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I shouldn't have apped. *sigh*

Established Contributor

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)
Goal Score: 800

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11 REPLIES
Frequent Contributor

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

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

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Community Leader
Valued Contributor

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! Smiley Happy

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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Frequent Contributor

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

CLI should be SP correct since its Comenity



Mouse over for CL
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 Emerita

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

Congratulations on your approval. Hopefully the auto CLI will be more satisfying.
Moderator

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

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



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 10/26/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Macy's Store $20000 | Discover IT $18000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Sony Card $4250 | Target MC $4000 | Costco Anywhere $3200 | ~~Gardening Since 11/2/17
Regular Contributor

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

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.

Senior Contributor

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

Valued Contributor

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

i'm not sure if you want to hear this, but congrats! Smiley Happy



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