topic Re: Comenity Bank Strategy in Credit Card Approvals

Comenity Bank Strategy

dallasareaguy — Mon, 03 Nov 2014 22:30:52 GMT

So I have a J.Crew and Express Next account totalling $700 in credit. Does use of the credit through these and making payments help my chances of getting approved for a Comenity Visa through them down the road or is it likely to be strictly hard pull numbers that decide each time?

Re: Comenity Bank Strategy

Anonymous — Tue, 04 Nov 2014 00:54:45 GMT

Here's a good strategy. There are three Comenity cards that only have attached major cards (no just store card offers). The Sportsman's Guide, Total Rewards & Camping World. Keep trying those three sites until you get a popup for pre-approval. I think they rely mainly on your credit score and not your history of making payments with their other cards. I have read where you have to be in the 700s to get the major credit card pre-approvals.

Re: Comenity Bank Strategy

Anonymous — Tue, 04 Nov 2014 02:12:01 GMT

Also the Virgin America Visa and the Fuel Rewards Network MasterCard.

Re: Comenity Bank Strategy

Anonymous — Tue, 04 Nov 2014 02:42:39 GMT

don't forget their purplicious orbitz visa card. though require hp, fairly easy card to get.

Re: Comenity Bank Strategy

Anonymous — Tue, 04 Nov 2014 02:56:34 GMT

@Anonymous wrote:
Here's a good strategy. There are three Comenity cards that only have attached major cards (no just store card offers). The Sportsman's Guide, Total Rewards & Camping World. Keep trying those three sites until you get a popup for pre-approval. I think they rely mainly on your credit score and not your history of making payments with their other cards. I have read where you have to be in the 700s to get the major credit card pre-approvals.

Not exactly true. I got the pop up for the Sportsmans Guide Visa, got approved for $7K and my scores were in the 660 range