topic Re: Comenity Bank- Total Rewards Visa Signature in Credit Card Approvals

Comenity Bank- Total Rewards Visa Signature

Anonymous — Thu, 15 Oct 2015 02:40:32 GMT

I finally made it where I wanted to be ... Now, Virgin America is on my way

Re: Comenity Bank- Total Rewards Visa Signature

ddemari — Thu, 15 Oct 2015 02:43:21 GMT

Congrats Mia! U have such good limits!!

Re: Comenity Bank- Total Rewards Visa Signature

Anonymous — Thu, 15 Oct 2015 02:48:12 GMT

Congrats Mia, very nice work! Enjoy your new CLI. This card has great 0% balance transfer offers from time to time. Mine is at 13k right now, and I love the card!

Re: Comenity Bank- Total Rewards Visa Signature

CreditCuriosity — Thu, 15 Oct 2015 02:53:06 GMT

Congrats MIA! Curious what did you get approved for limit wise on the Virgin America card? Heard you mention it a few times, but never saw your approval thread Mind sharing initial CL on that card?

Re: Comenity Bank- Total Rewards Visa Signature

Saleen099 — Thu, 15 Oct 2015 03:34:01 GMT

NICE CONGRATS!!!!!!!

Re: Comenity Bank- Total Rewards Visa Signature

CH-7-Mission-Accomplished — Thu, 15 Oct 2015 03:43:56 GMT

Can I confim that Total Rewards and Virgin are SP only? Are they SCT? I have a Total Rewards account I set up, but I don't see how you would use a shopping card trick. Do you have to book a hotel stay?

I learned today that Sportsman's Guide is a SP only using SCT.

Re: Comenity Bank- Total Rewards Visa Signature

CreditCuriosity — Thu, 15 Oct 2015 03:58:22 GMT

@CH-7-Mission-Accomplished wrote:
Can I confim that Total Rewards and Virgin are SP only? Are they SCT? I have a Total Rewards account I set up, but I don't see how you would use a shopping card trick. Do you have to book a hotel stay?

I learned today that Sportsman's Guide is a SP only using SCT.

All three cards EXPECT a HP for. You might get lucky and get a SP for the SGV or Virgin America or Total Rewards, but most people get hit with HP's. So if you cannot afford a HP or don't want one don't apply for these cards as there is a GOOD chance you will get a HP whether it is the day you appy or a few days down the road. Just my 2 cents and as always YMMV as recent scenarios of a few people getting away with SP approvals althoug comenity "changed" their policy to supposibly be HP's for all visa/mc products.

w/regards to Total Rewards SCT just got to login site and if you are pre-approved it wil pop-up when you log in site without having to do anything else as long as they have your address. I had the pop-up and it was a HP against my Experian report.

Re: Comenity Bank- Total Rewards Visa Signature

alextercero — Thu, 15 Oct 2015 03:58:11 GMT

Congrats

Re: Comenity Bank- Total Rewards Visa Signature

CH-7-Mission-Accomplished — Thu, 15 Oct 2015 04:13:30 GMT

@CreditCuriousity wrote:
@CH-7-Mission-Accomplished wrote:
Can I confim that Total Rewards and Virgin are SP only? Are they SCT? I have a Total Rewards account I set up, but I don't see how you would use a shopping card trick. Do you have to book a hotel stay?

I learned today that Sportsman's Guide is a SP only using SCT.
All three cards EXPECT a HP for. You might get lucky and get a SP for the SGV or Virgin America or Total Rewards, but most people get hit with HP's. So if you cannot afford a HP or don't want one don't apply for these cards as there is a GOOD chance you will get a HP whether it is the day you appy or a few days down the road. Just my 2 cents and as always YMMV as recent scenarios of a few people getting away with SP approvals althoug comenity "changed" their policy to supposibly be HP's for all visa/mc products.

w/regards to Total Rewards SCT just got to login site and if you are pre-approved it wil pop-up when you log in site without having to do anything else as long as they have your address. I had the pop-up and it was a HP against my Experian report.

This was my understanding, but in another thread today, a senior member on here told me that I was wrong about these cards causing HPs. I only asked again in this thread because I wanted to hear it from somebody else. I am getting totally different information from senior members of this board so I'm confused.

I do understand you should be prepared for a HP if you apply for credit. I would like to get the straight skinny, though, since there is some clear disagreement on here today.

I am not planning on apping for any of these cards at this time, but I keep a constantly updated list so when I go on my next app spree, I have my choices listed in priority order.

Re: Comenity Bank- Total Rewards Visa Signature

ddemari — Thu, 15 Oct 2015 04:31:22 GMT

mia again congrats on your card!

ch7 rebuilding, yesterday I took 2 comenity Visa pop up offers. Today here are both inquiries on EQ. I wish I could have gotten in with comenity back in the day when it was visa/mc very pop up friendly.

Re: Comenity Bank- Total Rewards Visa Signature

OmarGB9 — Thu, 15 Oct 2015 05:36:50 GMT

Grats

Re: Comenity Bank- Total Rewards Visa Signature

Anonymous — Thu, 15 Oct 2015 12:59:39 GMT

Huge congrats to you!

Re: Comenity Bank- Total Rewards Visa Signature

Anonymous — Thu, 15 Oct 2015 14:06:55 GMT

Congrats Mia, fantastic limit

Re: Comenity Bank- Total Rewards Visa Signature

Ysettle4 — Thu, 15 Oct 2015 15:25:48 GMT

What a starting limit!

Re: Comenity Bank- Total Rewards Visa Signature

Anonymous — Thu, 15 Oct 2015 15:28:42 GMT

Big congrats!

Real nice CL, enjoy!

Re: Comenity Bank- Total Rewards Visa Signature

Anonymous — Thu, 15 Oct 2015 23:54:02 GMT

@CH-7-Mission-Accomplished wrote:
Can I confim that Total Rewards and Virgin are SP only? Are they SCT? I have a Total Rewards account I set up, but I don't see how you would use a shopping card trick. Do you have to book a hotel stay?

I learned today that Sportsman's Guide is a SP only using SCT.

Sportsmans Guide was a hard pull for me.

Re: Comenity Bank- Total Rewards Visa Signature

Anonymous — Fri, 16 Oct 2015 00:51:21 GMT

@Anonymous wrote:
@CH-7-Mission-Accomplished wrote:
Can I confim that Total Rewards and Virgin are SP only? Are they SCT? I have a Total Rewards account I set up, but I don't see how you would use a shopping card trick. Do you have to book a hotel stay?

I learned today that Sportsman's Guide is a SP only using SCT.
Sportsmans Guide was a hard pull for me.

And Sportsman's Guide was a hard pull for me as well. Others have reported the same. Best to be prepared for it to go either way.

Re: Comenity Bank- Total Rewards Visa Signature

Anonymous — Fri, 16 Oct 2015 22:11:11 GMT

I Applied for a Total Rewards Visa this week , BINGO!!! Approved $18,000 Thanks MYFICO Community .

Re: Comenity Bank- Total Rewards Visa Signature

12njoy — Sat, 17 Oct 2015 13:45:42 GMT

Congrats Mia. You and B335 get all the Comenity love. I'm left out in the cold

Re: Comenity Bank- Total Rewards Visa Signature

Jerry45 — Sat, 17 Oct 2015 14:19:38 GMT

Wow! Congrats Mia!