Question about MVP pop for Visa Comenity

[Ron1]

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@ddemari wrote:
I remeber when u got the preapproval, Ron. I tried it then and it showed MVP credit card. So today when i saw Visa, i got excited.

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Yes, it is over a month ago. Did you accept the offer?  They will give you temporary limit if you accept the pre-approval. They gave me temporary $600 CL. before I got the card. I got the full $6K.

Ron.

[ddemari]

I accepted and it gave me MVP store card with 750 limit although preapproval was for visa
A

[ddemari]

I need to go back and fine tooth comb the application details. If it said mvp credit card i wouldnt have accepted

[Ron1]

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@ddemari wrote:
I accepted and it gave me MVP store card with 750 limit although preapproval was for visa
A

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Sorry to hear!!! Did you capture the screenshot when you accept the offer? I always do for the record. 

Here is the screenshot I took on that day:

Ron.

[Anonymous]

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@ddemari wrote:
I need to go back and fine tooth comb the application details. If it said mvp credit card i wouldnt have accepted

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I got the pop up for the Modell's MVP Visa card  in early July and they did a hard pull with Equifax.  I did get the Visa card though.  The limit was much less until I called in.  Your right that was a bait and switch move.   I know I would have never applied for their standard card....really never heard of them. Have you called them yet?

[ddemari]

My earlier posts show exactly what happened. Here is the screen shoot they gave me. After it, is the approval email and how the comenity website looked. I saw nothing mentioning visa, so i called and closed the card. I feel super unsatisified but just because they preapproved me for Visa, does it mean anything to them if I called to complain? 

[Ron1]

WoW!!!! I never saw it before. Sorry to hear!!! They  changed it on you.  I don't think anyone will listen if you complain. I think they are as bad as SYNCB. I heard they can override once you got denied by the computer. Most people like them because of SCT and big credit lines.

Ron.

[ddemari]

Thanks, I think its total BS. Especially if you offer two cards. That preapproval came from today, so i wasnt sitting on it for a while. Don't offer me a visa and then give me a store card when you could of just offered me a visa. If I can find an email of physical address for comenity eo office, i just want to write them a letter letting them know I think its garbage. 

[Anonymous]

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@ddemari wrote:

Total bait and switch. I'm so freaking mad at myself (to an extent lol). 

I cant garden! for the life of me. Closed the account. 

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I know the feeling about not being able to garden.  I've opened 4 accounts since I started gardening a couple of weeks ago, lol!  But that is BULL, what Comenity did to you.  There has to be a recourse for that type of action.  It clearly stated that you were pre approved for the Visa card and if they were going to cross sell the credit card, they should stated that before you apply.  When you called to cancel did they give an explanation or were they just screen readers?  

[ddemari]

I have never canceled a comenity card before today. I expected to talk with someone, but the automated line did it. They gave me 3 options. 1 of them was applying for a mortgage, the other two I forgot and hit other. They didnt ask for any details. Just ended the call with saying your account will appear as closed by consumer on your Eq Tu and Ex credit reports.