COMENITY BANK

[calyx]

Can confirm the EX HP for a major this week along with an EQ softpull.  
Because I'd never heard of Comenity using TU, I didn't bother to unfreeze that one, so I wouldn't know if they decided to SP or not.

[JaseT]

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@Anonymous wrote:

These are all from the last few months. I applied for Wayfair and Jared but those SP are from pre-approval offers that popped while I was checking out. I don't want to say the shopping cart trick is alive since they already had my credit reports but they were really out there trying to tempt me.

Wayfair -  HP EQ

Jared HP EX

Ikea - SP EX

Ann Taylor - SP EX

JCrew SP EQ

Venus Sp EQ

Williams Sonoma  SP EQ

Express SP EQ

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Be careful with obtaining so many Comenity accounts in a short time. They may bring the hammer down! 

[GApeachy]

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@JaseT wrote:Be careful with obtaining so many Comenity accounts in a short time. They may bring the hammer down! 

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+10

[Anonymous]

Yes, all the soft pulls were from the SCT. I applied with Jared since they were running a deal of getting 25% off by using the card resulting in a hp.  Wayfair I applied instead of waiting for the sct to work. WS did get me the Visa card via the SCT. 

@JaceT - Thanks for the concern. I have danced with Comenity before and its predecessor World something or the other and know their game. If they shut me down its not a big concern since I'm not in rebuilding. 

[Anonymous]

WS for me was SP for the store card

VS was SP

Sephora I cold app (thought it was sct) and they SP and then HP EQ

Also, what the pre-approved amount via SCT was not the same as I got. It is not set in stone IMO. VS said pre-approved for $250 and they actually gave me 1k. WS was pre-approved $500 and they gave me $250 (not even enough to cover the item I was *actually* buying - annoying).

I have awful credit as you can see in the work of rebuilding after never caring about credit - cash only kinda gal. I still got approved via SCT. Cold app, well,

I know better - no way.