topic Re: MyPoints Visa in Credit Card Approvals

MyPoints Visa

wacdenney — Sun, 09 Feb 2014 21:07:26 GMT

After replying to a post asking a question about the shopping cart trick today, curiosity got the best of me and I logged in to MyPoints and recieved a preapproval. I couldn't resist hitting the accept button, but wound up with a dismal $250.00 CL. That is 1/4 of my normal CL on my other cards... Does anyone know if Comenity has a backdoor recon number? Surely they would recon for more??!? I already tried the luv button and got a 7 to 10 day message.

Re: MyPoints Visa

Creditaddict — Sun, 09 Feb 2014 21:36:09 GMT

@wacdenney wrote:
After replying to a post asking a question about the shopping cart trick today, curiosity got the best of me and I logged in to MyPoints and recieved a preapproval. I couldn't resist hitting the accept button, but wound up with a dismal $250.00 CL. That is 1/4 of my normal CL on my other cards... Does anyone know if Comenity has a backdoor recon number? Surely they would recon for more??!? I already tried the luv button and got a 7 to 10 day message.

Just log in and start hitting the credit line increase button until you get the 7-10 day message... Some have reported getting 5+ increases!!

should work on your sportsmansguide too.

Re: MyPoints Visa

Creditaddict — Sun, 09 Feb 2014 21:37:46 GMT

Oops sorry... Totally wasn't reading!!!!

umm not sure, comenity is weird about recon, doesn't seem possible mostly but Id call csr anyway and tell them you will close if not increased... They can forward

Re: MyPoints Visa

wacdenney — Sun, 09 Feb 2014 21:41:06 GMT

Does anyone know if there is an option to talk to a live person when you call in to activate the card? Maybe I could recon the CL then?

Re: MyPoints Visa

tray — Sun, 09 Feb 2014 22:22:12 GMT

Sorry to hear about the low cl, hopefully someone chimes in who has this card and can give you the telephone number so you can call and to speak with a supervisor, good luck....

Re: MyPoints Visa

gdale6 — Sun, 09 Feb 2014 22:48:26 GMT

Well the card will grow, congrats

Re: MyPoints Visa

Sooners2013 — Mon, 10 Feb 2014 00:11:46 GMT

If you dont mind sharing with us, what are your credit scores? What about your utilization? Do you know if it was a soft or hard pull?

Re: MyPoints Visa

Creditaddict — Mon, 10 Feb 2014 00:24:50 GMT

@Sooners2013 wrote:
If you dont mind sharing with us, what are your credit scores? What about your utilization? Do you know if it was a soft or hard pull?

they HP if you accept the pre-approval.

Re: MyPoints Visa

wacdenney — Mon, 10 Feb 2014 00:46:14 GMT

@Sooners2013 wrote:
If you dont mind sharing with us, what are your credit scores? What about your utilization? Do you know if it was a soft or hard pull?

The only FICO score I know for sure is TU at 681. I got that info on a denial letter on the uPromise earlier this week from Barclay. My Utilization on revolvers show 20% on my Equifax Complete Advantage plan. It's actually slightly lower, but my Sportsman's Guide card and a Cap 1 CLI have yet to report. I do not show any inquiries from Comenity on EQ for today, but there is a SP from them on there that is less than 30 days old, so maybe they used that?

I have not got any alerts from CreditKarma (TU) or ProtectMyID (EX) about a any new inquiries either.

Re: MyPoints Visa

wacdenney — Mon, 10 Feb 2014 00:47:21 GMT

@Creditaddict wrote:
@Sooners2013 wrote:
If you dont mind sharing with us, what are your credit scores? What about your utilization? Do you know if it was a soft or hard pull?
they HP if you accept the pre-approval.

I do not see an HP on my EQ report. They do generally pull EQ for me. It certainly could happen tomorrow, however.

Re: MyPoints Visa

wacdenney — Mon, 10 Feb 2014 00:50:51 GMT

@wacdenney wrote:
@Sooners2013 wrote:
If you dont mind sharing with us, what are your credit scores? What about your utilization? Do you know if it was a soft or hard pull?
The only FICO score I know for sure is TU at 681. I got that info on a denial letter on the uPromise earlier this week from Barclay. My Utilization on revolvers show 20% on my Equifax Complete Advantage plan. It's actually slightly lower, but my Sportsman's Guide card and a Cap 1 CLI have yet to report. I do not show any inquiries from Comenity on EQ for today, but there is a SP from them on there that is less than 30 days old, so maybe they used that?

I have not got any alerts from CreditKarma (TU) or ProtectMyID (EX) about a any new inquiries either.

Actually I just noticed an HP from Comenity on 01/24/14 from when I applied for the Total Rewards Visa. I think it's likely they used that HP. Maybe?

Re: MyPoints Visa

B335is — Mon, 10 Feb 2014 01:03:42 GMT

Most of Comenity pre approval Visa cards will result in a HP, yes there's exceptions, but expect one.

Mypoints hasn't been anywhere close to as generous with CLI as my other Comenity Visas. I think they will reconsider, but you have to do it in writing.

Re: MyPoints Visa

Creditaddict — Mon, 10 Feb 2014 01:08:32 GMT

sorry again... was thinking total rewards not mypoints... I thought mypoints was sp only.

now when did you get the pop up... when you first logged into my points or after clicking to go somewhere?

Re: MyPoints Visa

B335is — Mon, 10 Feb 2014 01:16:53 GMT

Back when I got mine I had created a profile and a few weeks later noticed a SP on my EQ from Comenity/Mypoints. I logged in and got the pop up but it didn't give me the limit beforehand.

Re: MyPoints Visa

fedxboy — Mon, 10 Feb 2014 03:13:20 GMT

When I got the MyPoints Visa in July 2013 -- it was from a pre approved pop-up too and no HP. I've been at $2k for 7 months. I'm wondering when these evaluations take place

On the flyer, which held the card says:

Enjoy these great benefits

Regular credit limit incease evaluations** and no annual fee
1 extra Point per dollar when you use the card to make purchases through MyPoints.com
2 Points per dollar at all gas stations and grocery stores
1 Point per dollar everywhere else Visa is accepted -- online or offline

**Account must be in good standing to qualify

Re: MyPoints Visa

wacdenney — Mon, 10 Feb 2014 03:19:54 GMT

@Creditaddict wrote:
sorry again... was thinking total rewards not mypoints... I thought mypoints was sp only.
now when did you get the pop up... when you first logged into my points or after clicking to go somewhere?

I had logged into the site after replying to another post about the shopping cart trick. I did not get a "popup" at any point.

Out of boredom while I was on the site I decided to complete my profile. It asks tons of questions you can tell are geared towards marketing. One of the questions was about how I preferred to earn points and I chose "shopping offline". Well after completing my profile I went back and checked under the "Easy Points" tab because I had read here on the forums that this was where to look. Listed at the bottom of the links under that tab was a new one for "MyPoints Rewards Visa". When I clicked that link is when went to a page where I could see the Pre-Approval.

I could NOT see the credit limit before accepting or I would not have accepted. I guess since the card has no AF, it's not going to hurt anything carrying it. Hopefully that limit will eventually grow.

Re: MyPoints Visa

Creditaddict — Mon, 10 Feb 2014 03:21:09 GMT

Have you hit the button online?!

Re: MyPoints Visa

Anonymous — Thu, 01 May 2014 09:25:58 GMT

For the shopping card trick for My Points Visa where does it occur at? What do you actually have to do to attempt to see if it will pop up. I would appreciate the info, Thanks.