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Comenity AKC Instant Approval!

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calyx
Super Contributor

Comenity AKC Instant Approval!

I apped for something else, but it's in review.   And I got twitchy and figured I wouldn't have to reset my spade if I went ahead and apped today (I would also not have to defrost the reports again)


I was hoping they would pull EQ, but they pulled my poor battered and beleaguered EX report instead.

EX F8: 774
Inqs: 5/9 (6/10 with this one)
Util: 2%

 

AKC.png

 

This should purchase a sufficient amount of kibble for my girls (they, of course, will tell you they're starving and mistreated).

 

This is also the first (or second, I'll let you know later) time that I've gotten the lowest APR!

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 1 of 39
38 REPLIES 38
AllZero
Mega Contributor

Re: Comenity AKC Instant Approval!

Congratulations on your approval!
Message 2 of 39
simplynoir
Community Leader
Mega Contributor

Re: Comenity AKC Instant Approval!

Congrats on the approval
Message 3 of 39
UncleB
Credit Mentor

Re: Comenity AKC Instant Approval!


@calyx wrote:

I apped for something else, but it's in review.   And I got twitchy and figured I wouldn't have to rest my spade if I went ahead and apped today (I would also not have to defrost the reports again)


I was hoping they would pull EQ, but they pulled my poor battered and beleaguered EX report instead.

EX F8: 774
Inqs: 5/9 (6/10 with this one)
Util: 2%

 

AKC.png

 

This should purchase a sufficient amount of kibble for my girls (they, of course, will tell you they're starving and mistreated).

 

This is also the first (or second, I'll let you know later) time that I've gotten the lowest APR!


Congrats on the great credit line and APR!  screamer.gif

Message 4 of 39
expatCanuck
Super Contributor

Re: Comenity AKC Instant Approval!

Congratulations!!

 

(But don't spoil your girls any more than you already do. Smiley Wink)


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 5 of 39
kilroy8
Community Leader
Super Contributor

Re: Comenity AKC Instant Approval!

Bow wow wow!

 

Congrats.

Message 6 of 39
FinStar
Moderator Emeritus

Re: Comenity AKC Instant Approval!

Congrats on the AKC approval @calyx!   I've noticed a recent trend where Comenity seems to be pulling EX (instead of EQ) for their V/MC/D cards.

Message 7 of 39
calyx
Super Contributor

Re: Comenity AKC Instant Approval!


@expatCanuck wrote:

Congratulations!!

 

(But don't spoil your girls any more than you already do. Smiley Wink)


I'll tryyyyyy (she says as a dog is actually in her lap)

Barkbox has AMEX offers right now, too (can be used 3x)! 

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 8 of 39
calyx
Super Contributor

Re: Comenity AKC Instant Approval!


@FinStar wrote:

Congrats on the AKC approval @calyx!   I've noticed a recent trend where Comenity seems to be pulling EX (instead of EQ) for their V/MC/D cards.


Thanks @FinStar !

I'd noticed the EX preference, too, which is why I kept it unlocked.    I was (not so secretly) hoping that me being in NC would nudge them to EQ since it seems to be the one pulled here if the FI doesn't have a strong preference.    I thought about waiting for later, when my EX should recover from my reindeer games, but decided to bite the bullet.

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 9 of 39
AverageJoesCredit
Legendary Contributor

Re: Comenity AKC Instant Approval!

Super grats Smiley Happy Im so sorry they had to use a report with a 774 scoreSmiley Sad Leave it to Comenity to approve someone with a high scoreSmiley Wink
Message 10 of 39
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