topic Re: Comenity 2 Week Letter? in Credit Card Applications

Comenity 2 Week Letter?

Anonymous — Sun, 24 May 2020 03:54:33 GMT

I recently applied for a $5,000 Alphaeon medical credit card so my daughter can get braces. I already have Care Credit ($1,500CL), but for some reason, they won't increase my limit because I don't own real estate (the denial letter literally says due to lack of real estate).

Anyway - when I applied for the Alphaeon card, I got a message that said they'd send me a letter in 2 weeks after they've had time to review. I already have two comenity cards (Overstock '$2,500CL' and Victoria Secret '$1,500CL'). My FICO 8 score is 624. Income slightly over $90k a year.

Has anyone ever received the 2 week letter message before? What are my odds of being approved?

Re: Comenity 2 Week Letter?

Jnbmom — Sun, 24 May 2020 04:08:35 GMT

@Anonymous wrote:
I recently applied for a $5,000 Alphaeon medical credit card so my daughter can get braces. I already have Care Credit ($1,500CL), but for some reason, they won't increase my limit because I don't own real estate (the denial letter literally says due to lack of real estate).

Anyway - when I applied for the Alphaeon card, I got a message that said they'd send me a letter in 2 weeks after they've had time to review. I already have two comenity cards (Overstock '$2,500CL' and Victoria Secret '$1,500CL'). My FICO 8 score is 624. Income slightly over $90k a year.

Has anyone ever received the 2 week letter message before? What are my odds of being approved?

I am hoping I am wrong, but based on your score I am thinking a possible denial.

Re: Comenity 2 Week Letter?

TekkenQQ7 — Sun, 24 May 2020 04:56:56 GMT

Re: Comenity 2 Week Letter?

Anonymous — Sun, 24 May 2020 11:43:08 GMT

Good luck OP, fingers crossed for you! 🤞🏼

Re: Comenity 2 Week Letter?

Meanmchine — Mon, 25 May 2020 04:08:23 GMT

Good lck and let us know what happens

Re: Comenity 2 Week Letter?

AverageJoesCredit — Mon, 25 May 2020 12:19:53 GMT

@Anonymous wrote:
I recently applied for a $5,000 Alphaeon medical credit card so my daughter can get braces. I already have Care Credit ($1,500CL), but for some reason, they won't increase my limit because I don't own real estate (the denial letter literally says due to lack of real estate).

Anyway - when I applied for the Alphaeon card, I got a message that said they'd send me a letter in 2 weeks after they've had time to review. I already have two comenity cards (Overstock '$2,500CL' and Victoria Secret '$1,500CL'). My FICO 8 score is 624. Income slightly over $90k a year.

Has anyone ever received the 2 week letter message before? What are my odds of being approved?

I dont put much stock in thst Sync denial reason. Did you actually cal Credit Solutions for an increase or just hit the request button. Your score might be real reason for deniel though

Re: Comenity 2 Week Letter?

Anonymous — Sat, 06 Jun 2020 22:26:29 GMT

Hey guys. Just an update. Turns out my credit report was frozen. I asked for $10k, but was only approved for $4k. It's a start.

Re: Comenity 2 Week Letter?

Remedios — Sun, 07 Jun 2020 04:03:07 GMT

Congrats on your approval.

Feel free to start an approval thread if you wish to do so