topic Re: For anyone interested in Comenity And Comenity Capital Cards, here you go! in Credit Cards

For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 02:24:08 GMT

I decided to take an inventory on cards, as come spring time I might need to do some housekeeping. I thought I would share my experience with comenity, for anyone curious about their cards, I definitely have my fair share of them. I am going to list them by date approved, what credit was pulled (hard or soft) the limits and my CLI intervals.

J. Crew- Opened September 2014- $800 limit today its at $22,200.00. For nearly a year I received at least one CLI on the card monthly. Then the well dried up and I had the check box next to request credit limit area. Now the checkbox is gone on all my comenity cards. At the 6 month mark, I saw 10-15 CLI’s back to back. I took a hard pull on this card via Equifax.

Overstock.com- Opened March 2015 from SCT. Approved for $3,000.00. The card now has a $10,000.00 limit. I received monthly CLI’s on this card for a long time until about 5 months ago they stopped. But then in December granted me another. Soft pull on EQ.

Barneys NYC- I had applied for this card several times to a denial letter. But finally in June 2015, approved! $750.00 limit, when the card came it went up to $10,750.00. Then the next month 20,750 and finally the third month i hit my ceiling on it at $30,750.00. Hard pull on Experian.

Pier1 Rewards- June 2015. Approved for $1,000.00. Used the phone line to get a monthly CLI. First they were 500 dollar ones and then the last month I got a 1000 CLI. there were a few months I didn’t attempt any CLI’s on this card. Today it has a $4,000.00. Hard pull on Experian.

Total Rewards Visa- Opened Sept. 2015- Approved via SCT. I had a total rewards account for like 2 years and never could get the pop up. But finally it appeared! instant approval for $3,000.00 followed by an immediate CLI to $4,000.00. Hard pull on Equifax. No CLI yet, but its closing to the 4 month rule and a day.

Modell’s Visa- opened September 2015- Approved via SCT. Hard pull on Equifax. Credit limit $2,000.00. No CLI yet.

Sportsman Guide Visa- Opened October 2015- Approved via SCT. Soft pull on EQ but never did I see a hard pull on my reports. Approved for $4,500.00. No CLI yet.

FRN MasterCard- Opened October 2015- Approved via SCT- hard pull on Equifax. Approval limit was 2,500.00. No CLI yet.

Virgin America- Cold apped. hard pull on Equifax. Approved for $4,000.00. October 2015. No CLI yet. I had applied many times previously for this card and never could get it.

This whole bunch of cards were pretty much back to back approvals in late October 2015;

DSW Visa (3k approved, hard pull on Equifax) Credo Visa ($8,500.00, hard pull on Equifax), True Value Discover ($4,500.00, hard pull on Experian) None of these cards qualify for a CLI yet.

Good Sam Camping World Visa- Approved via SCT- hard pull on EQ. Approved for $4,500.00. Not eligible for CLI yet.

AKC Visa Signature- Approved via cold app, December 2015. Went through verification and got a limit of $5,500.00. Hard pull on EX.

RediVisa- Kept this one to myself for a while lol but was approved via SCT, never did I receive a hard pull on any of my reports for this card. Was approved for $6,500.00 visa signature, soft pull on Equifax. December 2015.

Farmers Visa Signature- received a pre approval in the mail. Instantly approved for $6,000.00 in December 2015. Hard pull on Experian.

As of today my today, my total exposure with them is roughly around $120,000.00. Dang, its a lot of cards I know

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 02:31:56 GMT

I forgot one more, Overtons MasterCard. No hard pull, opened a few weeks ago via SCT. $3,000.00 limit.

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

Anonymous — Wed, 13 Jan 2016 02:34:17 GMT

@ddemari wrote:
I decided to take an inventory on cards, as come spring time I might need to do some housekeeping. I thought I would share my experience with comenity, for anyone curious about their cards, I definitely have my fair share of them. I am going to list them by date approved, what credit was pulled (hard or soft) the limits and my CLI intervals.

J. Crew- Opened September 2014- $800 limit today its at $22,200.00. For nearly a year I received at least one CLI on the card monthly. Then the well dried up and I had the check box next to request credit limit area. Now the checkbox is gone on all my comenity cards. At the 6 month mark, I saw 10-15 CLI’s back to back. I took a hard pull on this card via Equifax.

Overstock.com- Opened March 2015 from SCT. Approved for $3,000.00. The card now has a $10,000.00 limit. I received monthly CLI’s on this card for a long time until about 5 months ago they stopped. But then in December granted me another. Soft pull on EQ.

Barneys NYC- I had applied for this card several times to a denial letter. But finally in June 2015, approved! $750.00 limit, when the card came it went up to $10,750.00. Then the next month 20,750 and finally the third month i hit my ceiling on it at $30,750.00. Hard pull on Experian.

Pier1 Rewards- June 2015. Approved for $1,000.00. Used the phone line to get a monthly CLI. First they were 500 dollar ones and then the last month I got a 1000 CLI. there were a few months I didn’t attempt any CLI’s on this card. Today it has a $4,000.00. Hard pull on Experian.

Total Rewards Visa- Opened Sept. 2015- Approved via SCT. I had a total rewards account for like 2 years and never could get the pop up. But finally it appeared! instant approval for $3,000.00 followed by an immediate CLI to $4,000.00. Hard pull on Equifax. No CLI yet, but its closing to the 4 month rule and a day.

Modell’s Visa- opened September 2015- Approved via SCT. Hard pull on Equifax. Credit limit $2,000.00. No CLI yet.

Sportsman Guide Visa- Opened October 2015- Approved via SCT. Soft pull on EQ but never did I see a hard pull on my reports. Approved for $4,500.00. No CLI yet.

FRN MasterCard- Opened October 2015- Approved via SCT- hard pull on Equifax. Approval limit was 2,500.00. No CLI yet.

Virgin America- Cold apped. hard pull on Equifax. Approved for $4,000.00. October 2015. No CLI yet. I had applied many times previously for this card and never could get it.

This whole bunch of cards were pretty much back to back approvals in late October 2015;

DSW Visa (3k approved, hard pull on Equifax) Credo Visa ($8,500.00, hard pull on Equifax), True Value Discover ($4,500.00, hard pull on Experian) None of these cards qualify for a CLI yet.

Good Sam Camping World Visa- Approved via SCT- hard pull on EQ. Approved for $4,500.00. Not eligible for CLI yet.

AKC Visa Signature- Approved via cold app, December 2015. Went through verification and got a limit of $5,500.00. Hard pull on EX.

RediVisa- Kept this one to myself for a while lol but was approved via SCT, never did I receive a hard pull on any of my reports for this card. Was approved for $6,500.00 visa signature, soft pull on Equifax. December 2015.

Farmers Visa Signature- received a pre approval in the mail. Instantly approved for $6,000.00 in December 2015. Hard pull on Experian.
As of today my today, my total exposure with them is roughly around $120,000.00. Dang, its a lot of cards I know

Wow very impressive ddemari !!! Amazing !!!!!

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 02:35:35 GMT

Thanks Mia. I know its a crazy amount of cards to have with comenity. but, i love when people post pics of their cards and experiences, so I thought well hey I have all these. lets share lol

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

FinStar — Wed, 13 Jan 2016 02:38:57 GMT

Holy Jesus... That's a lot of Comenity action.

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

Anonymous — Wed, 13 Jan 2016 02:39:05 GMT

Yes, I love when members post the pictures of the cats - it gives us a different feel like..... I want one

I do not recall how much you have in CC now, it is clear Comenity loves you a lot !

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 02:41:34 GMT

I'm over 400,000.00

My synch bank and Chase bank stash might be my next pic haha

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 02:42:15 GMT

I know FinStar it's like an explosion of comenity bank over here

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

Anonymous — Wed, 13 Jan 2016 02:44:01 GMT

@ddemari wrote:
I'm over 400,000.00

My synch bank and Chase bank stash might be my next pic haha

Oustanding, great achievement ! " tremendo logro"... I am waiting for Chase and Sync

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 02:45:19 GMT

You got it! Thanks for the nice words! I shall add some more
Info on my relationship with Chase and synch shortly! Clearly I'm bored tonight!

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

FinStar — Wed, 13 Jan 2016 03:01:53 GMT

Yes, please... You definitely have more Chase and SYNCB cards than I do. Definitely an impressive Comenity collection - it seems you were spared AA?

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 03:02:31 GMT

Well let's no jinx me FinStar but yes all my accounts are open in good standing

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 03:02:37 GMT

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 03:32:56 GMT

Chase - 11 cards total. Freedom- $4,000.00, Slate- $4,500.00, CS- $5,000.00, CSP- $8,000.00, Ritz- $10,000.00, United $6,000.00, Amazon Visa- $4,500.00, Zappos Visa-$4,500.00, SW Airlines - $6,500.00, Hyatt- $8,000.00, Marriott $6,000.00.

Synch Bank 9 cards total. I closed Stash,ON, WalMart, and AEO

Ebates Visa- $10,000.00, Lowes- $35,000.00, Sams- $8,000.00, Ebay MC- 10,000.00, Chevron Visa- $7,000.00, BP Visa- $6,000.00, Gap SilverCard- $10,000.00,Banana Repulic $8,000.00, TJX - $3,500.00

I have had to reduce the lines of some of my cards as I am around $98,000.00 in exposure with synch card and if I were to want another card one day. ill have to reduce some more. shouldnt be hard though as lowes is such a massive credit limit lol.

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

FinStar — Wed, 13 Jan 2016 03:35:53 GMT

Indeed a very impressive collection on all fronts ddemari - do you sleep with your cards and tuck them at night?

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 03:37:36 GMT

@FinStar wrote:
Indeed a very impressive collection on all fronts ddemari - do you sleep with your cards and tuck them at night?

bahahahahaa!!!!! i lay out all my cards at night ont the pillows around my bed. JK, i need the size of a king size bed to spead them all out ya know.

this isnt even including my cards with capitalone, barlcays, amex, penfed, fifth third etc lol.

I keep most of them in a cute little box in my night stand

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 03:39:43 GMT

Sometimes though all these cards give me an anxiety attack and I want to purge some, but I cant ever decide which ones cause I like them all lol.

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

Anonymous — Wed, 13 Jan 2016 03:51:40 GMT

@ddemari wrote:
I forgot one more, Overtons MasterCard. No hard pull, opened a few weeks ago via SCT. $3,000.00 limit.

Very informative thread, Thanks. And I was about to remind you about Overton, lol! After all if not for you, I wouldn't have Overton at a APR of 16.9👏🏼👏🏼👏🏼👏🏼👏🏼

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

ddemari — Wed, 13 Jan 2016 03:54:47 GMT

Hahaha! Yes roseyk, I thought about you when I say doh where's that overtons card at!

Re: For anyone interested in Comenity And Comenity Capital Cards, here you go!

Anonymous — Wed, 13 Jan 2016 04:14:10 GMT

@ddemari wrote:
Hahaha! Yes roseyk, I thought about you when I say doh where's that overtons card at!

Lol, you have quite an array of cards, impressive. You must use an excell spread sheet, lol. I do and I don't have half the cards you have. Great Job!!