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Total rewards visa.

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taxi818
Super Contributor

Total rewards visa.

Just logged in after many months. And got pup up. So pre approval. I said I wasinterested. But. Was on iPad. So I closed browser. Any info about limits on this card?  Sounds like huge util buffer. Thanks all. 

Message 1 of 67
66 REPLIES 66
chalupaman
Super Contributor

Re: Total rewards visa.


@taxi818 wrote:

Just logged in after many months. And got pup up. So pre approval. I said I wasinterested. But. Was on iPad. So I closed browser. Any info about limits on this card?  Sounds like huge util buffer. Thanks all. 


It's one of the most talked about of the Comenity cards. Apparently this one and Sportsmans Guide give it out the best limits. I've seen limits into the double digits for Total Rewards on the Credit Pulls Database. Any other reason why you might be interested in this one, taxi?

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 67
emptypockets
Valued Contributor

Re: Total rewards visa.

They seem to give decent limits. I think mine was approved with 12k limit, and with regular SP CLI'S is now at 20.4k

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 3 of 67
taxi818
Super Contributor

Re: Total rewards visa.


@chalupaman wrote:

@taxi818 wrote:

Just logged in after many months. And got pup up. So pre approval. I said I wasinterested. But. Was on iPad. So I closed browser. Any info about limits on this card?  Sounds like huge util buffer. Thanks all. 


It's one of the most talked about of the Comenity cards. Apparently this one and Sportsmans Guide give it out the best limits. I've seen limits into the double digits for Total Rewards on the Credit Pulls Database. Any other reason why you might be interested in this one, taxi?


No other reason. Lol. Just like the 5 digit limits :Smiley LOL

Message 4 of 67
chalupaman
Super Contributor

Re: Total rewards visa.


@taxi818 wrote:

@chalupaman wrote:

@taxi818 wrote:

Just logged in after many months. And got pup up. So pre approval. I said I wasinterested. But. Was on iPad. So I closed browser. Any info about limits on this card?  Sounds like huge util buffer. Thanks all. 


It's one of the most talked about of the Comenity cards. Apparently this one and Sportsmans Guide give it out the best limits. I've seen limits into the double digits for Total Rewards on the Credit Pulls Database. Any other reason why you might be interested in this one, taxi?


No other reason. Lol. Just like the 5 digit limits :Smiley LOL


Gotcha. I wanna get more of mine above that $5k mark myself.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 5 of 67
taxi818
Super Contributor

Re: Total rewards visa.

Now when I log in its not popping up. Anything I can do to get it back? 

Message 6 of 67
Anonymous
Not applicable

Re: Total rewards visa.

It'll be an HP either way. If you want it you might as well apply.

Message 7 of 67
taxi818
Super Contributor

Re: Total rewards visa.

It only asked for last 4. Sure it's not sp?
Message 8 of 67
chalupaman
Super Contributor

Re: Total rewards visa.


@taxi818 wrote:
It only asked for last 4. Sure it's not sp?

There are some Comenity cards where even if you do get a pop up, you'll have to take a hit to get the card. I'll double check if that applies to this one.

 

Edit: Credit Pulls has several people that have had HPs done anyway to get this card, pop up or not.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 9 of 67
Anonymous
Not applicable

Re: Total rewards visa.

It's been a topic before that Comenity V/MC's are very much so an HP now.

Message 10 of 67
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