topic Re: Update Comenity Approval BJ's Elite Mastercard... in Credit Card Approvals

Update Comenity Approval BJ's Elite Mastercard...

tray — Tue, 02 Dec 2014 00:01:58 GMT

Well Hi everyone update on my last thread all I can say Comenity can be weird, recieved my letter today from my app I did over 10 days ago for this card stating my app could not be processed since I had a security freeze and in the letter states EQ, I swear this company does not know the difference between EQ and EX, in which I did have a security freeze on EX at the time not EQ, in the letter it stated I could reapply. Well my freeze have been removed for a few days now, so I placed another app again tonight and instant approval given for the elite card, set up online account and limit is stating 9,000.00 with another hard pull done on EQ what gives .... This will be the last Comenity card for me.....

Re: Update Comenity Approval BJ's Elite Mastercard...

coldnmn — Tue, 02 Dec 2014 00:21:08 GMT

Congrats! Thanks for sharing.

Re: Update Comenity Approval BJ's Elite Mastercard...

Anonymous — Tue, 02 Dec 2014 00:25:55 GMT

Congrats!

Re: Update Comenity Approval BJ's Elite Mastercard...

ojefferyo — Tue, 02 Dec 2014 00:29:30 GMT

Wait, how did they do another hard pull if it was frozen?

Re: Update Comenity Approval BJ's Elite Mastercard...

Anomalous — Tue, 02 Dec 2014 00:35:48 GMT

Congratulations!

Re: Update Comenity Approval BJ's Elite Mastercard...

uswala — Tue, 02 Dec 2014 00:37:20 GMT

Congrats!

Re: Update Comenity Approval BJ's Elite Mastercard...

bigblue7722 — Tue, 02 Dec 2014 00:38:03 GMT

congrats sorry about the two hp. The card is pretty interesting but the gas is a killer for me. Only ten cents a gallon off is not enough compared to sallie mae at 5% back. I fill up about 15 gallons at at time at 3.00 bucks a gallon thats $2.25 at 5% on sallie mae where with bj's i would only save 1.50.

Re: Update Comenity Approval BJ's Elite Mastercard...

tray — Tue, 02 Dec 2014 00:46:35 GMT

@ojefferyo wrote:
Wait, how did they do another hard pull if it was frozen?

EQ was never frozen only EX at that time of 1st app which is not at this time....

Re: Update Comenity Approval BJ's Elite Mastercard...

b_diddy — Tue, 02 Dec 2014 00:49:28 GMT

Congrats on the approval!

Re: Update Comenity Approval BJ's Elite Mastercard...

tray — Tue, 02 Dec 2014 00:53:18 GMT

@bigblue7722 wrote:
congrats sorry about the two hp. The card is pretty interesting but the gas is a killer for me. Only ten cents a gallon off is not enough compared to sallie mae at 5% back. I fill up about 15 gallons at at time at 3.00 bucks a gallon thats $2.25 at 5% on sallie mae where with bj's i would only save 1.50.

I have a Sallie Mae too but remember the cap off 250.00, I am more interested in 5% purchases at bj's.....

Re: Update Comenity Approval BJ's Elite Mastercard...

Creditaddict — Tue, 02 Dec 2014 01:23:57 GMT

Did you try a CLI?

Re: Update Comenity Approval BJ's Elite Mastercard...

fury1995 — Tue, 02 Dec 2014 03:27:16 GMT

The strange thing about Comenity is that they often soft Ex and hard Eq for the same app. I have freecreditscore monitoring and it alerts me for Experian ID requests (not inquiries). I'ts always Comenity which is how I know which preapprovals I'm getting from the various Comenity branded cards at checkout. On the ones that actually hp'd Eq, there was a soft first on Ex almost every time. That's more than likely your answer.

Re: Update Comenity Approval BJ's Elite Mastercard...

pipeguy — Tue, 02 Dec 2014 03:31:19 GMT

@bigblue7722 wrote:
congrats sorry about the two hp. The card is pretty interesting but the gas is a killer for me. Only ten cents a gallon off is not enough compared to sallie mae at 5% back. I fill up about 15 gallons at at time at 3.00 bucks a gallon thats $2.25 at 5% on sallie mae where with bj's i would only save 1.50.

True, but around here BJ's gas is cheaper than any/most others with regular being $2.65 and BJ's $2.49 (at the moment), with the BJ's card its $2.39 (-10 cents). Athough Costco and Sam's typically match the $2.49, they don't go the extra 10 cents off at the pump.

At a certain point the "game" becomes a waste of my time chasing pennies, but the BJ's card makes it simple, pump price = lowest in area, then an extra10 cents off - good enough for me.

Note that while I don't have the S.M. Barclays card, I do have other cards that offer 5% up to certain limits.

Re: Update Comenity Approval BJ's Elite Mastercard...

alvon123 — Tue, 02 Dec 2014 11:04:43 GMT

congrats

Re: Update Comenity Approval BJ's Elite Mastercard...

tray — Wed, 03 Dec 2014 01:19:09 GMT

@Creditaddict wrote:
Did you try a CLI?

Yeah, at it was a big fat NO...LOL

Re: Update Comenity Approval BJ's Elite Mastercard...

Jeff532003 — Wed, 07 Jan 2015 14:01:53 GMT

Funny mine was a full on soft pull. Only asked for last four of social. I applied on 12/26 for the perks plus not elite and got a 2500 limit which is now my highest limit card. I'm still rebuilding but breaking 700 on EQ and EX. I'm very happy with it.

Re: Update Comenity Approval BJ's Elite Mastercard...

Anonymous — Thu, 08 Jan 2015 00:02:00 GMT

Congratulations!