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A few (confusing) Comenity approvals!

ohreally7654
Established Contributor

A few (confusing) Comenity approvals!

Hello MyFico community!

 

Oh how I wish someone could explain Comenity's lending/underwriting policies!  I do understand that every store has different criteria, I really do--I apped over the weekend for West Elm and got approved for (sniff sniff) $250 (denied 6 months ago, so happy that at least it wasn't another denial) then apped for Restoration Hardware (closed my eyes as it pended fully expecting a denial on this one) and APPROVED for $4k?!! WHAT?!!

 

Either way, I will take it! I am looking to refurnish my apartment, and was looking for special financing to do so, so RH will definitely provide what I need. I am VERY excited to be in with them and know that from what I've learned on these boards, that both cards will grow! I just can't wrap my head around such a huge difference between the two limits!

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 1 of 21
20 REPLIES 20
thummel
Established Contributor

Re: A few (confusing) Comenity approvals!

Congrats On your approvals!

Message 2 of 21
Anonymous
Not applicable

Re: A few (confusing) Comenity approvals!

Congratualtions!

Message 3 of 21
Loquat
Moderator Emeritus

Re: A few (confusing) Comenity approvals!

Congrats on the approval!

Message 4 of 21
Creditaddict
Legendary Contributor

Re: A few (confusing) Comenity approvals!


@ohreally7654 wrote:

Hello MyFico community!

 

Oh how I wish someone could explain Comenity's lending/underwriting policies!  I do understand that every store has different criteria, I really do--I apped over the weekend for West Elm and got approved for (sniff sniff) $250 (denied 6 months ago, so happy that at least it wasn't another denial) then apped for Restoration Hardware (closed my eyes as it pended fully expecting a denial on this one) and APPROVED for $4k?!! WHAT?!!

 

Either way, I will take it! I am looking to refurnish my apartment, and was looking for special financing to do so, so RH will definitely provide what I need. I am VERY excited to be in with them and know that from what I've learned on these boards, that both cards will grow! I just can't wrap my head around such a huge difference between the two limits!


call the automated system for both of them and ask robo lady for cli and no particular amount.

Message 5 of 21
CreditMagic7
Super Contributor

Re: A few (confusing) Comenity approvals!


@Creditaddict wrote:

@ohreally7654 wrote:

Hello MyFico community!

 

Oh how I wish someone could explain Comenity's lending/underwriting policies!  I do understand that every store has different criteria, I really do--I apped over the weekend for West Elm and got approved for (sniff sniff) $250 (denied 6 months ago, so happy that at least it wasn't another denial) then apped for Restoration Hardware (closed my eyes as it pended fully expecting a denial on this one) and APPROVED for $4k?!! WHAT?!!

 

Either way, I will take it! I am looking to refurnish my apartment, and was looking for special financing to do so, so RH will definitely provide what I need. I am VERY excited to be in with them and know that from what I've learned on these boards, that both cards will grow! I just can't wrap my head around such a huge difference between the two limits!


call the automated system for both of them and ask robo lady for cli and no particular amount.


This ^

 

Message 6 of 21
Anonymous
Not applicable

Re: A few (confusing) Comenity approvals!

Congrats!

Message 7 of 21
ohreally7654
Established Contributor

Re: A few (confusing) Comenity approvals!

Thank you, thummel!!

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 8 of 21
ohreally7654
Established Contributor

Re: A few (confusing) Comenity approvals!


@Anonymous wrote:

Congratualtions!


Thanks, Musiclover, a good way to end a Monday!

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 9 of 21
ohreally7654
Established Contributor

Re: A few (confusing) Comenity approvals!

I appreciate the tip, Creditaddict, thank you!! I will be calling them here, shortly, and will report back! Fingers-crossed that at least West Elm shows a little love Smiley Happy

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 10 of 21
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