SCT and Comenity Confusion

Anonymous — Mon, 03 Aug 2020 10:50:33 GMT

Just went on a SCT binge to see what would happen.

I already have two Comenity Cards: Beals Florida ($300) and Bed Bath and Beyond ($250)

The limits on those cards a abysmal. The Beals card I have had just over a year and CLI request

went to "Under review". BBB card is new and get auto decline for CLI due to it being a new account.

SCT 1: got the pop up at William Sonoma and was pre approved for $1500.

SCT 2: got the preaproval notice at Appliance Connection for $1500 completed app and got "Under Review"

I think that I got under review because the apps were less than 10 min apart?

Really do not understand how I get a $1500 SCT approval and having a hard time

with CLI on two cards that do get a good bit of use and never carry a balance.

Fico 8 Scores: EFX 661 TU 699 EXP 691

Re: SCT and Comenity Confusion

Anonymous — Tue, 04 Aug 2020 02:50:36 GMT

Comenity is an odd duck and its hard to say why something was approved but something else went to review. It's possible you could get the Appliance Connection card though. Good Luck!

topic SCT and Comenity Confusion in Credit Card Applications

SCT and Comenity Confusion

Re: SCT and Comenity Confusion