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How to apply for comenity visa cards w/o triggering comenity?

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FicoWarrior1
New Member

How to apply for comenity visa cards w/o triggering comenity?

Recently, I applied to a comenity TRV CC. My application was accepted and got a 1500 SL. I was happy at that moment but now I regret applying for that card because I came across two comenity cc's that are better for my expenses. These two comenity cards are WS visa and SGV cc. Generally, I'd just apply for those two cards right away, but Comenity is known for closing cc accounts when they are opened too soon. I wish I'd known about those two cards before, so I'd not be having a headache right now about how to obtain those two cards without fear of comenity closing all my accounts.

How can I obtain the two comenity Visa cards I want without triggering comenity into closing all my future accounts? And is it okay if I have 3 comenity Visa accounts or should I close my TRV account as soon as I get the other two comenity Visa cards? I'm all ears to all your suggestions, ideas, or thoughts.

Ex 700
EQ 710
TU 715
Inquiries in the last 24 months
3 EQ, 4 Ex, 2 TU (2 Inq erasing in July and 2 more in November)
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3 REPLIES 3
AverageJoesCredit
Legendary Contributor

Re: How to apply for comenity visa cards w/o triggering comenity?

Good question. Good thing is you have low inqs. I was thinking of go8ng for one for their possible 0/0 bt offers but this is Comenity. Going for 1 might not be bad and then going 6 months with no apps. Going for 2 might be 2 too many. They use silly excuses like inquiries to close accounts and they might just consider 2 alot lol. If you must go for it, pick one and get other later.
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Blackswizz750
Established Contributor

Re: How to apply for comenity visa cards w/o triggering comenity?

Good morning,
I would app six months apart with same lender. In thr meantime think about if you really need to have these cards. There are also much better cards to have that will grow over time and get tou cash back.
Message 3 of 4
FinStar
Moderator Emeritus

Re: How to apply for comenity visa cards w/o triggering comenity?

OP, as echoed above, the best suggestion is to space things out. IMO, >8-12 months for Comenity V/MC/D.

Unfortunately, there's no fool-proof method to avoid algorithm detection, but if done strategically you stand a better chance of not being the culprit of AA (no guarantees), but has worked for some folks when acquiring Comenity majors.

So, if you are really, really deadset on Williams Sonoma or Sportsman's Guide, pick one (not both) and decide which would be useful to you. 8 months (or later preferably) from your recent TVD approval, you can give it a shot. But, by the same token, you'd have to abstain from any apps or new accounts during this period.

Or, consider a different non-Comenity product that can provide more meaningful rewards without resorting to any alignment of the planets or sacrificial circumstances just to appease Comenity 😁
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