ‎09-13-2012
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Re: I shouldn't have apped. *sigh*

Congratulations on your approval. Hopefully the auto CLI will be more satisfying.
Moderator
Posts: 5,703
Registered: ‎08-12-2013
0

Re: I shouldn't have apped. *sigh*

Eh, it's still higher than my highest limit.  Congrats on the new TL.

Start: 619 (Wally, 9/2013) | Current: 740 (Wally, 4/7/15)
AMEX BCE $13500 | Care Credit $10200 | JCP $8000 | Overstock $5200 | Citi DC WMC $5000 | Walmart Store $5000 | Amazon Store $5000 | Cap 1 QS $4750 | AMEX Costco TE $3500 | Macy's AMEX $3500 | Sony Card $3250 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Gold Violin $1750 | VS $1450 | Merrick $1200 | Target $1000 | ~~Gardening Since 3/17/15
Contributor
Posts: 94
Registered: ‎03-06-2013
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Re: I shouldn't have apped. *sigh*

Same thing here --  they only gave me a $2000 limit which is my lowest. I'm waiting hopefully for an auto cli in 6 months. If they don't regulary give me auto cli's I will probably give the card up. I read here creditors don't like to see low limit cards in your portfolio , or they'd rather see high limit cards on your report since it'll look like you can handle/manage money better. Is this true?

Epic Contributor
Posts: 24,088
Registered: ‎10-23-2007
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Re: I shouldn't have apped. *sigh*


lithium78 wrote:
I decided to app for the Comenity Total Rewards Visa because I really enjoy going to Las Vegas and they gave me a $1500 limit. I called and they increased it to $2700, but that's still my lowest credit limit. I am really, really disappointed in myself that I pretty much wasted a hard pull. $2700 doesn't buy much of anything for a serious vacation. I am going into the garden for the next year.

I find a visa by Comenity weird because they do give some nice limits for store cards like West Elm and Z Gallerie and such but huge $10k lines or something I just never read or hear of and this Total Visa is no different... sounds like a pretty high limit for starters from them to me... sorry I know probably not what you want to hear.

Fico Scores: EQ- 647., TU 705 Sync, EX 700 (04/07/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
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Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013
0

Re: I shouldn't have apped. *sigh*

Its better to have a HP and get something for a CLI than nothing. Congrats on the CLI




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0

Re: I shouldn't have apped. *sigh*

i'm not sure if you want to hear this, but congrats! :smileyhappy:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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