topic Re: Total Rewards App 7-10 Days.. in Credit Card Applications

Total Rewards App 7-10 Days..

Anonymous — Sun, 05 May 2019 13:48:29 GMT

So, after reading the boards the last week or so and reading up on the BT offers that Comenity offers, I got intrigued. Like many other comments I've come by, seems like only reason a lot of people want one of their Visa's are for these awesome offers. Noticed I was getting the SG and WS offers now, but really no use for them outside of the possibility of the offers. The TR is/was the only one I could really make any use out of outside of the offers, but couldn't get it to pop. Responded to the Comenity CLI thread basically saying the same and shortly after logged into TR and it popped! Filled it out and got the 7-10 message. Snooping around, seems like it isn't all that uncommon to get with the Visa's and typically a verification issue. I also did attempt to make sure my EQ was unfrozen like it should be, but was getting errors on EQ during the time, where I'm not now. So not sure if that played some part of it or not.

I'm thinking it may be the verification thing because when I call in and give my SS# and zip, it comes back with account information of $0 balance, due, payment. Tried it with a wrong zip and came back indicating no account could be found. Realize I could try and talk to CS, but not wanting to mess with it right this second. Figured I'd post and get some opinions on if the fact it is coming back with information seems favorable as I believe, before I call and attempt to find out if they'll give me any kind of information tomorrow.

Either way, definitely to the garden I go now for the foreseeable future.

Re: Total Rewards App 7-10 Days..

CreditCuriosity — Sun, 05 May 2019 14:03:37 GMT

Most likely a verification issue although i wouldn't be obtaining more than 1 comentity card myself within a year span.. I see you have other cards they issue, hopefully those card are older and not new or a good chance if approved for this one it could be shut down right after approval. Also majors with comenity usually need a 680+ score not sure where yours sit and they need to have access to experian and equifax.. As they HP one and SP the other so if one of those were locked it will be a denial. Best of luck

Re: Total Rewards App 7-10 Days..

Anonymous — Sun, 05 May 2019 14:18:39 GMT

@CreditCuriosity wrote:
Most likely a verification issue although i wouldn't be obtaining more than 1 comentity card myself within a year span.. I see you have other cards they issue, hopefully those card are older and not new or a good chance if approved for this one it could be shut down right after approval. Also majors with comenity usually need a 680+ score not sure where yours sit and they need to have access to experian and equifax.. As they HP one and SP the other so if one of those were locked it will be a denial. Best of luck

Thanks. Scores in sig are accurate, so kinda right on the cusp of approval territory. EX, I never have frozen and TU/EQ I unfroze on Friday until tomorrow. Just found it odd that when I went to check EQ for sure after, their site was having issues and I couldn't see if for sure. Can now and seems like the report was still unfrozen. The store cards I have are all 1y6|7m old. All got at the same time like Fall of '17. Lucked out I think. PPC was Fall of last year, I believe. Not sure how exactly they look upon that now. Read up on all of the stuff, think I should be safe and don't plan on applying for any more majors for them, as I really have no use for them and same can be said about any more store cards. And like I said, plan on gardening for the foreseeable future now too, so not too terribly worried about any AA from all that I read.

Got a little curious and called the SG number and entered my information and came back with the same speal when I entered the wrong zip with TR, no account found. So, kinda makes me think the TR reporting back $0's with the right stuff, is indication that an account was created and it is verification. Will try to find out for sure tomorrow by calling in. Like I said, was just curious what the communities thoughts on it were.

Re: Total Rewards App 7-10 Days..

FinStar — Tue, 07 May 2019 03:04:46 GMT

IME, regarding the Orbitz Visa, very similar scenario. The automated system confirmed something on file (account-wise), but that's about it. Once I received the verification letter, I contacted them as they verified additional information and the account was finalized.

Re: Total Rewards App 7-10 Days..

Meanmchine — Tue, 07 May 2019 04:52:28 GMT

Couple year back, I apped for the TRV and was denied. I had a fraud alert on all files. Commenity HPd EQ. Also SPd EX. Rejection letter listed the report they were using was from INNOVIS.

Comenity computers have serious issues with FAs. If you have them, make sure your contact phone numbrs are listed on them for verification

Re: Total Rewards App 7-10 Days..

Anonymous — Tue, 07 May 2019 04:54:19 GMT

@FinStar wrote:
IME, regarding the Orbitz Visa, very similar scenario. The automated system confirmed something on file (account-wise), but that's about it. Once I received the verification letter, I contacted them as they verified additional information and the account was finalized.

Cool beans! Thanks for the info.

Yeah, I just get told no payment due on no due date, no previous payment; what I meant by the '$0's'. Can't get any other information out of the automation and the stuff I did try, led me to CS and they just said I had to wait for the letter. I'll report back when I know for sure. If it is verification, along with you having a similar experience, could be a way for people to tell what their Comenity 7-10 message means for them.

Re: Total Rewards App 7-10 Days..

Anonymous — Tue, 07 May 2019 04:56:52 GMT

@Meanmchine wrote:
Couple year back, I apped for the TRV and was denied. I had a fraud alert on all files. Commenity HPd EQ. Also SPd EX. Rejection letter listed the report they were using was from INNOVIS.

Comenity computers have serious issues with FAs. If you have them, make sure your contact phone numbrs are listed on them for verification

I don't, but thanks! I wasn't even sure how you'd go about getting one associated with your reports, let alone how to set one up until I was messing around with EQ trying to figure out whether my report was frozen or not for this and came across it.

Re: Total Rewards App 7-10 Days..

FinStar — Tue, 07 May 2019 19:12:51 GMT

@Anonymous wrote:
@FinStar wrote:
IME, regarding the Orbitz Visa, very similar scenario. The automated system confirmed something on file (account-wise), but that's about it. Once I received the verification letter, I contacted them as they verified additional information and the account was finalized.
Cool beans! Thanks for the info.

Yeah, I just get told no payment due on no due date, no previous payment; what I meant by the '$0's'. Can't get any other information out of the automation and the stuff I did try, led me to CS and they just said I had to wait for the letter. I'll report back when I know for sure. If it is verification, along with you having a similar experience, could be a way for people to tell what their Comenity 7-10 message means for them.

Typically, the available credit and/or CL aren't released or unrestricted until verification occurs. Once that step is completed, activation of the CC will release the available credit. As for the 7-10 message, that's actually a toss up. Some are additional verification instances (such as your situation) while others will be a decline.

Let us know the outcome.

Re: Total Rewards App 7-10 Days..

Anonymous — Wed, 08 May 2019 00:29:28 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
IME, regarding the Orbitz Visa, very similar scenario. The automated system confirmed something on file (account-wise), but that's about it. Once I received the verification letter, I contacted them as they verified additional information and the account was finalized.
Cool beans! Thanks for the info.

Yeah, I just get told no payment due on no due date, no previous payment; what I meant by the '$0's'. Can't get any other information out of the automation and the stuff I did try, led me to CS and they just said I had to wait for the letter. I'll report back when I know for sure. If it is verification, along with you having a similar experience, could be a way for people to tell what their Comenity 7-10 message means for them.
Typically, the available credit and/or CL aren't released or unrestricted until verification occurs. Once that step is completed, activation of the CC will release the available credit. As for the 7-10 message, that's actually a toss up. Some are additional verification instances (such as your situation) while others will be a decline.

Let us know the outcome.

Yeah, but I was saying if you call in with the 7-10 and it reports some sort of information as it did in your case and if it does it in mine, could be a way to determine what it means. Unless of course it does this even on 100% declines too. Again, all assuming that mine is verification and not the latter.

Submit app > 7 - 10 message > NO account information found = Decline!
Submit app > 7 - 10 message > Something gets reported back* = Verification

* Again, just a hunch and totally presuming that they don't still create something 100% of the time at the point of initial application submission.

Apologies if you got what I was suggesting. Wasn't sure with your post. My initial read took it as you thought I was confused that a 7-10 could be a bad thing too or something else other than verification. Either way, hope that makes it more clear what I was suggesting earlier.

Re: Total Rewards App 7-10 Days..

FinStar — Wed, 08 May 2019 01:54:22 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
IME, regarding the Orbitz Visa, very similar scenario. The automated system confirmed something on file (account-wise), but that's about it. Once I received the verification letter, I contacted them as they verified additional information and the account was finalized.
Cool beans! Thanks for the info.

Yeah, I just get told no payment due on no due date, no previous payment; what I meant by the '$0's'. Can't get any other information out of the automation and the stuff I did try, led me to CS and they just said I had to wait for the letter. I'll report back when I know for sure. If it is verification, along with you having a similar experience, could be a way for people to tell what their Comenity 7-10 message means for them.
Typically, the available credit and/or CL aren't released or unrestricted until verification occurs. Once that step is completed, activation of the CC will release the available credit. As for the 7-10 message, that's actually a toss up. Some are additional verification instances (such as your situation) while others will be a decline.

Let us know the outcome.
Yeah, but I was saying if you call in with the 7-10 and it reports some sort of information as it did in your case and if it does it in mine, could be a way to determine what it means. Unless of course it does this even on 100% declines too. Again, all assuming that mine is verification and not the latter.

Submit app > 7 - 10 message > NO account information found = Decline!
Submit app > 7 - 10 message > Something gets reported back* = Verification

* Again, just a hunch and totally presuming that they don't still create something 100% of the time at the point of initial application submission.

Apologies if you got what I was suggesting. Wasn't sure with your post. My initial read took it as you thought I was confused that a 7-10 could be a bad thing too or something else other than verification. Either way, hope that makes it more clear what I was suggesting earlier.

No worries, I undertood your logic.

What I would say, for the bolded items, is that there is still a 7-10 day instance that may not have account information to confirm (when calling the automated system) but does not always lead to a decline. This happened several years ago with an A&F CC. While no additional verification correspondence generated, their internal review and verifications process took a while (almost 3 weeks) and it was eventually approved. No letter arrived, just the card. So, it's a great guidance to go by in most situations, but there will always be outliers.

Re: Total Rewards App 7-10 Days..

Anonymous — Wed, 08 May 2019 02:13:14 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
IME, regarding the Orbitz Visa, very similar scenario. The automated system confirmed something on file (account-wise), but that's about it. Once I received the verification letter, I contacted them as they verified additional information and the account was finalized.
Cool beans! Thanks for the info.

Yeah, I just get told no payment due on no due date, no previous payment; what I meant by the '$0's'. Can't get any other information out of the automation and the stuff I did try, led me to CS and they just said I had to wait for the letter. I'll report back when I know for sure. If it is verification, along with you having a similar experience, could be a way for people to tell what their Comenity 7-10 message means for them.
Typically, the available credit and/or CL aren't released or unrestricted until verification occurs. Once that step is completed, activation of the CC will release the available credit. As for the 7-10 message, that's actually a toss up. Some are additional verification instances (such as your situation) while others will be a decline.

Let us know the outcome.
Yeah, but I was saying if you call in with the 7-10 and it reports some sort of information as it did in your case and if it does it in mine, could be a way to determine what it means. Unless of course it does this even on 100% declines too. Again, all assuming that mine is verification and not the latter.

Submit app > 7 - 10 message > NO account information found = Decline!
Submit app > 7 - 10 message > Something gets reported back* = Verification

* Again, just a hunch and totally presuming that they don't still create something 100% of the time at the point of initial application submission.

Apologies if you got what I was suggesting. Wasn't sure with your post. My initial read took it as you thought I was confused that a 7-10 could be a bad thing too or something else other than verification. Either way, hope that makes it more clear what I was suggesting earlier.
No worries, I undertood your logic.

What I would say, for the bolded items, is that there is still a 7-10 day instance that may not have account information to confirm (when calling the automated system) but does not always lead to a decline. This happened several years ago with an A&F CC. While no additional verification correspondence generated, their internal review and verifications process took a while (almost 3 weeks) and it was eventually approved. No letter arrived, just the card. So, it's a great guidance to go by in most situations, but there will always be outliers.

Gotcha! Darn! Thought we had figured out a sneaky way to help decrypt what the message meant for those impatient peoples like myself. Yeah, I read about people just being sent cards too with the messages and no verification and/or letters stating why they got the message.

Re: Total Rewards App 7-10 Days..

Anonymous — Wed, 08 May 2019 09:46:56 GMT

So...this just got emailed to me couple hours ago. No information regarding limit or even mentioning my name. Just...welcome and my card is on the way. Interesting.. Wonder if Comenity and Caesars got something crossed while waiting for verification or something. hMph!

*EDIT* - Called in and it asked me for different verification this time: being a phone number, then my zip and then asked if I would like to add my phone number. Also let me go through the speal of trying for a CLI with/out a HP, declined both. Still won't give me any information regarding what the limit is, just the same stuff it was saying before in regards to that and when I got through to someone, they asked me to call back in an hour because their systems are being updated or something right now.

Re: Total Rewards App 7-10 Days..

Anonymous — Wed, 08 May 2019 11:08:16 GMT

After multiple calls through out the morning due to extended system maintenance, found out it was approved for $1000! Little lower than I was hoping for, but it should grow - right? Every 4m1d for Comenity Visas you can get one if you qualify, if I've read correctly.

Also, should this process of it having to be manually reviewed and not being an instant approval, help out with the account closure garbage that can happen? Or could I still be at risk? Honestly forgot a lot of what I read when it comes to this and don't really wanna re-read a bunch of stuff to see.

Re: Total Rewards App 7-10 Days..

FinStar — Wed, 08 May 2019 15:52:19 GMT

Manual review or verification instances do not prevent account closures or AA. It just depends on the algorithms that may flag an account or can trigger the action. Plus, that department operates independently from any others.

IIRC, it's typically ~6 months for most of the Comenity majors for the CLI option although it's possible some of them can be eligible much sooner so YEMV. Just keep in mind that in a variety of cases some CLIs may result in a HP - just read up on the separate Comenity CLI thread in the applications section.

Re: Total Rewards App 7-10 Days..

FinStar — Wed, 08 May 2019 15:51:20 GMT

And, congrats on the approval @Anonymous.

Locking this thread as you have been approved. Feel free to start a new approval thread in the Approvals forum if you would like to do so.