topic Re: Comenity backed VISA's in Credit Card Applications

Comenity backed VISA's

Anonymous — Sat, 23 Jan 2016 20:56:20 GMT

Anyone know there guidelines for approval, I know the store branded cards are pretty easy to get, what about their VISAs?

In paticular Im refering to the Orbitz Visa.

Thank you

Re: Comenity backed VISA's

jacetx — Sat, 23 Jan 2016 22:42:52 GMT

@Anonymous wrote:
Anyone know there guidelines for approval, I know the store branded cards are pretty easy to get, what about their VISAs?

In paticular Im refering to the Orbitz Visa.

Thank you

With a BK on file it is an automatic denial. I found out the hard way. They are not easy to get and now it seems they are going to be harder to get based on the posts from several people whose accounts have been closed.

Re: Comenity backed VISA's

Anonymous — Sat, 23 Jan 2016 23:09:36 GMT

Ok good to know. Is there a time lapse between the BK and when the will approve or for as long as it on your report?

Re: Comenity backed VISA's

jacetx — Sat, 23 Jan 2016 23:15:35 GMT

@Anonymous wrote:
Ok good to know. Is there a time lapse between the BK and when the will approve or for as long as it on your report?

I applied 6 years after filing BK and every time it was a no. So I'm going to say it is a no go as long as the BK its on your report. I'm not sure if others have had any luck.

Re: Comenity backed VISA's

Anonymous — Sat, 23 Jan 2016 23:30:19 GMT

Wow, ok. Good to know, thanks for the info

Re: Comenity backed VISA's

Anonymous — Sun, 24 Jan 2016 00:24:55 GMT

I have a Comenity backed Visa with a BK. It's a Sportsman's Guide Visa. There are others around here who have other various Visas with Comenity, who have BK as well.

Re: Comenity backed VISA's

Anonymous — Sun, 24 Jan 2016 00:46:37 GMT

I got a sportsman guide visa with comenity via the sct with no hard pull less 22 months post discharge. It is possible.

Re: Comenity backed VISA's

SouthJamaica — Sun, 24 Jan 2016 01:11:56 GMT

@Anonymous wrote:
Anyone know there guidelines for approval, I know the store branded cards are pretty easy to get, what about their VISAs?

In paticular Im refering to the Orbitz Visa.

Thank you

I got turned down for it last month; they pulled EQ, where I had a score of around 685 at the time.

Re: Comenity backed VISA's

bk510 — Sun, 24 Jan 2016 02:32:46 GMT

@jace8602 wrote:
@Anonymous wrote:
Anyone know there guidelines for approval, I know the store branded cards are pretty easy to get, what about their VISAs?

In paticular Im refering to the Orbitz Visa.

Thank you
With a BK on file it is an automatic denial. I found out the hard way. They are not easy to get and now it seems they are going to be harder to get based on the posts from several people whose accounts have been closed.

Yeah, I applied for PP Extra MC 2 weeks ago and ended up with SM account.....I droped that sucker like it was hot.

Re: Comenity backed VISA's

bk510 — Sun, 24 Jan 2016 02:39:21 GMT

@bk510 wrote:
@jace8602 wrote:
@Anonymous wrote:
Anyone know there guidelines for approval, I know the store branded cards are pretty easy to get, what about their VISAs?

In paticular Im refering to the Orbitz Visa.

Thank you
With a BK on file it is an automatic denial. I found out the hard way. They are not easy to get and now it seems they are going to be harder to get based on the posts from several people whose accounts have been closed.
Yeah, I applied for PP Extra MC 2 weeks ago and ended up with SM account.....I droped that sucker like it was hot.

My apologizes, I got Comenity confused with Synchrony

Re: Comenity backed VISA's

elim — Sun, 24 Jan 2016 02:42:21 GMT

@bk510 wrote:
@jace8602 wrote:
@Anonymous wrote:
Anyone know there guidelines for approval, I know the store branded cards are pretty easy to get, what about their VISAs?

In paticular Im refering to the Orbitz Visa.

Thank you
With a BK on file it is an automatic denial. I found out the hard way. They are not easy to get and now it seems they are going to be harder to get based on the posts from several people whose accounts have been closed.
Yeah, I applied for PP Extra MC 2 weeks ago and ended up with SM account.....I droped that sucker like it was hot.

That bait and switch stuff should be illegal. It should NOT report when you didn't app for that product. I won't mess with PP for that reason.

Re: Comenity backed VISA's

SLO805 — Sun, 24 Jan 2016 03:53:04 GMT

i wouldnt even bother. All the random Closed by Creditor accounts in the last 6months. Established years of usage and good accounts gone because who knows why? Yeah ill pass lol.

Re: Comenity backed VISA's

Anonymous — Sun, 24 Jan 2016 06:07:57 GMT

@SLO805 wrote:
i wouldnt even bother. All the random Closed by Creditor accounts in the last 6months. Established years of usage and good accounts gone because who knows why? Yeah ill pass lol.

I'm in this camp too. Just leave them alone. I have 21.7k exposure over 3 cards with them. 1 Visa and 2 store cards. I'm not asking them for anything more. I'm frightened for and concerned about some folks here who have so much of their available credit depending on what Comenity might do. This is a bear that is best left hibernating because it is vicious when it wakes up. When one has 50+ percent of their credit riding on Comenity's whims, well, that's pretty scary.

Re: Comenity backed VISA's

bk510 — Sun, 24 Jan 2016 22:29:06 GMT

@elim wrote:
@bk510 wrote:
@jace8602 wrote:
@Anonymous wrote:
Anyone know there guidelines for approval, I know the store branded cards are pretty easy to get, what about their VISAs?

In paticular Im refering to the Orbitz Visa.

Thank you
With a BK on file it is an automatic denial. I found out the hard way. They are not easy to get and now it seems they are going to be harder to get based on the posts from several people whose accounts have been closed.
Yeah, I applied for PP Extra MC 2 weeks ago and ended up with SM account.....I droped that sucker like it was hot.
That bait and switch stuff should be illegal. It should NOT report when you didn't app for that product. I won't mess with PP for that reason.

Yeah, I'm with you there......Lesson learned.

Re: Comenity backed VISA's

CountryLivin — Mon, 25 Jan 2016 07:30:35 GMT

I never have been able to get a visa or Mastercard from Comenity. I have 11 store cards through them and they all do get used, but after gardening for awhile, I am going to close 3 or 4 of them that I really do not need. I will do one card every 4-6 months, until I get those 3 or 4 closed.