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Comenity Credit Card Service

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diebadcredit6504
Regular Contributor

Comenity Credit Card Service

What's going on guys. Well I was approve for my first Comenity CC and was wondering if they can use the same info they use on another CC store they might serivce? If so, do any of you have the phone #

EX - 522 (Oct 2013) 695 (May 2014)

TU FICO - 580 (Oct 2013) 680 (May 2014)

EQ - 509 - (Oct 2013) 672 (May 2014)
Message 1 of 7
6 REPLIES 6
mec84
New Contributor

Re: Comenity Credit Card Service

here is my experience with them.  I got a Victorias secret card with them in april 2013.  in november i think i recieved an email that i was approved for another one of their store cards.  I accepted and there was never a hard pull.  I say give it time. 

Message 2 of 7
abzze
Valued Member

Re: Comenity Credit Card Service

I have never heard a bank not do a hard pull for each CC app, even done over phone at the same time.

If you do manage to do this please share info.

Message 3 of 7
picklecat
Member

Re: Comenity Credit Card Service

I've been doing a lot of research on the forums lately and I've read about the shopping cart trick - when you go to check out @ a store that Comenity runs the credit card program for (NY&Co, LOFT, Victoria's Secret and Express are a few I'm aware of) check out as a guest and enter your billing info as it matches with your credit reporting.  If you receive the pre-approved pop-up for a card, I've read you won't have a HP for that application.  I've received the pre-approval pop-ups myself (I have a NY&Co card, gotten the pop-up on LOFT) but I haven't taken them up since I'm working on getting a mortgage within the year so I don't want to open any new accounts till after that.

 

You can read more about the trick if you search "shopping cart trick" in the forum. http://ficoforums.myfico.com/t5/Credit-Cards/NEW-UPDATED-LIST-for-Comenity-Bank-Store-Cards-can-be-u...

 

Good luck!


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Message 4 of 7
Sneekn4u
Contributor

Re: Comenity Credit Card Service

I myself did the Victoria Secrets,  Buckle and Brylane Home...approved on all 3 with no hard pull.


Starting Score 11/2012 EQ: 615
Current Score 3/19/2014 EQ: 687
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Message 5 of 7
Scupra
Super Contributor

Re: Comenity Credit Card Service


@abzze wrote:

I have never heard a bank not do a hard pull for each CC app, even done over phone at the same time.

If you do manage to do this please share info.


Like others mentioned the shopping cart trick is a way to get around a HP for Comenity backed cards.

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Message 6 of 7
diebadcredit6504
Regular Contributor

Re: Comenity Credit Card Service

Thanks guys!! I will just wait for the offer to come in the mail or do the shopping trick in a few weeks....

EX - 522 (Oct 2013) 695 (May 2014)

TU FICO - 580 (Oct 2013) 680 (May 2014)

EQ - 509 - (Oct 2013) 672 (May 2014)
Message 7 of 7
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