topic Re: Comenity Turned me down for a BJ's Perks Master Card in Credit Card Applications

Comenity Turned me down for a BJ's Perks Master Card

App_Addict — Wed, 26 Nov 2014 01:14:05 GMT

So I was feelling great because I'm well on my way to getting back on track. Went on an App Spree and applied for a Wally card....APPROVED...Kohls card....APPROVED...QuickSilver One Card...APPROVED! BJ's MasterCard....7-10 day! Just got the letter and says "We are unable to approve due to:

* Excessive Balance to to Credit Limit Ratio on recently opened trades (Under 10% Utilatization)

* % of accounts opened in the last 24 months is too high

* To many charged off trades (Charge offs are 4 years old)

Too many Credit Inquires (OK, got me there 10!)

The only good thing was:

Your Equifax Credit Score is 663 (WOOOOHOOO I DIDN'T KNOW IT HAD REACH THOSE HEIGHTS!)

Should I call them, or should I just garden and try in 6 months? When I applied I did not see a HP on my report. They only got my last 4 of SS, so not sure what is up with that. They did not give a number only an address to contact them. Very excited about the approvals, but bummed on this one because I could use the perks! Thoughts?

Re: Comenity Turned me down for a BJ's Perks Master Card

FinStar — Wed, 26 Nov 2014 01:18:39 GMT

Unfortunately, Comenity does not reconsider auto-declined applications, especially with the reasons cited. The UW criteria are a bit more stringent for their co-branded cards than thier store cards.

Re: Comenity Turned me down for a BJ's Perks Master Card

waiter — Wed, 26 Nov 2014 01:32:32 GMT

I was declined for the same card , with 5 inq on equifax... reason was too many inquires.

My score was 986 out of 999 on their letter.

Re: Comenity Turned me down for a BJ's Perks Master Card

CreditCuriosity — Wed, 26 Nov 2014 01:37:36 GMT

@waiter wrote:
I was declined for the same card , with 5 inq on equifax... reason was too many inquires.

My score was 986 out of 999 on their letter.

wow

Re: Comenity Turned me down for a BJ's Perks Master Card

App_Addict — Wed, 26 Nov 2014 02:01:24 GMT

@waiter wrote:
I was declined for the same card , with 5 inq on equifax... reason was too many inquires.

My score was 986 out of 999 on their letter.

Well don't feel so good about that 663 now

Re: Comenity Turned me down for a BJ's Perks Master Card

tray — Wed, 26 Nov 2014 02:22:32 GMT

I applied too and pretty much know I was declined as well just waiting for my letter, will update when i recieve it....