I applied for this card and was denied...they double pulled me. EQ and EX...I was not happy with that at all. My scores are in my signature and all of my baddies are from 2009. They used some sort of strange internal scoring system according to my denial letter and they had me scored low...about 25 points less than my actual EQ and almost 60 points less than my actual EX....
I did have high (?) inquiries under 12months old... EQ =12 and EX =13
I also had some new accounts from February...
I would have loved the card as I do enjoy shopping there...but after the double pull and denial I am gunshy to try again in the future. I have three other Comenity accounts, all flawless payment history and that was not enough to sway them either.
Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
My membership needs to be renewed 07/31/2015. hoping I can get the CC by then!
@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?
Its going to be HP!
They are looking for high 600s normally, but as of beginning of this year most CC companies are very inq sensitive.
wow this is an old post! back then I didn't even have BJ's MC