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Pre-Approvalsl - it feels good!

Established Contributor

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

Message 1 of 10
9 REPLIES
Mega Contributor

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!

 




EQ FICO 548 3/3/16
Message 2 of 10
Established Contributor

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. |
Message 3 of 10
Established Contributor

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

Message 4 of 10
Established Contributor

Re: Pre-Approvalsl - it feels good!

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

Message 5 of 10
Highlighted
Valued Contributor

Re: Pre-Approvalsl - it feels good!

It is nice knowing someone is watching you Smiley Wink


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 6 of 10
Established Contributor

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

Message 7 of 10
Super Contributor

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

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 10
Valued Contributor

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 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 9 of 10
Regular Contributor

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.

 

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

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 10 of 10