topic Re: Total Rewards Visa- Which Credit Bureau? in Credit Cards

Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:06:34 GMT

I've been interested in this card for months now but I've been afraid to pull the trigger. I really only want to apply for a card that pulls EQ only as i have like 2 INQ on that report. I also have 4 other accounts with Comenity including PayPal Credit. For those that have this card, can you list which bureau they pulled, your score and stats at the time of approval, limit and location? Thank you all in advance!

Re: Total Rewards Visa- Which Credit Bureau?

CreditCuriosity — Fri, 24 Oct 2014 22:08:33 GMT

I believe EQ since they are comm. I don't have one, others will chime in that have one.

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:11:29 GMT

correction, they pull equifax. I keep mix up experian and equifax

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:09:59 GMT

Comenity pulls both EX and EQ but I've heard this card is EQ exclusively.

Re: Total Rewards Visa- Which Credit Bureau?

B335is — Fri, 24 Oct 2014 22:10:06 GMT

EQ. 740ish Fico at the time no negs listed. I think it was approved for $4k and has grown to $12.5k today. Its about 1 year old.

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:12:29 GMT

Awesome info... thanks! Do you know how old your profile was at that time?

Re: Total Rewards Visa- Which Credit Bureau?

B335is — Fri, 24 Oct 2014 22:14:50 GMT

I think my AAoA was around 3 years.

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:19:49 GMT

@Anonymous wrote:
I've been interested in this card for months now but I've been afraid to pull the trigger. I really only want to apply for a card that pulls EQ only as i have like 2 INQ on that report. I also have 4 other accounts with Comenity including PayPal Credit. For those that have this card, can you list which bureau they pulled, your score and stats at the time of approval, limit and location? Thank you all in advance!

They pulled EQ for me, I am in Florida. They gave me $17.5k , I am not sure what type of score system they used.

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:21:20 GMT

Awesome. .. thanks!

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:23:38 GMT

@Anonymous wrote:

I am not sure what type of score system they used.

FICO probably.

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:27:26 GMT

wait, didn't some people posted on forum that you can use shopping cart trick on this card?

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:30:13 GMT

They did but I rarely get any pop ups on any site as I'm on mobile 95% percent of the time. I did have the pop ups for One Stop Plus and Avenue back in June while I was browsing on my PC, which usually I'm never on.

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:30:34 GMT

@Anonymous wrote:
wait, didn't some people posted on forum that you can use shopping cart trick on this card?

It's rumored.

I've yet to see it or it's link.

Re: Total Rewards Visa- Which Credit Bureau?

coldnmn — Fri, 24 Oct 2014 22:31:15 GMT

I'm not sure if it's up to date but here is a list.

http://ficoforums.myfico.com/t5/Credit-Cards/List-Of-Shopping-Cart-Trick-Credit-Cards/m-p/2325199/highlight/true#M655206

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:41:00 GMT

I received an email last week inviting me to apply for this card but again, I'm too scared. It did state exclusive offer but no indication it was a pre approval I like to gather stats before I app but of course everyone's experience is different.

Re: Total Rewards Visa- Which Credit Bureau?

cflowers0115 — Fri, 24 Oct 2014 22:43:24 GMT

The pulled EQ for me exclusively, it was 691 at time of the app. I have a lot of inquiries... AAoA around 1.3 years (maybe a bit higher back then). Approved instantly for $5,500 instantly hit the CLI button (soft pulls always) and was upped to $6,300. This was like 3-4 months ago.

Re: Total Rewards Visa- Which Credit Bureau?

Anonymous — Fri, 24 Oct 2014 22:47:36 GMT

Do you mind if I ask your location?

Re: Total Rewards Visa- Which Credit Bureau?

pipeguy — Fri, 24 Oct 2014 22:51:51 GMT

@cflowers0115 wrote:
The pulled EQ for me exclusively, it was 691 at time of the app. I have a lot of inquiries... AAoA around 1.3 years (maybe a bit higher back then). Approved instantly for $5,500 instantly hit the CLI button (soft pulls always) and was upped to $6,300. This was like 3-4 months ago.

My experience was similar, took me 4 shots to get this card (Comenity hates me GE/Sync loves me) and each time they pulled Equifax. I was approved in July with 739, NO derogs, lots of inquiries, lots of cards, AAoA 5 years plus. Instant approval for $5000 > luv button to $5800 (only worked once) and I'm about to hit the butto again on my 3rd statement in the next couple of days. I generally PIF on this card, but I'm going to let $400 report this month.

Re: Total Rewards Visa- Which Credit Bureau?

B335is — Fri, 24 Oct 2014 22:54:56 GMT

Mine was shopping cart. After i entered my info into a Total Rewards acct it popped up when i logged in about 1 week later. Unless I'm the only exception its not a rumor.

Re: Total Rewards Visa- Which Credit Bureau?

Grabiela — Fri, 24 Oct 2014 23:12:08 GMT

I was approved for this card with a start limit 3500.00 and they pull Equifax in texas.