topic Re: Caesars rewards Rewards VISA - thoughts in Credit Cards

Caesars rewards Rewards VISA - thoughts

PointsBonus — Sun, 10 Mar 2019 03:58:30 GMT

Any thoughts ? DP ?
Let it begin !!

Thank you all

Re: Caesars rewards Rewards VISA - thoughts

whocares — Sun, 10 Mar 2019 04:06:59 GMT

Let me guess...you got a pre-approval notification when you logged in the Caesar Rewards site from Comenity Bank and got all excited???

Re: Caesars rewards Rewards VISA - thoughts

pipeguy — Sun, 10 Mar 2019 04:12:38 GMT

Total Rewards card backed by Comenity? Had one, don't anymore - its Comenity, enough said.

Re: Caesars rewards Rewards VISA - thoughts

Blackswizz750 — Sun, 10 Mar 2019 04:16:02 GMT

I would pass as its a Commenity card and can't see the appeal.

Re: Caesars rewards Rewards VISA - thoughts

PointsBonus — Sun, 10 Mar 2019 04:20:10 GMT

@whocares wrote:
Let me guess...you got a pre-approval notification when you logged in the Caesar Rewards site from Comenity Bank and got all excited???

Nope no pop up pre approvals. I just logged in and was curious due to the Platinum tier and credits earning.

Seems not to many people like...Comenity Bank ?...any reasons ?

Re: Caesars rewards Rewards VISA - thoughts

pipeguy — Sun, 10 Mar 2019 04:29:23 GMT

@PointsBonus wrote:
@whocares wrote:
Let me guess...you got a pre-approval notification when you logged in the Caesar Rewards site from Comenity Bank and got all excited???
Nope no pop up pre approvals. I just logged in and was curious due to the Platinum tier and credits earning.
Seems not to many people like...Comenity Bank ?...any reasons ?

High APR, very skittish as far as your overall profile and they are well known for shutting you down in a heartbeat typically with the excuse of "too many inquiries" no matter your history. Note that I have zero missed payments or lates, then and now. There many many other stories on MyFico reporting Comenity shutting down accounts. Who needs the grief even if the APR was reasonable. Note too that I had 7-star status from Ceasars at the time and really saw no benefits from using the Total Rewards card, in or out of Ceasar's properties.

Re: Caesars rewards Rewards VISA - thoughts

whocares — Sun, 10 Mar 2019 05:03:17 GMT

Awww...I only say that because just TODAY I just logged into my Caesars Reward portal and the pre-approved offer popped up! Stay away unless your play and stay patterns are astronimical...otherwise your status alone gets you enough and you'd better off with other travel cards like the Chase Sapphire line of cards.

Re: Caesars rewards Rewards VISA - thoughts

Anonymous — Sun, 10 Mar 2019 15:01:25 GMT

@PointsBonus wrote:
Any thoughts ? DP ?
Let it begin !!

Thank you all

I have it, use it and like it. Lol not everyone likes, for good reason. Only issues I've had I caused myself. They send great balance transfer offers often. YMMV, but I have not had issues with this card.

Re: Caesars rewards Rewards VISA - thoughts

Meanmchine — Mon, 11 Mar 2019 00:03:51 GMT

@Anonymous wrote:
@PointsBonus wrote:
Any thoughts ? DP ?
Let it begin !!

Thank you all
I have it, use it and like it. Lol not everyone likes, for good reason. Only issues I've had I caused myself. They send great balance transfer offers often. YMMV, but I have not had issues with this card.

The BT offers are usually offered accross all Comenity Bank Cards at the same time

Re: Caesars rewards Rewards VISA - thoughts

kdm31091 — Mon, 11 Mar 2019 00:40:55 GMT

@pipeguy wrote:
@PointsBonus wrote:
@whocares wrote:
Let me guess...you got a pre-approval notification when you logged in the Caesar Rewards site from Comenity Bank and got all excited???
Nope no pop up pre approvals. I just logged in and was curious due to the Platinum tier and credits earning.
Seems not to many people like...Comenity Bank ?...any reasons ?
High APR, very skittish as far as your overall profile and they are well known for shutting you down in a heartbeat typically with the excuse of "too many inquiries" no matter your history. Note that I have zero missed payments or lates, then and now. There many many other stories on MyFico reporting Comenity shutting down accounts. Who needs the grief even if the APR was reasonable. Note too that I had 7-star status from Ceasars at the time and really saw no benefits from using the Total Rewards card, in or out of Ceasar's properties.

Comenity definitely frowns on people who seek [whatever they percieve as] a lot of credit, regardless of one's payment history.

If you aren't applying for many cards and really want the Caesars card, OP, it should be fine, although I think it's nothing really that special. But if you have recent inquiries I would steer clear for awhile.

Re: Caesars rewards Rewards VISA - thoughts

Anonymous — Mon, 11 Mar 2019 11:38:24 GMT

I got this card from a pre approval pop up when I was booking a Vegas trip for me and my husband. The card is worth it if you frequent casinos. I was in the rebuilding stages of my life after wrecking my credit so I couldn't get a better rewards card at the time. I have had no issues with the card and the only time Comenity closed an account on me was when a card hadn't been used in 6 months. They also lowered the limit on one of my cards when my credit score dropped but 3 months later they raised it again without me asking. I got approved for that card with 8 Inq and several new accounts. My fico 8 was around 620 at the time. You can read about dozens of people and their experiences with Comenity but in the end each credit profile varies as with their experiences with this particular lender. If you would benefit from the rewards I say it's a great card to have. If you are just looking for a new card to add to your portfolio I would research other options that better fit your spending. I will add that because it's Comenity and not one of the "BIG BOY LENDERS" eg. American Express, Capital One, Discover... your starting limit might be lower than you want and it might not grow as high as you'd hoped.

Re: Caesars rewards Rewards VISA - thoughts

Anonymous — Mon, 11 Mar 2019 16:32:52 GMT

@Anonymous wrote:
I got this card from a pre approval pop up when I was booking a Vegas trip for me and my husband. The card is worth it if you frequent casinos. I was in the rebuilding stages of my life after wrecking my credit so I couldn't get a better rewards card at the time. I have had no issues with the card and the only time Comenity closed an account on me was when a card hadn't been used in 6 months. They also lowered the limit on one of my cards when my credit score dropped but 3 months later they raised it again without me asking. I got approved for that card with 8 Inq and several new accounts. My fico 8 was around 620 at the time. You can read about dozens of people and their experiences with Comenity but in the end each credit profile varies as with their experiences with this particular lender. If you would benefit from the rewards I say it's a great card to have. If you are just looking for a new card to add to your portfolio I would research other options that better fit your spending. I will add that because it's Comenity and not one of the "BIG BOY LENDERS" eg. American Express, Capital One, Discover... your starting limit might be lower than you want and it might not grow as high as you'd hoped.

i agree, when it gets to a usable amount, stop asking for CLI. i use mine a lot for the Vegas perks, but its not for everyone. i have found that it has gotten me more comp rooms and things. ALso,, the free parking is great if you rent a car there ( i dont). theres also the FNBO MLife card, harder to get, but similar perks. i applied for it and am waiting still as we speak. LOL GOOD luck if you get it, let us know what you decide, interested to know if you get it. (2 free buffet passes will be added to your caesars account when you get approved also.)