Comenity Bank Application Rules

AyaMai · ‎11-12-2022

I applied for AAA Travel Advantage Visa on November 2nd (My first Card through them) & was approved, the question is when the best time to apply for a second credit card Las Vegas Raiders Extra Points Visa.

Jeffster1 · ‎11-12-2022

@AyaMai I was instantly approved for the Bread Financial AMEX on 9/21/22, and instantly approved for the AAA Visa on 10/9/22. CLs were 7K and 5K, respectively.

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K

Anonymalous · ‎11-14-2022

@AyaMai wrote:
I applied for AAA Travel Advantage Visa on November 2nd (My first Card through them) & was approved, the question is when the best time to apply for a second credit card Las Vegas Raiders Extra Points Visa.

If you don't mind a question, are you an AAA member? The old AAA cards apparently allowed non-members, but I haven't seen confirmation for the new cards.

CYBERSAM · ‎11-14-2022

@Anonymalous wrote:
@AyaMai wrote:
I applied for AAA Travel Advantage Visa on November 2nd (My first Card through them) & was approved, the question is when the best time to apply for a second credit card Las Vegas Raiders Extra Points Visa.
If you don't mind a question, are you an AAA member? The old AAA cards apparently allowed non-members, but I haven't seen confirmation for the new cards.

@Anonymalous You don't need to be a AAA member to apply for these cards as of now!

AyaMai · ‎11-14-2022

Yes I am.

FinStar · ‎11-16-2022

@AyaMai wrote:
I applied for AAA Travel Advantage Visa on November 2nd (My first Card through them) & was approved, the question is when the best time to apply for a second credit card Las Vegas Raiders Extra Points Visa.

I would personally space them out. The longer the better.

While some members have reported Comenity shutdowns in the past (not as prevalent as SYNCB), I would exercise caution with multiple V/MC CCs with them in a short period of time. Some folks could fly below the radar, but others may stick out like a sore thumb.