topic Re: approval in Credit Card Applications

approval

Anonymous — Sun, 11 Dec 2016 05:20:00 GMT

I have a torrid and buckle credit card through comenity bank. I was wondering if I applied for the total rewards visa would I get approved since it's also through comenity.

Re: approval

Aduke1122 — Sun, 11 Dec 2016 06:15:33 GMT

The visa and Mc cards by Comenity have a stricter underwriting than the store cards do, it all depends on your scores and profile.

Re: approval

Anonymous — Sun, 11 Dec 2016 06:30:05 GMT

I have a 631 TU

Re: approval

fltireguy — Sun, 11 Dec 2016 12:26:53 GMT

What is your EQ

Re: approval

AverageJoesCredit — Sun, 11 Dec 2016 13:20:03 GMT

Hi Op, welcome to the forum! It might be better to post questions about approval chances in either applications or credit cards subforums as this section is usually for already approved .

I find that as with most credit companies , having one card with them doesnt gaurentee youll be approved for another ss each card has different underwriting and criteria. As stated above, usually visas and mastercards are usually abit more stringent in the approval process. Best of luck on your continued credit journey

Re: approval

Anonymous — Sun, 11 Dec 2016 18:38:48 GMT

623 eq

Re: approval

Aduke1122 — Sun, 11 Dec 2016 22:29:07 GMT

I personally would not try for a visa or Mc with Comenity until I was over 650s , just my thoughts.

Re: approval

Meanmchine — Tue, 13 Dec 2016 04:53:45 GMT

Total Rewards requires you to join their rewards program before apping. Its free to join. You might even get a preapproval popup but at your score it might be close

Re: approval

Anonymous — Tue, 13 Dec 2016 07:55:11 GMT

Do you have any negative items on your EQ?