topic Re: Comenity Carter's Approval in Credit Card Approvals

Comenity Carter's Approval

Anonymous — Thu, 15 Oct 2020 17:44:06 GMT

2nd App after a 3+ year break. I just posted about my Chase Amazon Prime Signature Approval.

Just got instant approval and a tiny $1000 SL for the "new" Carter's credit card. I'm not that bothered as it's not going to be a heavy use card in any way, shape or form. Opened mostly just to collect double points on clothes for the kid. Every 150 points earned generates a $10 coupon.

That said, there don't seem to be a lot of data point on this card here. o I'm making this post to add to that. The two references I found had scores in the mid-high 600s to low 700s - they both got $1000 SL's as well. I know I'm in the 800s all around, so that could Comenity/Carter's starting line threshold. Or they don't trust me because my income was stated as other since it was household. Who knows! *shrugs*

I did need to join their Rewarding Moments (such a cheesy name!) rewards program prior to applying for the card.

They give a nice 25% off everything (including clearance and doorbuster items) bonus for opening the card. Saved $50 with that.

But it's still Comenity, which I understand is an "is what it is" lender. I would like to recon but a quick search here tells me that's not really worth the time. So, as with Chase, I guess I'll use and pay off on it a few times and then ask for a CLI. Of course, this will take much longer as we only buy kid clothes maybe 2x a year.

If you're reading, I hope you're having a great day!

Re: Comenity Carter's Approval

cashorcharge — Thu, 15 Oct 2020 17:53:18 GMT

Congratulations on your Carter's Approval!

Re: Comenity Carter's Approval

AllZero — Thu, 15 Oct 2020 18:06:50 GMT

Congratulations on your approval!

Re: Comenity Carter's Approval

blindambition — Thu, 15 Oct 2020 18:45:31 GMT

Congrats on your approval!! Since it's Comenity, you should be able to increase limit fairly easy over time. Comenity is a finicky lender though. CLD and closures happen out of the blue. One card doesn't put you at great risk. 😊

Re: Comenity Carter's Approval

CreditAggie — Thu, 15 Oct 2020 19:08:25 GMT

Congratulations on your Carter's approval!

Re: Comenity Carter's Approval

M_Smart007 — Thu, 15 Oct 2020 19:31:21 GMT

Congratulations on your Comenity Carter's Approval..

Re: Comenity Carter's Approval

gdale6 — Thu, 15 Oct 2020 19:59:18 GMT

Not too bad, grats on this one too

Re: Comenity Carter's Approval

Aim_High — Thu, 15 Oct 2020 20:33:15 GMT

Congrats on your Carter's approval and

welcome back out of the garden, @Anonymous!

That was a long time away!

Re: Comenity Carter's Approval

Meanmchine — Fri, 16 Oct 2020 00:29:38 GMT

Congrats again !

Re: Comenity Carter's Approval

Anonymous — Fri, 16 Oct 2020 02:50:24 GMT

Updating that Comenity/Carter's was a soft pull to Experian.