topic Re: Jcrew Comenity SP or HP? in Credit Cards

Jcrew Comenity SP or HP?

Anonymous — Mon, 31 Aug 2015 05:26:29 GMT

I've had a Jcrew card from Comenity for about 4 months now. I've spent a couple hundred dollars and have requested CLI's about 3 times but to no avail. I just hit the LUV button and received a $200 CLI from $250 to $450 now. I'm really hoping this is going to only be a Soft Pull. Has anyone been experiencing HPs for Comenity Jcrew lately? I'm nervous.

Re: Jcrew Comenity SP or HP?

SunriseEarth — Mon, 31 Aug 2015 06:15:27 GMT

@Anonymous wrote:
I've had a Jcrew card from Comenity for about 4 months now. I've spent a couple hundred dollars and have requested CLI's about 3 times but to no avail. I just hit the LUV button and received a $200 CLI from $250 to $450 now. I'm really hoping this is going to only be a Soft Pull. Has anyone been experiencing HPs for Comenity Jcrew lately? I'm nervous.

Historically, the CLIs through the LUV button or the phone "robot-lady" have been SP. Some have reported HPs on CLI requests; however, these seem to occur when someone is transferred to a live CSR and they initiate a request.

Re: Jcrew Comenity SP or HP?

Anonymous — Mon, 31 Aug 2015 13:08:16 GMT

It has been a SP everytime and I do use the Luv button.

Re: Jcrew Comenity SP or HP?

Creditaddict — Mon, 31 Aug 2015 14:43:13 GMT

call automated phone system and say no to specific amount and repeat if approved.

that's always sp

Re: Jcrew Comenity SP or HP?

Anonymous — Mon, 31 Aug 2015 18:23:27 GMT

I got the Jcrew over a month ago with a SP and just got hit with a HP...can i fight this?

Re: Jcrew Comenity SP or HP?

Anonymous — Mon, 31 Aug 2015 23:06:26 GMT

@Anonymous wrote:
I got the Jcrew over a month ago with a SP and just got hit with a HP...can i fight this?

Sorry. It was a legit inquiry and will be hard. But you can call and see if they are willing to make an exception. It does not hurt to try.

Re: Jcrew Comenity SP or HP?

taxi818 — Tue, 01 Sep 2015 00:15:40 GMT

@Anonymous wrote:
I got the Jcrew over a month ago with a SP and just got hit with a HP...can i fight this?

Wow. that is unreal. i can't tell you how many credit limit increases i have had with jcrew. not a single one a hp. Did you call and speak to a live rep or something?

Re: Jcrew Comenity SP or HP?

kdm31091 — Tue, 01 Sep 2015 02:02:00 GMT

Any creditor has the right to do a HP when you seek credit i.e. CLI. Historically, Comenity is/was a SP for CLIs but that doesn't mean they can't do a HP. So fighting it is probably of little use, as it was legitimate.

Anyway, I think everyone just has to dial back with the Comenity CLI requests if they don't want HPs. Personally I am not asking on my BJ's card anymore because I'm not taking a HP for a CLI on such a narrow usage card. I would advise anyone who's concerned about it to just avoid asking, as the trend seems to be going towards HPs.

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 06:54:22 GMT

I got JCrew last week and tried to do a CLI online. Got the 7-10 message. Did Buckle and Express tonight. I hope I don't get a HP. I will let people know by the end of the week.

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 13:30:54 GMT

Hey all, the HP wasn't for a CLI, it was for getting the card. I got the card over a month ago using the SCT (SP) only entering the last 4 of my SSN, i thought i was good. The HP showed up yesterday and was alerted CSDI first then CK.

I did call the rep but not to have him remove it but to explain what happened...he said that's how they work, they wait for month cycle to report the HP. He said that if you read the find print (which sometimes we dont lol), it says you will be subject to a credit pull which will be an HP.

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 13:36:02 GMT

@Anonymous wrote:
Hey all, the HP wasn't for a CLI, it was for getting the card. I got the card over a month ago using the SCT (SP) only entering the last 4 of my SSN, i thought i was good. The HP showed up yesterday and was alerted CSDI first then CK.

I did call the rep but not to have him remove it but to explain what happened...he said that's how they work, they wait for month cycle to report the HP. He said that if you read the find print (which sometimes we dont lol), it says you will be subject to a credit pull which will be an HP.

Yes c00mtg, thqt is the recent information I was given also. So those of us applying for CLI's and for new cards with Comenity should tread with the understanding and knowledge that it really could go either way, as kdm stated. So far we've had 4 people in the last few weeks mention they had a hard pull with requesting Comenity store card CLI's using the automated system and/or luv button. Good to be informed that it could go either way.

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 13:40:19 GMT

So I might have to wait a month to find out? This is crap. I read the preappoval page and the card agreement, didn't see anything about them doing a HP. It just says subject to credit approval. Grey area I guess. This is gonna suck having possibly 3+ HP soon. I only did it to get some easy new accounts.

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 13:40:49 GMT

@Anonymous wrote:
@Anonymous wrote:
Hey all, the HP wasn't for a CLI, it was for getting the card. I got the card over a month ago using the SCT (SP) only entering the last 4 of my SSN, i thought i was good. The HP showed up yesterday and was alerted CSDI first then CK.

I did call the rep but not to have him remove it but to explain what happened...he said that's how they work, they wait for month cycle to report the HP. He said that if you read the find print (which sometimes we dont lol), it says you will be subject to a credit pull which will be an HP.

Yes c00mtg, thqt is the recent information I was given also. So those of us applying for CLI's and for new cards with Comenity should tread with the understanding and knowledge that it really could go either way, as kdm stated. So far we've had 4 people in the last few weeks mention they had a hard pull with requesting Comenity store card CLI's using the automated system and/or luv button. Good to be informed that it could go either way.

Yeah, the good thing is that i got t those card because i really wanted them and never new about those stores which i do have in san diego ca. I use the jcrew for my son and the express for myself. I wont be requesting any CLI only because i dont want that to affect any future CLIs with my other CCs. I dont spend more than $100 on each card anyways so dont need a high limit on them.

HPs should be on your CR for only a year lol, how cool would that be? dreaming...

Re: Jcrew Comenity SP or HP?

kdm31091 — Tue, 01 Sep 2015 13:42:40 GMT

@Anonymous wrote:
So I might have to wait a month to find out? This is crap. I read the preappoval page and the card agreement, didn't see anything about them doing a HP. It just says subject to credit approval. Grey area I guess. This is gonna suck having possibly 3+ HP soon. I only did it to get some easy new accounts.

Anytime you apply for credit, they are allowed to take a HP. The whole "SCT" thing is not foolproof. It is merely based on anecdotal evidence. At any point, Comenity could change the policy and start taking HPs for the store cards (and for some people, they do take HPs for them).

The point is don't apply for any cards you don't really want. There's no such thing as an "easy new account". Any account can cost you a HP (or two or three!). You need to apply for things you want and are prepared to take a HP for. There's never a guarantee of any SCT or SP or anything like that.

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 13:42:54 GMT

@Anonymous wrote:
So I might have to wait a month to find out? This is crap. I read the preappoval page and the card agreement, didn't see anything about them doing a HP. It just says subject to credit approval. Grey area I guess. This is gonna suck having possibly 3+ HP soon. I only did it to get some easy new accounts.

yeah, it sucks but it is what it is. We just have to take it like a man/woman and move on i guess lol...i wasn't happy either but at the same time, i basically did apply for it even though it was a SP.

I FORGOT!!!! my wife told me she got a HP notification yesterday as well for her SP victoria secret card.

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 13:49:02 GMT

I can take it. I'm not getting a car loan until probably August of next year anyways. I will still post on here if I do get any HP. I noticed that HP don't effect me to much, compared to my wife which is in the mid 700's.

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 13:53:39 GMT

@Anonymous wrote:
I can take it. I'm not getting a car loan until probably August of next year anyways. I will still post on here if I do get any HP. I noticed that HP don't effect me to much, compared to my wife which is in the mid 700's.

Well, my day was NOT good overall yesterday...firts, i get denied by sync for a $9k 0% for 18 mos loan (which i was going to pay in 6 months), then the Jcrew & Express HPs...3 HPs yesterday lol.

Re: Jcrew Comenity SP or HP?

kdm31091 — Tue, 01 Sep 2015 13:55:13 GMT

@Anonymous wrote:
@Anonymous wrote:
I can take it. I'm not getting a car loan until probably August of next year anyways. I will still post on here if I do get any HP. I noticed that HP don't effect me to much, compared to my wife which is in the mid 700's.
Well, my day was NOT good overall yesterday...firts, i get denied by sync for a $9k 0% for 18 mos loan (which i was going to pay in 6 months), then the Jcrew & Express HPs...3 HPs yesterday lol.

Think you need to reset your garden date!

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 13:59:11 GMT

@kdm31091 wrote:
@Anonymous wrote:
@Anonymous wrote:
I can take it. I'm not getting a car loan until probably August of next year anyways. I will still post on here if I do get any HP. I noticed that HP don't effect me to much, compared to my wife which is in the mid 700's.
Well, my day was NOT good overall yesterday...firts, i get denied by sync for a $9k 0% for 18 mos loan (which i was going to pay in 6 months), then the Jcrew & Express HPs...3 HPs yesterday lol.
Think you need to reset your garden date!

Yeah, I feel off the wagon and got ran over

Re: Jcrew Comenity SP or HP?

Anonymous — Tue, 01 Sep 2015 14:00:06 GMT

@kdm31091 wrote:
@Anonymous wrote:
@Anonymous wrote:
I can take it. I'm not getting a car loan until probably August of next year anyways. I will still post on here if I do get any HP. I noticed that HP don't effect me to much, compared to my wife which is in the mid 700's.
Well, my day was NOT good overall yesterday...firts, i get denied by sync for a $9k 0% for 18 mos loan (which i was going to pay in 6 months), then the Jcrew & Express HPs...3 HPs yesterday lol.
Think you need to reset your garden date!

Ohh crap, i totally forgot lol...done!