topic Re: West Elm and Comenity in general in Credit Cards

West Elm and Comenity in general

youngandcreditwrthy — Mon, 07 Jul 2014 15:17:36 GMT

So...

I have a really long story, but I will make it brief.

in April, I wound up wasting a HP for a "pre approved" Total Rewards Visa. I never received any contact from Comenity. Figured I'd add a new high limit card to my portfolio and maybe cut the Smile Gen one. I even called the backdoor number, and they told me it was because the addresses didn't match. I gave them the correct one on the app. The lady treated me like an idiot and made it seem like it was my fault.... GREAT.... I had 0 inquiries on EQ, and because of that, I would up with an inquiry with no new credit; GREAT.She said they didnt even pull my credit, which was a LIE. Keep in mind, I've had an Abercrombie and Fitch card for almost 8 years with about a $3k cl(closed last fall) and currently have open a $3k Express,$7k Smile Gen card , and a $4500 mypoints Visa-all 1 to 7 years old with no default EVER.

So I let that one go.

well, I impulsively applied for West Elm the other day. I genuinely may need to purchase furniture for a new apartment at a new Community I may be managing.

I applied Mid June. Got the 7-10 day letter. Havent' heard anything until this point. Ive tried calling CUstomer Care, I have tried calling the backdoor number to no avail. Customer service never knows anything. THey can't even look up the daggum app. Comenity sure does have some lazy people working for them. I've noticed their level of "trying" all depends on the person. Usually, if I get a like minded younger male, they will go out of their way. But some of those dumb young females really annoy me, and they are SO condescending. UGH bet their mommies still pay their rent. hah. What a joke.

Comentiy is really starting to pmtfo. What do I do???? I've wasted two iinquiries with them, and I never hear anything - no letter, no nothing- even though I have a substantial existing relationship. It's clear that all of my info is correct. ALl of my accounts have the same addy on them!!!

Oh AND THE KICKER.. even though I applied over two weeks ago, they JUST pulled my EQ on July 2nd. What kind of show are they running???

anyone have any advice? Obviously, I have other cards that can handle a couple thousand in furniture, or I could just pay cash. I like to use my cred though. My goal was to be able to open West Elm and close that $7k Smile Generation card that will never get used again heh.

Re: West Elm and Comenity in general

Anonymous — Mon, 07 Jul 2014 15:27:49 GMT

Lot's of companies will stop the process if the addresses don't match. If you know that something like this might be a problem or you moved sometime in the last year, you might want to complete an application rather than rely on "pre-approvals".

Credit card fraud and identity theft is rampant... You can't blame the company for following steps to protect their interests and prevent identity theft of individuals.

@youngandcreditwrthy wrote:
So...

I have a really long story, but I will make it brief.

in April, I wound up wasting a HP for a "pre approved" Total Rewards Visa. I never received any contact from Comenity. Figured I'd add a new high limit card to my portfolio and maybe cut the Smile Gen one. I even called the backdoor number, and they told me it was because the addresses didn't match. I gave them the correct one on the app. The lady treated me like an idiot and made it seem like it was my fault.... GREAT.... I had 0 inquiries on EQ, and because of that, I would up with an inquiry with no new credit; GREAT.She said they didnt even pull my credit, which was a LIE. Keep in mind, I've had an Abercrombie and Fitch card for almost 8 years with about a $3k cl(closed last fall) and currently have open a $3k Express,$7k Smile Gen card , and a $4500 mypoints Visa-all 1 to 7 years old with no default EVER.

So I let that one go.

well, I impulsively applied for West Elm the other day. I genuinely may need to purchase furniture for a new apartment at a new Community I may be managing.

I applied Mid June. Got the 7-10 day letter. Havent' heard anything until this point. Ive tried calling CUstomer Care, I have tried calling the backdoor number to no avail. Customer service never knows anything. THey can't even look up the daggum app. Comenity sure does have some lazy people working for them. I've noticed their level of "trying" all depends on the person. Usually, if I get a like minded younger male, they will go out of their way. But some of those dumb young females really annoy me, and they are SO condescending. UGH bet their mommies still pay their rent. hah. What a joke.

Comentiy is really starting to pmtfo. What do I do???? I've wasted two iinquiries with them, and I never hear anything - no letter, no nothing- even though I have a substantial existing relationship. It's clear that all of my info is correct. ALl of my accounts have the same addy on them!!!

Oh AND THE KICKER.. even though I applied over two weeks ago, they JUST pulled my EQ on July 2nd. What kind of show are they running???

anyone have any advice? Obviously, I have other cards that can handle a couple thousand in furniture, or I could just pay cash. I like to use my cred though. My goal was to be able to open West Elm and close that $7k Smile Generation card that will never get used again heh.

Re: West Elm and Comenity in general

youngandcreditwrthy — Mon, 07 Jul 2014 15:44:06 GMT

Well I got ahold of someone who wasnt a complete idiot.

Got $4k at West Elm. Will do online cli once received!!!

Mostly thanking credit addict for Backdoor num.

Re: West Elm and Comenity in general

Creditaddict — Mon, 07 Jul 2014 15:46:33 GMT

@youngandcreditwrthy wrote:
Well I got ahold of someone who wasnt a complete idiot.

Got $4k at West Elm. Will do online cli once received!!!

Mostly thanking credit addict for Backdoor num.

you can go online and create the account for West Elm now without the card and try the CLI

Re: West Elm and Comenity in general

Anonymous — Mon, 07 Jul 2014 15:48:20 GMT

Glad it worked itself out. Either you probably got a n00B rep or you got someone who just didn't care. But that's at anywhere you go

@youngandcreditwrthy wrote:
Well I got ahold of someone who wasnt a complete idiot.

Got $4k at West Elm. Will do online cli once received!!!

Mostly thanking credit addict for Backdoor num.

Re: West Elm and Comenity in general

youngandcreditwrthy — Mon, 07 Jul 2014 16:06:55 GMT

I always get crappy reps at Comentiy. Good thing I dont owe them a dime.

I could have complained that the $4k wasn't more like $10k, but I let it go.

i still plan to battle Comentiy and the CRAs until they REMOVE that daggum inq from March/April for the Total Rewards Visa they say I never applied for,

losers!

Thanks Credit addict! will do !

Re: West Elm and Comenity in general

youngandcreditwrthy — Mon, 07 Jul 2014 16:12:17 GMT

hah. It said I wasn't eligible for an increase. oh well. fuhget them.

Re: West Elm and Comenity in general

Creditaddict — Mon, 07 Jul 2014 16:13:29 GMT

@youngandcreditwrthy wrote:
hah. It said I wasn't eligible for an increase. oh well. fuhget them.

I think they caught on and fixed the system!

Re: West Elm and Comenity in general

pipeguy — Mon, 07 Jul 2014 20:27:19 GMT

@youngandcreditwrthy wrote:
I always get crappy reps at Comentiy. Good thing I dont owe them a dime.

I could have complained that the $4k wasn't more like $10k, but I let it go.

i still plan to battle Comentiy and the CRAs until they REMOVE that daggum inq from March/April for the Total Rewards Visa they say I never applied for,

losers!
Thanks Credit addict! will do !

I've closed all my cards with Comenity and refuse to open ANY card they issue - who needs the grief for a high APR card with no service on the rare chance I might need it.

Re: West Elm and Comenity in general

Ron1 — Mon, 07 Jul 2014 20:30:38 GMT

Congrats!

Ron.

Re: West Elm and Comenity in general

youngandcreditwrthy — Mon, 07 Jul 2014 21:48:21 GMT

The only reason I hesitate to close my Comentiy cards is because they are some of my older ones, even if not that great reward wise. and they all have zero balances which keeps my report pristine and helps if I need to carry a balance on one of my prime cards.

That Abercrombie and Fitch card was opened in 2006!!! and the Express in 2007!!

Im always late to the party with free for all clis and the like creditaddict!! Everyone ruins it before I get a chance! lol

Thanks Ron! I bet you have a West Elm card! lol

Re: West Elm and Comenity in general

Creditaddict — Mon, 07 Jul 2014 21:52:43 GMT

@youngandcreditwrthy wrote:
The only reason I hesitate to close my Comentiy cards is because they are some of my older ones, even if not that great reward wise. and they all have zero balances which keeps my report pristine and helps if I need to carry a balance on one of my prime cards.

That Abercrombie and Fitch card was opened in 2006!!! and the Express in 2007!!

Im always late to the party with free for all clis and the like creditaddict!! Everyone ruins it before I get a chance! lol

Thanks Ron! I bet you have a West Elm card! lol

I don't think you were late to that party... you been getting CLI on your comenity cards for long time!

I don't care how terrible the service is... once I get the cards I "should" need limited interaction with customer service... they back A LOT of cards and some that I VERY much like and have a purpose for so to me the service is just a hurdle and as far as interest rate... I don't even know why it would be a discussion... they are store cards, they are never going to be under 20% unless dealing with like Nordstrom or something... you either get the 0% offers or you PIF hopefully.... now if we are talking about Virgin America then yes I have a complaint about that interest rate being 26.99% on an $8500 Signature card but it's okay, we PIF that card too!

Re: West Elm and Comenity in general

youngandcreditwrthy — Mon, 07 Jul 2014 22:00:05 GMT

Haha okay, you are right about that. Every time I get upset about not getting any clis, I realize I already have a ton haha far higher than average.

Yeah, I used the Smile Generation to get 12 mos 0% on my wisdom teeth when I was 21 iirc. That is true too--- in all the years, it was only recently that they annoyed me. I've been getting clis like clockwork for years, usually just pay in full never call or anything. I learned early on to ask for clis haha.

Believe it or not though, My Abercrombie and Fitch credit card was at 12% until I think 2009 right before the card act hit then it went to 24.99% (Who should I thank for this?)

I used to call every 6 months and get a couple percent knocked off. When I was 18, of course I maxxed out my little$ 550 cl AF card at 12% LOLOLOLLLL