topic Re: Comenity (Bread) AAA Visa Signature Pre-Approval in Credit Card Applications

Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Mon, 24 Jul 2023 23:53:06 GMT

So, I'm an AAA member. I have been deluged in mail and email that I am "Pre Approved" for an AAA Signature Visa Credit Card. I read and re-read all the fine print at least 3 times but see no asterisks or anything that says "pre-approved, but if....blah blah blah".

I did notice they don't have a firm interest rate. It says it's either this or it's that.

Searched online and found the minimum starter CL for this card is $5,000.00. Supposedly.

The thing is I went BK on 2 Comenity cards about 15-months ago, but from what I read online, Comenity can be forgiving. IDK.

Wondering if anyone has any insight or experience with Comenity/Bread AAA Visa. Thanks!

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

SouthJamaica — Tue, 25 Jul 2023 01:57:09 GMT

@Nyrell wrote:
So, I'm an AAA member. I have been deluged in mail and email that I am "Pre Approved" for an AAA Signature Visa Credit Card. I read and re-read all the fine print at least 3 times but see no asterisks or anything that says "pre-approved, but if....blah blah blah".

I did notice they don't have a firm interest rate. It says it's either this or it's that.

Searched online and found the minimum starter CL for this card is $5,000.00. Supposedly.

The thing is I went BK on 2 Comenity cards about 15-months ago, but from what I read online, Comenity can be forgiving. IDK.

Wondering if anyone has any insight or experience with Comenity/Bread AAA Visa. Thanks!

I have the Comenity AAA Travel Advantage Visa. I think it's a great card.

I'm not knowledgeable about their underwriting or about their attitude towards past bankruptcy. I can only say that when I got approved my scores were at their lowest ebb in many years, and my utilization was at its highest point ever.

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Tcal — Tue, 25 Jul 2023 05:08:53 GMT

It's profile dependent as always, but I did squeak in with a $1k starting line right when I started taking my credit seriously (EX: ~630ish) if that helps.

At the time there were 11 erroneous 60+ day delinquencies that were later removed

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

MileHigh96 — Tue, 25 Jul 2023 15:25:31 GMT

@Nyrell wrote:
So, I'm an AAA member. I have been deluged in mail and email that I am "Pre Approved" for an AAA Signature Visa Credit Card. I read and re-read all the fine print at least 3 times but see no asterisks or anything that says "pre-approved, but if....blah blah blah".

I did notice they don't have a firm interest rate. It says it's either this or it's that.

Searched online and found the minimum starter CL for this card is $5,000.00. Supposedly.

The thing is I went BK on 2 Comenity cards about 15-months ago, but from what I read online, Comenity can be forgiving. IDK.

Wondering if anyone has any insight or experience with Comenity/Bread AAA Visa. Thanks!

I don't have their Comenity/Bread AAA Visa, but I do have the Bread Cash Back AmEx and thier Petco Mastercard that I both got within the last 6 weeks. I had a couple of Comenity cards that got burned in my BK7 back in July of '21 and when I cold app'ed for the AmEx I was approved with a $4500 limit, which I was both surprised and happy about because I really wanted that card. So I got both of these cards right around 2 years post discharge, so they were BK friendly for me. But of course as always, YMMV.

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Jeffster1 — Thu, 27 Jul 2023 15:44:48 GMT

I was approved for the Comenity AAA Signature Visa about 21 months post-DC. I was approved for 5K instantly, and this came just a COUPLE days after a 7K instant approval for the Bread Cashback Amex. I had never had a Comenity card before. My scores were all just over 700.

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Janneman — Thu, 27 Jul 2023 20:46:53 GMT

Do you have to be a AAA member to apply for this card??

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Thu, 27 Jul 2023 20:49:05 GMT

Yes, you do!

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Thu, 27 Jul 2023 20:49:18 GMT

Thanks!

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Tcal — Thu, 27 Jul 2023 20:51:18 GMT

@Janneman wrote:
Do you have to be a AAA member to apply for this card??

You do not need to be a member

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Thu, 27 Jul 2023 21:20:36 GMT

The link Comenity sent takes me to a page which asks for my AAA Membership # and states it's required. This is why I said membership is required.

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Tcal — Thu, 27 Jul 2023 22:08:43 GMT

@Nyrell wrote:
The link Comenity sent takes me to a page which asks for my AAA Membership # and states it's required. This is why I said membership is required.

Maybe for the preapproval. But not the application itself. I am not a member & I have the card.

Also you can look at all the DPs on this to confirm.

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Thu, 27 Jul 2023 22:42:27 GMT

I'm not arguing with you. It is what it is.

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

CYBERSAM — Mon, 31 Jul 2023 18:31:30 GMT

@Nyrell wrote:
The link Comenity sent takes me to a page which asks for my AAA Membership # and states it's required. This is why I said membership is required.

It's probably to verify your location! This card is not offered everywhere that AAA has coverage. There is also USbank AAA CC.

I do have AAA membership and this card, however they are not connected at all!

But I always wondered why they would have a brand card that does not require any membership requirement! Now that this card is issued by Comenity and is more popular than before, it wouldn't surprise me if AAA would want to require a membership to obtain this card in the future.

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Mon, 31 Jul 2023 18:33:23 GMT

Thanks for the reply!

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Janneman — Wed, 02 Aug 2023 05:59:21 GMT

Can anyone post a link to its pre approval??

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Thu, 16 Nov 2023 23:06:23 GMT

So, it's been a few months since I posted about the "pre-approved" Comenity AAA Visa Signature Card notices I've continuously receieved in the mail and in my email.

The application stated this card is Pre-Approved and did not have an asterisk! It said an AAA Membership # is required and the application only asked for the last 4 of my SSN.

I finally said 'what the heck' and went ahead and applied. Keep in mind I just burned Comenity last year in BK7 with 2 accounts totalling over $20K. I followed the customized link they sent me, entered my AAA membership ID, and the last 4 of my SSN and was approved instantly for $3K at 30%. Again, not great terms but no annual fee and 0% interest for 12-months.

The really cool part is this was a SOFT PULL. This happened 3 days ago. I've been checking my CRs since and there are no inquiries. I've already rec'd an email from Comenity asking me if I want a virtual account number to use in the meantime.

So, all in alll I guess I'm okay with it. I know from experience Comenity increases CL's about every 4 or 5 months when asked. Still rebuilding after a really bad year in 2022.

Anyway, just wanted to update everyone. Thanks to all who chipped in their 2-cents. I appreciate it! Happy Holidays!

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Linnaea — Thu, 16 Nov 2023 23:16:31 GMT

Congrats

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Thu, 16 Nov 2023 23:18:48 GMT

Thanks!!

Next I have to figure out how to edit my 'signature' which is grossly outdated. LOL

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

masscredit — Wed, 30 Apr 2025 20:04:34 GMT

@Nyrell I received a pre-approved offer a few days ago so I'm doing some research. Most of my limits are in the $5000+ range so I kind of don't want to go for it and end up with something low (you never know). You've had it for about a year and a half. How have they been for CLIs and did it truely end up being a SP when you applied?

Thanks!

Re: Comenity (Bread) AAA Visa Signature Pre-Approval

Nyrell — Wed, 30 Apr 2025 20:36:35 GMT

Hey,

It was a SP and the SL was a measly $2,200. They've never raised it, and I've never asked. Honestly, I don't use the card at all. I was disappointed in the CL and the interest rate.