Comenity (Bread) AAA Visa Signature Pre-Approval

[Nyrell]

So, I'm an AAA member.  I have been deluged in mail and email that I am "Pre Approved" for an AAA Signature Visa Credit Card.  I read and re-read all the fine print at least 3 times but see no asterisks or anything that says "pre-approved, but if....blah blah blah".  

I did notice they don't have a firm interest rate.  It says it's either this or it's that. 

Searched online and found the minimum starter CL for this card is $5,000.00.  Supposedly.  

The thing is I went BK on 2 Comenity cards about 15-months ago, but from what I read online, Comenity can be forgiving. IDK.

Wondering if anyone has any insight or experience with Comenity/Bread AAA Visa.   Thanks!

[SouthJamaica]

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@Nyrell wrote:

So, I'm an AAA member.  I have been deluged in mail and email that I am "Pre Approved" for an AAA Signature Visa Credit Card.  I read and re-read all the fine print at least 3 times but see no asterisks or anything that says "pre-approved, but if....blah blah blah".  

I did notice they don't have a firm interest rate.  It says it's either this or it's that. 

Searched online and found the minimum starter CL for this card is $5,000.00.  Supposedly.  

The thing is I went BK on 2 Comenity cards about 15-months ago, but from what I read online, Comenity can be forgiving. IDK.

Wondering if anyone has any insight or experience with Comenity/Bread AAA Visa.   Thanks!

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I have the Comenity AAA Travel Advantage Visa.  I think it's a great card.

I'm not knowledgeable about their underwriting or about their attitude towards past bankruptcy. I can only say that when I got approved my scores were at their lowest ebb in many years, and my utilization was at its highest point ever.

[Tcal]

It's profile dependent as always,  but I did squeak in with a $1k starting line right when I started taking my credit seriously (EX: ~630ish) if that helps. 

At the time there were 11 erroneous 60+ day delinquencies that were later removed

[MileHigh96]

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@Nyrell wrote:

So, I'm an AAA member.  I have been deluged in mail and email that I am "Pre Approved" for an AAA Signature Visa Credit Card.  I read and re-read all the fine print at least 3 times but see no asterisks or anything that says "pre-approved, but if....blah blah blah".  

I did notice they don't have a firm interest rate.  It says it's either this or it's that. 

Searched online and found the minimum starter CL for this card is $5,000.00.  Supposedly.  

The thing is I went BK on 2 Comenity cards about 15-months ago, but from what I read online, Comenity can be forgiving. IDK.

Wondering if anyone has any insight or experience with Comenity/Bread AAA Visa.   Thanks!

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I don't have their Comenity/Bread AAA Visa, but I do have the Bread Cash Back AmEx and thier Petco Mastercard that I both got within the last 6 weeks.  I had a couple of Comenity cards that got burned in my BK7 back in July of '21 and when I cold app'ed for the AmEx I was approved with a $4500 limit, which I was both surprised and happy about because I really wanted that card.  So I got both of these cards right around 2 years post discharge, so they were BK friendly for me.  But of course as always, YMMV.

[Jeffster1]

I was approved for the Comenity AAA Signature Visa about 21 months post-DC. I was approved for 5K instantly, and this came  just a COUPLE days after a 7K instant approval for the Bread Cashback Amex. I had never had a Comenity card before. My scores were all just over 700. 

[Janneman]

Do you have to be a AAA member to apply for this card??

[Nyrell]

Yes, you do!

[Nyrell]

Thanks!

[Tcal]

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@Janneman wrote:

Do you have to be a AAA member to apply for this card??

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You do not need to be a member

[Nyrell]

The link Comenity sent takes me to a page which asks for my AAA Membership # and states it's required.  This is why I said membership is required.