Academy Comenity Approval

[Morphyyy]

Approved for a lousy $350. Just realized how crappy Comenity is. Is there anyway I can call and cancel the card before they ship it?

[M_Smart007]

Congratulations on your Approval..

[AllZero]

Congratulations on your approval!

[AllZero]

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@Morphyyy wrote:

Approved for a lousy $350. Just realized how crappy Comenity is. Is there anyway I can call and cancel the card before they ship it?

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To answer your question, you incurred a HP Hard Pull inquiry. More than likely, the new account will show up on your credit report whether you close it or not.

The rewards don't look too bad, $15 off and 5% off?  https://www.academy.com/shop/browse/academy-credit-card

[GApeachy]

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@Morphyyy wrote:

Approved for a lousy $350. Just realized how crappy Comenity is. 

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It's not as bad as you think.  When your paper work/card arrives via snail mail, (around 10 days) set up your account and try for a sp cli before doing anything else.  With Comenity it's not uncommon to double or triple your limit immediately.  Use your card, pif, rinse and repeat and every two to four months you can request another sp cli.  (Minors are usually on a two month schedule)

Comenity Bank accts grow like weeds..just don't poke the bear.  (apping too many of their cards)

Congrats and enjoy!

[Morphyyy]

Oh wow! So just call after I set it up and ask if they can do a soft pull for a CLI?

[Anonymous]

Nope, once you set up online access and log into your account, hit the increase button in there. If they increase you, try it again. I've gotten two of my cards increased immediately one time, and the third card (Overstock)  I got two back to back increases, from $750 to $1500 to $2250. That was October 13th of last year. Currently that card sits at $11,550, 54 weeks after opening it. @GApeachy isn't kidding in saying these cards can grow fast.

[gdale6]

Yes, you can call them to cancel it but its still going to appear on your CR.

[CreditAggie]

Congratulations on your Academy approval!

[GApeachy]

Yeah, thanks for clarifying @Anonymous  .    @Morphyyy Do the initial cli request online right when you set up your account...online. Just make sure it doesn't read anything like they will have to hp your cr.   Good Luck and let us know.