Can't App for AKC Visa, System Issues!

[ddemari]

Sorry for your troubles! I dont think that the previous apps that timed out or errored out to you will process. I am also pretty sure that comenity will instantly approve you on the phone if the app sees so. They may not be able to instantly approve you if there is verification issue. 

I would just roll the dice and apply over the phone, but thats just me. I totally understand your logic in applying once the online application is back. 

[Dalmus]

The AKC online app has been down for at least a month.  I was going to hit that one in early December, but got the same message.  Tried multiple browsers with no luck.

[Anonymous]

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@ddemari wrote:

Sorry for your troubles! I dont think that the previous apps that timed out or errored out to you will process. I am also pretty sure that comenity will instantly approve you on the phone if the app sees so. They may not be able to instantly approve you if there is verification issue. 

I would just roll the dice and apply over the phone, but thats just me. I totally understand your logic in applying once the online application is back. 

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ddemari you have tremendous history with Comenity and if you really think that applying over the phone is advantageous, I think I will give them a call.  I really do want the AKC Visa, the rewards will be very beneficial.  Thanks and I will let you know.

[ddemari]

your ex is very good, i double checked again and comenity capital pulled EX for sure for this card. My app wasnt instant but it did lead to verification and approval. I understand not wanting to apply over the phone, as I rather just type in the info and see what happens! But, this being comenity, who knows when that app will resurface! 

I dont want to push you, but you want the card and your score is very good. I think you will definitely get it! Let me know!!! call em up! 

[Anonymous]

I just hung up and The CSR told at the beginning of the application process that it would not be an instant decision.  Because I wanted the card, I went on and apped for it.  My Experian and TU scores are really good, Equifax is frozen,  so I will wait and see. Got A few recent inquires totaling now Ex 19 and TU 9.  So now I wait.  It's ok either way, I really wanted the card so I'm willing to take the HP.  Thanks.  I'll check and see who they pulled I monitor thorough EX and at least credit Karma will let me know if a TU inquiry hits.  I will keep you posted.

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@ddemari wrote:

your ex is very good, i double checked again and comenity capital pulled EX for sure for this card. My app wasnt instant but it did lead to verification and approval. I understand not wanting to apply over the phone, as I rather just type in the info and see what happens! But, this being comenity, who knows when that app will resurface! 

I dont want to push you, but you want the card and your score is very good. I think you will definitely get it! Let me know!!! call em up! 

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[ddemari]

Id go any try to set up an account online now or later and see if the info populates for u! I know I have heard from some people that Comenity might pull Tu, but never in my experience has TU and Comenity graced each other. 

I had way more inquiries on EX than you and probably a lower score too. I think you are in!!! Keep my posted! 

[Anonymous]

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@ddemari wrote:

roseyk did you call comenity today and ask if you could apply for the akc visa over the phone? 

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I just updated you on another thread, so many floating around, lol.  The CSR indicated that the app would NOT be a instant decision and I went on an apped.  I really would like to have that card.  I have a little cute Cockapoo and the benefits of the card would be useful.  My scores are good enough, I do have several new accounts maybe 5 in the last few months, EQ is my lowest score but it's frozen.  I don't mind the HP, cause I'm apping for a card that I want.  We will see, I will keep you posted.

[Anonymous]

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@ddemari wrote:

roseyk did you call comenity today and ask if you could apply for the akc visa over the phone? 

I just updated you on another thread, so many floating around, lol.  The CSR indicated that the app would NOT be a instant decision and I went on an apped.  I really would like to have that card.  I have a little cute Cockapoo and the benefits of the card would be useful.  My scores are good enough, I do have several new accounts maybe 5 in the last few months, EQ is my lowest score but it's frozen.  I don't mind the HP, cause I'm apping for a card that I want.  We will see, I will keep you posted.

[CreditCuriosity]

Good luck.. Personally I wouldn't apply for a comenity card with Experian or Eq either being on ice as they usually HP one and SP the other and if one is on ice this can cause all kinds of issues.  Hopefully this doesn't happen to you.  Just a heads up for future applications with them.

[Anonymous]

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@ddemari wrote:

Id go any try to set up an account online now or later and see if the info populates for u! I know I have heard from some people that Comenity might pull Tu, but never in my experience has TU and Comenity graced each other. 

I had way more inquiries on EX than you and probably a lower score too. I think you are in!!! Keep my posted! 

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ddemari, Thanks for the words of encouragement.  If they have a problem with Eq, I can easily unfreeze but if they want to do a SP, they can.  I will let you know the outcome.  Brilliant minds think alike, lol.  I went into set up, to see if I could, and I could not.  Not really worried about it, I'd really would like that card, and I think I have a pretty good chance, I just don't like to hear 7- 10 day timeframe, ugh!