topic Re: Caesars Total Rewards Denial..Comenity Recon Success Rate? in Credit Card Applications

Caesars Total Rewards Denial..Comenity Recon Success Rate?

Anonymous — Mon, 17 Feb 2020 16:57:56 GMT

so a few weeks ago, i applied for the caesars total rewards visa through comenity bank.

got the dreaded, "your application is under review, expect a letter in 14 days".

as to no suprise i got the denial letter in the mail.

letter states that my credit score as of jan 20 was a 480.

- inquiries did adversely affect the score

- length of time oldest bank revolving account has been established too short

- not enough bankcard debt experience

- proportion of satisfactory trades too low

when i check my fico 8 credit report, comenity bank only did a hard pull from equifax. at the time of the pull, my fico was 688.

as of last week, it's now 714.

i've had 4 inquiries since august 2019, and the 4th was the comenity bank hp.

i have 3 revolvers. oldest one, i am an au on. (opened 7/2016).

my first revolver (not au) opened on 9/18.

utilization was at 24% at time of applying and is now at 12%.

according to fico report, i have no late payments, deliquencies, baddies, collection etc.

all clean

should i try to do a recon with comenity bank?

i've read some older threads where success rate with them is really low for recon.

thanks in advance for all your assistance.

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

M_Smart007 — Mon, 17 Feb 2020 18:35:50 GMT

Sorry for your denial OP. My opinion is whether they are recon friendly or not, you already took the HP.

I do not know anything about Comenity, but I would try. Don't think it can hurt at this point.

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

Anonymous — Mon, 17 Feb 2020 18:50:15 GMT

Sorry about your denial. Like Smart said, it's worth a shot since you already took a HP.

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

Anonymous — Mon, 17 Feb 2020 20:53:01 GMT

sounds good.

i'll make the call this week.

it'll be my first time doing a recon call.

any experiences with comenity? any tips?

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

CreditCuriosity — Mon, 17 Feb 2020 22:35:50 GMT

Comenity doesn't recon

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

FinStar — Tue, 18 Feb 2020 05:25:54 GMT

@CreditCuriosity wrote:
Comenity doesn't recon

Echoing the above, years ago, there were small successes on such outcomes. No longer the case with UW automation if denied for credit-related reasons.

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

TekkenQQ7 — Tue, 18 Feb 2020 06:19:20 GMT

Good luck!

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

Anonymous — Tue, 18 Feb 2020 14:38:40 GMT

thanks for the heads up @CreditCuriosity and @FinStar

i'll just wait it out and try to apply later in the year once my first non au revolver hits 1 year.