Floor & Decor NO PG Comenity - myFICO® Forums - 6434391

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I saw someone mention this so of course, I had to do it since no PG.

I received a letter from Comenity after a week or so that they could not verify my EIN (not sure how that's even possible! they are as bad as sync but at least they give you time to verify!!!)

I faxed over a copy of my state issued EIN paper and 2 days later received an Email welcoming me to Floor & Decor and even gave account number so I could create an account... logged in and:

Approved $20k

Message 1 of 10

9 REPLIES 9

That’s terrific! Congratulations on your Floor and Decor approval!! 👏🏼🎉🍾

Message 2 of 10

Thank you for this. I have a floor project, just applied and was approved for $14,500 no pg.

Message 3 of 10

Awesome grats, this soft only to personal in addition to business?

(Ch7 Discharged 12/12) AvgScore 807

Personal-
NFCU Platinum 50k | NFCU Flagship 20k | NFCU More Rewards 10k | NFCU NavChek PLOC 15k | PenFed Power Cash 25k | PenFed Gold 15k | PenFed Pathfinder 10k | PenFed OLOC 3K | GTE Financial CU 15k | VyStar CU Cash Back 25k | VyStar CU PLOC 15k | FNBO Evergreen 25k | FNBO 11.85K | BofA Cash Rewards 10.1k | Capital One Venture 13k | Capital One QS 7k | PNC Cash Rewards 15.5k | Citi Costco 8.5k | US Bank Cash+ 10k | Discover 14.8k | Discover 14.1k | Regions Cash 6k | Truist Enjoy Cash 9k | Truist Future 6.5k | Elan Max Cash 7k | Wells Fargo Reflect 20k | Fifth Third 7k | USAA PrefRew 15k | CFNA Tires Plus MC 8k | GM Rewards 3.5k | TD Bank Cash 3.5k | Amex BCP 3K | Lowes Store 30k | Sleep Number Store 13.5k | Home Depot Store 10k | Amazon Store 10k | Care Credit 15k | Walmart Store 6k | JCrew 25k | Jared 18.6k | HSN 4.1K | King Size 4k | Buckle 3.1k

Business-
Amex BBC 25k | Amex BBP 22k | Amex Business Platinum NPSL 30.4kPoT | Citizens Business Everyday 35k | Sams Club Business MC 25K | US Bank Business Plat 24k | Capital One Spark 2% 22k | Marcus GM Business 12.5k | Capital On Tap 2% 10k | Chase Ink 3k | Divvy 7k | PNC BLOC 50K | Citizens BLOC 50K | (Private) BLOC 75K | WEX Business Access Fuel 30k | Sams Bus Store 25k

Message 4 of 10

@TryItAgain wrote:
Awesome grats, this soft only to personal in addition to business?

I don't believe anything on personal credit.

Message 5 of 10

Applied online got 10k credit line no PG. didn't know comenity did biz cards.

Fico 8 Exp 598 Transunion 598 Equifax 596 (7/18/18)
FICO 8 Exp 609 TransUnion 622 Equifax 617 (8/10/18)
FICO 8 Exp 643 Equifax 641 Transunion 655 (9-10-18)
FICO 8 exp 630 Transunion 646 Equifax 627
Fico 8 Exp 646 Transunion 639 Equifax 640 (11/1/18)
Fico 8 Exp 698 Transunion 716 Equifax 690 (1/8/19)

Message 6 of 10

Congrats on your approval

Message 7 of 10

Just and identiy verification over the phone based on public records, there is no PG for me on this one.

@TryItAgain wrote:
Awesome grats, this soft only to personal in addition to business?

Message 8 of 10

I read everyones experience here and apped maybe a week ago for the Business Pro Premier card asking for $30k limit (hoping for at least 20k). Received an e-mail today with approval notice and acct number but no limit shown. Followed through with online registration and see that it's a $20k starting limit, Excellent!

Thanks guys for the heads up on this awesome NO PG business account, will come in handy on newbuild house this year. I really love the 6 month 0% deferrerd interest as well.

(Ch7 Discharged 12/12) AvgScore 807

Personal-
NFCU Platinum 50k | NFCU Flagship 20k | NFCU More Rewards 10k | NFCU NavChek PLOC 15k | PenFed Power Cash 25k | PenFed Gold 15k | PenFed Pathfinder 10k | PenFed OLOC 3K | GTE Financial CU 15k | VyStar CU Cash Back 25k | VyStar CU PLOC 15k | FNBO Evergreen 25k | FNBO 11.85K | BofA Cash Rewards 10.1k | Capital One Venture 13k | Capital One QS 7k | PNC Cash Rewards 15.5k | Citi Costco 8.5k | US Bank Cash+ 10k | Discover 14.8k | Discover 14.1k | Regions Cash 6k | Truist Enjoy Cash 9k | Truist Future 6.5k | Elan Max Cash 7k | Wells Fargo Reflect 20k | Fifth Third 7k | USAA PrefRew 15k | CFNA Tires Plus MC 8k | GM Rewards 3.5k | TD Bank Cash 3.5k | Amex BCP 3K | Lowes Store 30k | Sleep Number Store 13.5k | Home Depot Store 10k | Amazon Store 10k | Care Credit 15k | Walmart Store 6k | JCrew 25k | Jared 18.6k | HSN 4.1K | King Size 4k | Buckle 3.1k

Business-
Amex BBC 25k | Amex BBP 22k | Amex Business Platinum NPSL 30.4kPoT | Citizens Business Everyday 35k | Sams Club Business MC 25K | US Bank Business Plat 24k | Capital One Spark 2% 22k | Marcus GM Business 12.5k | Capital On Tap 2% 10k | Chase Ink 3k | Divvy 7k | PNC BLOC 50K | Citizens BLOC 50K | (Private) BLOC 75K | WEX Business Access Fuel 30k | Sams Bus Store 25k

Message 9 of 10

Thanks OP!

Applied first with my 2 year old LLC that I have done nothing with in terms of Net 30's, publishing my phone biz phone number, etc, and got denied.

I tried on my 8 year old LLC that I have net 30's on, Amazon net 55, etc, and I got approved for 15k (I asked for 20k).

Message 10 of 10