What the hey Comentiy?

[songsofexperience]

I receieved a pre-approval offer from Eddie Bauer, which I sat on for about a month (but I had 90 days to apply/accept) and decided to apply today because I have a couple of trips coming up and have several items I want to purchase from them. I really only want the card because it gives me an additional 15% off my first purchase and also free returns, which is a pretty big deal to me since I live in the arse end of nowhere. 

Anyway . . . I got the freaking 7-10 day notice, which is ridiculous. Not 2 months ago I was approved for $7k with USAA. Both Cap 1 and Citi reecently increased my CLs several thousand each with no request from me. I have $21,000 available and a utilization that hovers between 1 and 5% because I use the cards to rack up points then pay off at the end of each cycle. My score is good, my DTI is excellent. I don't have any store cards. I just don't understand the wait. From what I understand Comenity doesn't exactly have the highest bar in the industry. Now I'm pissed because that's a hard pull and the stuff I wanted to buy is in my cart and even if they eventually approve me, it'll be too late to snatch up the sale and clearance items I wanted. 

From what I've read on here I'll either get a rejection or be asked for verification. Does anyone have a recon number I can call to speed the process up. I just don't understand why they feel they can be pickier than the top-tier issuers.

[Anonymous]

It is probably verification.. You are better off calling and finding out what the deal is.

[B335is]

Comenity almost always requires the letter in hand before any of their CSRs will lift a finger to see if it's verification or denial. I grew very tired of calling and pushing to get anybody to look into my apps further. The backdoor thread has 800-303-1368 as the EO contact, but I think they're only open M-F. Good luck.

[pizza1]

the 7-10 day message is a 50/50 chance of denial vs. verification. You can't call about the app....period. Its wasted time, and they will tell you to wait for the letter.

If its verification, you HAVE to have the letter, because it has a code # on it you have to give to the credit rep. Sorry..its the waiting game.

[FinStar]

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@pizza1 wrote:
the 7-10 day message is a 50/50 chance of denial vs. verification. You can't call about the app....period. Its wasted time, and they will tell you to wait for the letter.

If its verification, you HAVE to have the letter, because it has a code # on it you have to give to the credit rep. Sorry..its the waiting game.

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Yup, Pizza is correct.

OP, it's doubtful you can speed things up with Comenity until you have the information they need (i.e. letter).  Your attempts would be as futile as throwing a pebble onto a battleship.  That's just how Comenity rolls.