No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
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 #
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.
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.
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!
I myself did the Victoria Secrets, Buckle and Brylane Home...approved on all 3 with no hard pull.
@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.
Thanks guys!! I will just wait for the offer to come in the mail or do the shopping trick in a few weeks....