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Established Contributor
Posts: 507
Registered: ‎02-02-2013
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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

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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!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Established Contributor
Posts: 591
Registered: ‎05-05-2012
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Re: Pre-Approvalsl - it feels good!

Good for you. Shouldn't take long before you start receiving pre approvals from prime lenders. Smiley Happy
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Contributor
Posts: 507
Registered: ‎02-02-2013
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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

Established Contributor
Posts: 507
Registered: ‎02-02-2013
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Re: Pre-Approvalsl - it feels good!

[ Edited ]

A few questions if anyone knows, of course. Smiley Happy

 

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

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Registered: ‎08-17-2008
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Re: Pre-Approvalsl - it feels good!

It is nice knowing someone is watching you Smiley Wink


$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
Posts: 507
Registered: ‎02-02-2013
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Re: Pre-Approvalsl - it feels good!

Haha, slightly creepy as well Smiley Wink

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

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Registered: ‎02-07-2013
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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 niceSmiley Wink

+ Chase ink =




Valued Contributor
Posts: 1,969
Registered: ‎03-30-2012
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Re: Pre-Approvalsl - it feels good!


2FixMyCredit wrote:

A few questions if anyone knows, of course. Smiley Happy

 

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 8/18/2015: TU FICO: 651 | EQ FICO: 645| EX AMEX FICO: 630

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Re: Pre-Approvalsl - it feels good!


2FixMyCredit wrote:

A few questions if anyone knows, of course. Smiley Happy

 

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.

 

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