topic Re: Comenity Credit Card List in Credit Cards

Comenity Credit Card List

TiggerDat — Mon, 04 Feb 2013 02:40:42 GMT

There has been some talk recently about Comenity Credit Cards, which used to be WFNNB, so I made a bit of a list, maybe we can update it with any missing ones or ones which have been dropped. I was amazed at the number of them!

LISTING

Bealls of Florida

Bealls Outlet (Same company, different card. You can use the Bealls of Floridia at the Bealls outlet, but not vice versa. That was Bealls doing not them.)

Marathon Gas

Marathon Gas Visa

Victoria's Secret

NY and Co.

Brylane Homes

Abercrombie

Sportsman's Guide Visa

My Points Visa

J. Crew

Express

The Limited

HSN card

J. Crew

Buckle

One Stop Plus

Catherines

West Elm

Crate & Barrell

Bon Ton

Avenue

Justice

Dressbarn

Restorations Hardware

Burkes

Maurice's

Pottery Barn

Christopher and Banks

Eddie Bauer

Z Gallerie

Reeds Jewelers

Petland

Metrostyle

Chadwicks

Roamans

Arhaus Archage

OPT/Arizona Mail Order

Torrid

J. Jill

King Size

Goodies

Peebles

Ashley Stewart

Davids Bridal

Stage

Blaire

Lane Bryant

Giant Eagle

Bedford Fair

Value City

Fashion Bug

American Signature

Haband

Speigel

Ann Taylor

Gander Mountain

Samueal Diamond

Undergear

American

Women Within

Trek

Pier 1

Pacific Sunwear

Palais Royal

Gardner White

Orchard Supply Hardware

Sports Authority

Gordmans

Smile Generation Financial

The Room Place

Love Loft

Re: Comenity Credit Card List

Creditaddict — Mon, 04 Feb 2013 03:12:41 GMT

NICE First of all and Thank You.

Now which ones have option for Visa? EDIT.... sorry not sure why I didn't see you listed Visa on them already... sorry again!.

Re: Comenity Credit Card List

Anonymous — Mon, 04 Feb 2013 05:58:05 GMT

Much appreciated.

Re: Comenity Credit Card List

chnceit — Mon, 04 Feb 2013 06:00:42 GMT

WOW thats an impressive list of stores they back. What are the typical scores and CRA they pull? Are they generous like GE in CLI's?

Re: Comenity Credit Card List

TiggerDat — Mon, 04 Feb 2013 06:14:05 GMT

@chnceit wrote:
WOW thats an impressive list of stores they back. What are the typical scores and CRA they pull? Are they generous like GE in CLI's?

I think they pull Experian. They didn't do a hard pull for my Visa. They are small but steady. My Marathon card started as a $150 limit and is just over a year has reached $900. I tried yesterday for another CLI, but no go. Oddly, Walmart went to $1700 from a $1000 and I think I have had the account 7months. So GE seems to be a little more generous if you maintain your account well with them. Heck I have a Belks with GE I have never used and they increased my limit from $300 to $800 when I asked at the third month.

Oh, and yeah that is a pretty big list and I do suspect that I missed a few.

Re: Comenity Credit Card List

chnceit — Mon, 04 Feb 2013 06:16:50 GMT

Thanks for the info and I do hope they will follow in GE's footsteps because GE is coming really popular and known

Re: Comenity Credit Card List

TiggerDat — Mon, 04 Feb 2013 06:54:39 GMT

@chnceit wrote:
Thanks for the info and I do hope they will follow in GE's footsteps because GE is coming really popular and known

Oh yes they are! I am not sure if it is the best business sense or not!?! It seems like they might be opening themselves up to losses, but I am sure they must have some risk management model going on. Maybe they are giving higher limits to those who have truly proven themselves and less to the more riskier people. I mean I could go hog wild with all the credit I have! (I am not going to, but just saying!) I just wish GE were better about interest rates. They are definitely geared to the people at the lower end and to those who don't carry balances. I imagine this is part of their risk model! I wouldn't mind doing a study on it one day if I have free time.

I think Comenity is nice for the fact that they don't really do hard pulls often, even for some new accounts. Once they have you as a customer it becomes less of a need for a hard pull as a soft pull can pretty much give the same information coupled with how you have handled your other accounts with them.

I remember in the 90's many gas stations were doing promotions that if you had another gas card or credit card you could get an account with them. While you weren't always approved there were many that went by the fact that if you already had a card, then you must be OK. This was obviuosly more riskier than what Comenity is doing. I think Comenity uses another service which better analyzes you credit. I keep seeing the companies name on my credit report for soft pulls on occassion but I have not ever actually thought about who was doing it, maybe it is Comenity or GE. Actually it is two; Credco and True Credit; both of which say afterward My Credit Health.

Re: Comenity Credit Card List

chnceit — Mon, 04 Feb 2013 07:18:50 GMT

I agree with you on the interest rate, but its norm for store cards to have really high interst rates. I like the financing options for Amazon which is the only GE card I have

Re: Comenity Credit Card List

Creditaddict — Mon, 04 Feb 2013 20:30:59 GMT

They don't tend to be quite like GE with CLI starting at 2-4 months and then now with direct contact for manual review you most likely will not see a West Elm Card go from $1500 to $8,000. The one thing is they have max limits for different stores and I'm not sure if you could get a rep that knows and that could tell you based on the card you have but I know as of about 2 years ago, Express ceiling was $2,760.00

However I have seen $4k+ on Poterry Barn, West Elm, Z Gallerie.

They also seem really slow on the first CLI which people gets fustrated or think it's a waste especially starting at under $200 but then they seem to be VERY good with auto CLI at least on Express, I saw mine go from $150 to $1600 over about a 2 year period and never requested any and also stayed right around the limit during the entire time... I mean that doesn't mean I was paying $25 minimum and they gave me $500 CLI, it was I shopped a lot and made bigger payments but never paid off and always ended month right around or just over limit.

Re: Comenity Credit Card List

raisinitup — Mon, 04 Feb 2013 21:28:29 GMT

I would agree - they're pretty easy to deal with and they gave me a lane bryant card when no one else would touch me. My score was at about 575 back then and it has increased from a $250 limit to $800 in a little over a year. Not that fantastic but when you're untouchable, it's huge. I have their NY & CO, Bealls, Ashley Stewart and LB. All have seen some sort of increase over the past year. I just applied for their HSN Mastercard and got the 7-10 day message. Tried to recon but I can't find a good # to get to the backdoor. I'm hoping they just need to do a little more digging because I keep all of their cards (and my others) in great standing so I'm thinking it shouldn't be an issue. We'll see.......

Re: Comenity Credit Card List

Joteism — Wed, 06 Feb 2013 01:57:59 GMT

After reading this thread, I decided to try the shopping cart trick at Express... *drum rolls* Lo and behold - I got approved for $500!

My first EVER store card!

You guys rock!

Re: Comenity Credit Card List

Anonymous — Fri, 10 May 2013 23:15:22 GMT

This bank is full of boo boo!!!!!! Give me some cards and took them right back due I didn't answer some question that don't concern me !!!!! Never will use or tell nobody about them!!!! All that hits on my credit for nothing!!!!!!!!

Re: Comenity Credit Card List

new_earth — Fri, 10 May 2013 23:22:02 GMT

Took them back? Are you sure they didn't say you were on security freeze until you mail in ID? That happened to me. I took out quite a few within a short time period and they ended up freezing them all until I called and asked what was going on, they asked me security questions and I got a few wrong, so I had to mail in my photo ID, SS card and a utility bill. They are all fine now and the freeze was released....you might want to call and ask if they are just saying you are on a freeze until you mail in ID. I hated it too, but it's really good for US too that they are watching for identity fraud.

Also if you used the shopping cart trick, they are not affecting your inquiries on your reports. they are soft pulls.

Re: Comenity Credit Card List

starry1 — Sat, 11 May 2013 00:25:21 GMT

Which bureau does Comenity pull?

Re: Comenity Credit Card List

new_earth — Sat, 11 May 2013 00:37:12 GMT

experian. try shopping cart trick instead of full application.

Re: Comenity Credit Card List

asphaltcowboy — Sat, 11 May 2013 01:06:59 GMT

@starry1 wrote:
Which bureau does Comenity pull?

I live in Indiana and they pulled EQ on me was also hard pull

Re: Comenity Credit Card List

new_earth — Sat, 11 May 2013 01:14:03 GMT

their visas & mastercards pull EQ too if it's a hard pull. soft pulls on the shopping cart trick is Experian.

Re: Comenity Credit Card List

vagrants — Sat, 11 May 2013 11:51:25 GMT

Mypoints Rewards VISA is soft pull.

Re: Comenity Credit Card List

injustifiiable — Sat, 11 May 2013 22:07:02 GMT

I have five Comenity cards. All of them except Victoria's Secret soft pulled EQ. (VS soft pulled EX)

Re: Comenity Credit Card List

Anonymous — Sun, 12 May 2013 00:50:58 GMT

Just an FYI, they no longer back Value City...that is now a GE backed card and Fashion Bug went out of business.