topic Re: Comenity and inquiries. in Credit Cards

Comenity and inquiries.

Meanmchine — Sat, 21 Oct 2017 10:09:34 GMT

I am thinking of pulling the trigger on the Williams Sonoma Visa as I have been getting pre approval popups and mail for 6 months now.

Currently I have 4 inquiries on EQ, all within the last 12 months but I have only 2 new accounts for the last 12 months.

I am planning a mini app spree soon being sure not to get an EQ pull.

Question is, at what point does Comenity start getting nervous? I dont want to get approved just to be closed in a week

I have 2 Comenity store cards and 1 Visa TCL <10k Oldest account is almost 9 years old

Re: Comenity and inquiries.

B335is — Sat, 21 Oct 2017 23:22:18 GMT

Nobody knows for sure what triggers a Comenity AA. Some people get it from just 1 inquiry and others get it from going nuts on the SCT. Even if you respond to the preapproval, expect a HP since it's a Visa.

Based on the info you've shared I'd say you should be safe as long as other Comenity cards aren't part of your planned mini-spree.

Re: Comenity and inquiries.

AverageJoesCredit — Sat, 21 Oct 2017 23:25:00 GMT

+1 B335is , Tread with care , with confidence but with knowledge theres a possibilty.

Re: Comenity and inquiries.

CreditCuriosity — Sun, 22 Oct 2017 02:27:05 GMT

Know one knows as others stanted for sure.. Tons of people with tons of accounts and still have tons of comenity store and visa cards. I suspect it is more than inquiries such as utilization and overall DTI although not enough data points or possibly full disclosure.