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Frequent Contributor
2FixMyCredit
Posts: 495
Registered: ‎02-02-2013

Pre-Approvalsl - it feels good!

After having my BofA and Fingerhut hit I have gotten several pre-approvals for Commenity backed cards.  It feels so good! Although I have only accepted one for Byrlane Home it is just nice having it!

 

 

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Pre-Approvalsl - it feels good!


2FixMyCredit wrote:

After having my BofA and Fingerhut hit I have gotten several pre-approvals for Commenity backed cards.  It feels so good! Although I have only accepted one for Byrlane Home it is just nice having it!

 

 


Dont get too crazy with new accounts, you have 3 now. Best to hit the Garden and let them age nicely!

 




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

Re: Pre-Approvalsl - it feels good!

Good for you. Shouldn't take long before you start receiving pre approvals from prime lenders. :smileyhappy:
Gardening Since: March 4, 2013.
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Frequent Contributor
2FixMyCredit
Posts: 495
Registered: ‎02-02-2013

Re: Pre-Approvalsl - it feels good!


LS2982 wrote:

2FixMyCredit wrote:

After having my BofA and Fingerhut hit I have gotten several pre-approvals for Commenity backed cards.  It feels so good! Although I have only accepted one for Byrlane Home it is just nice having it!

 

 


Dont get too crazy with new accounts, you have 3 now. Best to hit the Garden and let them age nicely!

 


Absolutely! I completely agree, I love their products so I accepted.  I bought a comforter set from them years ago and it still looks new!  No more credit for me.  Had this not been a soft pull I wouldn't have even bothered but since it was I went for it and so happy I did because I do see actually using this card quite a bit.  Plus their clearance and sales are great haha. 

 

 

 

 

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Frequent Contributor
2FixMyCredit
Posts: 495
Registered: ‎02-02-2013

Re: Pre-Approvalsl - it feels good!

[ Edited ]

A few questions if anyone knows, of course. :smileyhappy:

 

Commenity reports to all three bureau's, correct?

How long does it take them to report?

If anyone has this card or a card from Commenity, how long does it normally take to receive the card?

Does it report as a revolving account?

 

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Pre-Approvalsl - it feels good!

It is nice knowing someone is watching you :smileywink:


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
2FixMyCredit
Posts: 495
Registered: ‎02-02-2013

Re: Pre-Approvalsl - it feels good!

Haha, slightly creepy as well :smileywink:

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

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Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: Pre-Approvalsl - it feels good!


2FixMyCredit wrote:

After having my BofA and Fingerhut hit I have gotten several pre-approvals for Commenity backed cards.  It feels so good! Although I have only accepted one for Byrlane Home it is just nice having it!

 

 


More pre approvals on the way and yes it feels nice:smileywink:

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Valued Contributor
injustifiiable
Posts: 1,846
Registered: ‎03-30-2012

Re: Pre-Approvalsl - it feels good!


2FixMyCredit wrote:

A few questions if anyone knows, of course. :smileyhappy:

 

Commenity reports to all three bureau's, correct? Yes

How long does it take them to report? Mine seem to all report on the 1st of the month

If anyone has this card or a card from Commenity, how long does it normally take to receive the card? A little less than a week.

Does it report as a revolving account? Depends on the CRA...EQ and TU say Revolving but EX says charge....it doesn't really make a difference, though

 


 

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

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Regular Contributor
scarzy
Posts: 227
Registered: ‎04-08-2008

Re: Pre-Approvalsl - it feels good!


2FixMyCredit wrote:

A few questions if anyone knows, of course. :smileyhappy:

 

Commenity reports to all three bureau's, correct?

How long does it take them to report?

If anyone has this card or a card from Commenity, how long does it normally take to receive the card?

Does it report as a revolving account?

 


It took a week to get my card. Yup, it does report as revolving. After a month, they finally reporting the credit line!

Eventually, they will report on all three. As for me, it was Experian first. Hopefully soon it will pop up on the other two.

 

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

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