topic Re: Comenity Auto Decline in Credit Cards

Comenity Auto Decline

MyDataMyChoice — Fri, 03 Oct 2014 15:40:00 GMT

Spoke to Comenity Customer Relations Comenity declines applications if there are more than 5 inq within the last 30 days Just wanted to let people know

Re: Comenity Auto Decline

MissMoni223 — Fri, 03 Oct 2014 17:23:09 GMT

Thanks for sharing.

Re: Comenity Auto Decline

LiberatedRN — Fri, 03 Oct 2014 17:38:21 GMT

That's good information to know! Thanks for sharing!

Re: Comenity Auto Decline

juggalo9er — Fri, 03 Oct 2014 19:55:24 GMT

AND THERE IS NO MENTION OF CREDITADDICT IN THIS THREAD

Re: Comenity Auto Decline

CardHunter — Sun, 19 Aug 2018 05:43:40 GMT

wrote:
Spoke to Comenity Customer Relations Comenity declines applications if there are more than 5 inq within the last 30 days Just wanted to let people know

Thanks for the info. I just cold apped for the Tigerdirect card (again) a few mins ago but got the 7 - 10 day window which I am taken is a decline but I only had 1 inq. in the past 30 days! Boo! Thanks again for the info.

Re: Comenity Auto Decline

CardHunter — Fri, 03 Oct 2014 21:24:35 GMT

@juggalo9er wrote:
AND THERE IS NO MENTION OF CREDITADDICT IN THIS THREAD

LOL..Yeah, something just isn't right with this thread. LOL..

Re: Comenity Auto Decline

Te3030 — Fri, 03 Oct 2014 22:05:00 GMT

Thanks for the info, but I was approved with 5+ inquires as well as my wife was approved & she had 8 in 1 month.

Re: Comenity Auto Decline

dursty87 — Fri, 03 Oct 2014 22:18:45 GMT

When I applied for the Virgin America card and was declined due to inquiries I tried to recon and they said too many in the past 3 months. I don't think this applies to all Comenity cards..most likely different UW criteria.

Re: Comenity Auto Decline

FinStar — Sat, 04 Oct 2014 03:21:03 GMT

@ssondubs wrote:
When I applied for the Virgin America card and was declined due to inquiries I tried to recon and they said too many in the past 3 months. I don't think this applies to all Comenity cards..most likely different UW criteria.

Exactly. Each private label company sets those standards with CB/CCB and those algorithms are tweaked based on portfolio management that would be associated with account growth, marketing promotions, credit losses, etc. These are adjusted periodically. So, it's not a one-size fits all for all Comenity CCs.

Re: Comenity Auto Decline

Anonymous — Fri, 12 Dec 2014 21:25:47 GMT

A little late to the party on this one. Thank you so much for the information, much appreciated.

Re: Comenity Auto Decline

chalupaman — Fri, 12 Dec 2014 22:00:05 GMT

So does this apply to their non Paypal Credit BML accounts as well? What about in the last six months? I could use their HP Preferred one. Where's Ron1 when you need him?

Edit: Just got approved for HP Preferred! I'm pretty happy. Got another BML TL but don't know the limit yet. The welcome email is in my inbox. I've always wanted to have this TL.

Re: Comenity Auto Decline

CreditUnionFan — Sun, 14 Dec 2014 05:40:52 GMT

@chalupaman wrote:
So does this apply to their non Paypal Credit BML accounts as well? What about in the last six months? I could use their HP Preferred one. Where's Ron1 when you need him?

Edit: Just got approved for HP Preferred! I'm pretty happy. Got another BML TL but don't know the limit yet. The welcome email is in my inbox. I've always wanted to have this TL.

I don't know about HP specifically, but I've been disappointed in the NewEgg "powered by BML"... it's a separate line and I have yet to find anywhere other than NewEgg where that CL can be used. So, I have a $8k NewEgg/BML, but when I tried to make a new purchase on a regular Paypal/BML, it was declined... and I had to use the GECRB Ebay CC instead, lol

Re: Comenity Auto Decline

chalupaman — Sun, 14 Dec 2014 07:47:30 GMT

@CreditUnionFan wrote:
@chalupaman wrote:
So does this apply to their non Paypal Credit BML accounts as well? What about in the last six months? I could use their HP Preferred one. Where's Ron1 when you need him?

Edit: Just got approved for HP Preferred! I'm pretty happy. Got another BML TL but don't know the limit yet. The welcome email is in my inbox. I've always wanted to have this TL.
I don't know about HP specifically, but I've been disappointed in the NewEgg "powered by BML"... it's a separate line and I have yet to find anywhere other than NewEgg where that CL can be used. So, I have a $8k NewEgg/BML, but when I tried to make a new purchase on a regular Paypal/BML, it was declined... and I had to use the GECRB Ebay CC instead, lol

It is pretty weird that Comenity gives higher CLs on those kinds of Paypal Credit accounts but not as much on the main one. I got just a 501 dollar limit on mine and went for that one first before getting any of the other ones which have all been 2k.

Re: Comenity Auto Decline

CreditMagic7 — Sun, 14 Dec 2014 15:08:12 GMT

Thanks for sharing that useful Data Point.