topic Re: Aw, I just did something so stupid (mini-app spree, hope it didn't cause a hard pull) in Bankruptcy

Aw, I just did something so stupid (mini-app spree, hope it didn't cause a hard pull)

Anonymous — Sat, 24 Oct 2020 20:18:08 GMT

So as I already posted about, I applied MORE than a week ago for the Zales card and got it; I had an item in the basket and even waited till they temped me with $50 off. Only problem is: Even though they SAY the credit will be instant and linked to your shopping account, in this case it never showed up, so I could not make my online purchase. The account is definitely live - I can call in and hear my limit. I've spent time on hold to both Zales and Comenity pleading with them to just let me buy this chain necklace I want with my new credit account but frankly they don't care if I buy anything - Comenity said take it up with Zales, and Zales said Comenity is the one holding up my account number (Comenity won't give it out over the phone, saying I must wait for it to arrive in the mail, and one WEEK ago they said it was mailed, yet it's not here yet.)

So today while looking at this item in my basket like I've been doing every day and calling them like I've done a few times already this week, making sure my $50 off coupon is still good (another 3 weeks till that expires) imagine my fury when my item has a new note: "This item is no longer available. OUT OF STOCK." While they made me wait, it got SOLD OUT. I assume it'll never come back into stock; I'm not going to hold my breath waiting because I know how that usually goes. Meanwhile my card is not here and they don't seem to care if I can order anything or not. Their hold times are infinite, by the way.

Got impatient and looked around for other jewelry cards issued by Comenity. Settled on Reeds Jewelers and found a chain I like even better, for a lower price. All great, right? Created an account, then went down the seductive path of "Apply for credit with us!" I figured if Comenity would approve me for Zales, they would also approve me for Reeds, even though having 2 accounts is not my dream scenario. I was shocked to see that it's SYNCHRONY now, not Comenity anymore. Well, Synchrony got left on the hook for a lot in my BK, so I didn't think I'd be approved. But I was really wanting this better, lower-priced necklace by now. Well, they had half my info filled out, those sneaky something-or-others... They made it oh so easy. Just give us the last 4 of your social. Oh, is this your phone? Is this your address? Check your phone, we just sent you a text. Like a dummy I let them lead me down the road of "hit this button to apply."

DENIED. Past unsatisfactory obligation. But... is it possible they didn't even hit the credit report? It reads, "If a credit report was named, you have a right to ask..." blah blah. Maybe they rejected it internally, which is what I hoped.

Re: Aw, I just did something so stupid (mini-app spree, hope it didn't cause a hard pull)

CreditMagic7 — Sun, 25 Oct 2020 00:09:21 GMT

@Anonymous wrote:
So as I already posted about, I applied MORE than a week ago for the Zales card and got it; I had an item in the basket and even waited till they temped me with $50 off. Only problem is: Even though they SAY the credit will be instant and linked to your shopping account, in this case it never showed up, so I could not make my online purchase. The account is definitely live - I can call in and hear my limit. I've spent time on hold to both Zales and Comenity pleading with them to just let me buy this chain necklace I want with my new credit account but frankly they don't care if I buy anything - Comenity said take it up with Zales, and Zales said Comenity is the one holding up my account number (Comenity won't give it out over the phone, saying I must wait for it to arrive in the mail, and one WEEK ago they said it was mailed, yet it's not here yet.)

So today while looking at this item in my basket like I've been doing every day and calling them like I've done a few times already this week, making sure my $50 off coupon is still good (another 3 weeks till that expires) imagine my fury when my item has a new note: "This item is no longer available. OUT OF STOCK." While they made me wait, it got SOLD OUT. I assume it'll never come back into stock; I'm not going to hold my breath waiting because I know how that usually goes. Meanwhile my card is not here and they don't seem to care if I can order anything or not. Their hold times are infinite, by the way.

Got impatient and looked around for other jewelry cards issued by Comenity. Settled on Reeds Jewelers and found a chain I like even better, for a lower price. All great, right? Created an account, then went down the seductive path of "Apply for credit with us!" I figured if Comenity would approve me for Zales, they would also approve me for Reeds, even though having 2 accounts is not my dream scenario. I was shocked to see that it's SYNCHRONY now, not Comenity anymore. Well, Synchrony got left on the hook for a lot in my BK, so I didn't think I'd be approved. But I was really wanting this better, lower-priced necklace by now. Well, they had half my info filled out, those sneaky something-or-others... They made it oh so easy. Just give us the last 4 of your social. Oh, is this your phone? Is this your address? Check your phone, we just sent you a text. Like a dummy I let them lead me down the road of "hit this button to apply."

DENIED. Past unsatisfactory obligation. But... is it possible they didn't even hit the credit report? It reads, "If a credit report was named, you have a right to ask..." blah blah. Maybe they rejected it internally, which is what I hoped.

Hi @Anonymous - and Post DC'er as well from the hardness of BK.

I had 4-5 Synchrony Cards ALL at near or at $20K lines. None was included whatsover and they were at 0 balance but went Bye Bye once the Filing crossed their system.

Now at 3 months Post-DC retried for Lowes * Sams Club all over again plus another and in all 3 of these tries reapplying they don't even pull a report but dismisses the Apps outright. Which is in itself a courtesy for not having wasted HP's.

My guess is there is a waiting period after a BK with most if not ALL their cards even if they was not included and no matter of having had excellent payments history with them as well as high lines. How long that period is i have no clue but of a truth i wont dare app them for quite some months or at least until solid hard facts determine when their back open for consideration again after a BK even when they wasnt included.

Re: Aw, I just did something so stupid (mini-app spree, hope it didn't cause a hard pull)

Anonymous — Sun, 25 Oct 2020 02:50:26 GMT

Thanks, CreditMagic7. After that long story, I can say it ended up NOT being stupid, but instead worked to my advantage.

1. I learned that the Zales item was overpriced. 2. I learned that the Reeds item was also overpriced, but not as much. 3. I found the item for a (way lower than both) fair price at Sam's Club. And no hard pull after all from Synchrony, so no harm after all!

Re: Aw, I just did something so stupid (mini-app spree, hope it didn't cause a hard pull)

Hex — Sun, 25 Oct 2020 19:21:05 GMT

@Anonymous

I'm glad you found what you wanted at better price. I usually automatically check a few places when I buy anything to save money. I hope you have or are thinking about funding an emergency savings account. I keep out of trouble by never charging anything unless I have enough money in the bank to pay it off at the time of purchase. I never want to end up with no credit again.