Comenity Bank Strategy

[dallasareaguy]

So I have a J.Crew and Express Next account totalling $700 in credit. Does use of the credit through these and making payments help my chances of getting approved for a Comenity Visa through them down the road or is it likely to be strictly hard pull numbers that decide each time?

[Anonymous]

Here's a good strategy.  There are three Comenity cards that only have attached major cards (no just store card offers).  The Sportsman's Guide, Total Rewards & Camping World.  Keep trying those three sites until you get a popup for pre-approval.  I think they rely mainly on your credit score and not your history of making payments with their other cards.  I have read where you have to be in the 700s to get the major credit card pre-approvals.

[Anonymous]

Also the Virgin America Visa and the Fuel Rewards Network MasterCard.

[Anonymous]

don't forget their purplicious orbitz visa card. though require hp, fairly easy card to get.

[Anonymous]

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@Anonymous wrote:

Here's a good strategy.  There are three Comenity cards that only have attached major cards (no just store card offers).  The Sportsman's Guide, Total Rewards & Camping World.  Keep trying those three sites until you get a popup for pre-approval.  I think they rely mainly on your credit score and not your history of making payments with their other cards.  I have read where you have to be in the 700s to get the major credit card pre-approvals.

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Not exactly true.  I got the pop up for the Sportsmans Guide Visa, got approved for $7K and my scores were in the 660 range