BJs MasterCard...Comenity

[Anonymous]

Reply from Comenity today, "You must first apply for the BJs MC(which I already did) and wait 7-10 days for the letter" and "FRN & BJs are 2 seperate accounts"

Methinks this is headed to getting rid of Comenity, FRN & Sportsmans just don't offer anything I'm interested in.

[Anonymous]

Just got the denial letter, "too many INQs" with their own brand of Eq as 894.

Yep, Comenity will be next on the chopping block, despite the decent CLs, they offer nothing that interests me

[Anonymous]

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@Anonymous wrote:

Just got the denial letter, "too many INQs" with their own brand of Eq as 894.

Yep, Comenity will be next on the chopping block, despite the decent CLs, they offer nothing that interests me

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Wow that is shocking to deny because of too many inquiries, when you are an established customer, with a great score.  Do they have a recon line, someone needs to look at your app again,  I'm new to the Comenity market, with  9 new accounts in the last month.  Sorry about your decline, from  your post BJ was a card you really would have put to good use,

[Anonymous]

In all honesty, I have no clue what version that Eq score represent. I had it pegged about 700+/-

[taxi818]

It's not a version of eq. It's there internal scoring system based off your eq report. Remember the report stays the same no matter what scoring model they use.

[Anonymous]

I have about 6 or 7 of their department store cards (comenity bank) as well as other credit cards. My scores are in the mid 600's and I have applied in 2014, 15 and today and I keep getting denied. I have an impecable payment record and zero collection accounts. The other two years my score was lower, but this year I was sure they would approve me considering it was much higher.... I do groceries there every week and had to renew my membership today. I was hoping to get approved so that I could start using the perks!! I will wait and see what the letter says. Now, because I applied at the counter and they only asked for the last 4 of my social and income will that affect my score to much? Will it be a HP or SP?

[Anonymous]

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@Anonymous wrote:
I have about 6 or 7 of their department store cards (comenity bank) as well as other credit cards. My scores are in the mid 600's and I have applied in 2014, 15 and today and I keep getting denied. I have an impecable payment record and zero collection accounts. The other two years my score was lower, but this year I was sure they would approve me considering it was much higher.... I do groceries there every week and had to renew my membership today. I was hoping to get approved so that I could start using the perks!! I will wait and see what the letter says. Now, because I applied at the counter and they only asked for the last 4 of my social and income will that affect my score to much? Will it be a HP or SP?

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If they asked for just the last 4 then that's a SP, full social = HP

[thummel]

Just because they ask for only the last 4 of a social doesn't mean it's a SP. it could go either way as that used to be the way comenity was back a while ago with there vs/mc but not anymore. Most of the time expect a HP on EQ.

[Anonymous]

Comenity loves me for store cards but will not approve me for a MC

[Meanmchine]

BJs MC obtainable by SCT ? If so, approx EQ score needed.  Thanks   Oh, good luck OP