I honestly think that there was a great possibility that you would've been approved since it seemed like a verification instance based on the information you provided from the letter. But, maybe a blessing? Given that it's also probable that they would've closed the CC after being approved based on the recent 'activities' on your CRs. So, perhaps the best thing is that you dodged a bullet 😁
While I'm sure there's plenty of dislike for a variety of lenders, I haven't had any issues with Comenity in general. That's not to say they're perfect in their own regard or that improvements in the way they conduct business aren't warranted, far from it.
Agreed @FinStar. Credit can be frustrating as Fico but many times if we take a step back and look at overall picture there are reasons for it. Sometimes we get caught up in it, only human lol, but i guess its good i can actually see it so at least i have a chance to " Curb my enthusiasm " lol. Ive rebuilt these last 4 years but in many ways im just now begining to understand what i need or want for my profile.
Closing my Zales card, yes THE black card, is a step in the right direction. Now if only i can m as ke through the crosswalk😏