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Comenity Carter's Approval

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Anonymous
Not applicable

Comenity Carter's Approval

2nd App after a 3+ year break. I just posted about my Chase Amazon Prime Signature Approval.

 

Just got instant approval and a tiny $1000 SL for the "new" Carter's credit card. I'm not that bothered as it's not going to be a heavy use card in any way, shape or form. Opened mostly just to collect double points on clothes for the kid. Every 150 points earned generates a $10 coupon.

 

That said, there don't seem to be a lot of data point on this card here. o I'm making this post to add to that. The two references I found had scores in the mid-high 600s to low 700s -  they both got $1000 SL's as well. I know I'm in the 800s all around, so that could Comenity/Carter's starting line threshold. Or they don't trust me because my income was stated as other since it was household. Who knows! *shrugs*

 

RedactedCartersApproval.jpg

 

 

 

 

 

 

I did need to join their Rewarding Moments (such a cheesy name!) rewards program prior to applying for the card.

They give a nice 25% off everything (including clearance and doorbuster items) bonus for opening the card. Saved $50 with that. 

 

But it's still Comenity, which I understand is an "is what it is" lender. I would like to recon but a quick search here tells me that's not really worth the time. So, as with Chase, I guess I'll use and pay off on it a few times and then ask for a CLI.  Of course, this will take much longer as we only buy kid clothes maybe 2x a year.

 

If you're reading, I hope you're having a great day!

Message 1 of 10
9 REPLIES 9
cashorcharge
Community Leader
Super Contributor

Re: Comenity Carter's Approval

Congratulations on your Carter's Approval!

Message 2 of 10
AllZero
Mega Contributor

Re: Comenity Carter's Approval

Congratulations on your approval!
Message 3 of 10
blindambition
Senior Contributor

Re: Comenity Carter's Approval

Congrats on your approval!! Since it's Comenity, you should be able to increase limit fairly easy over time. Comenity is a finicky lender though. CLD and closures happen out of the blue. One card doesn't put you at great risk. 😊 

Message 4 of 10
CreditAggie
Community Leader
Super Contributor

Re: Comenity Carter's Approval

Congratulations on your Carter's approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (December 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 10
M_Smart007
Legendary Contributor

Re: Comenity Carter's Approval

Congratulations on your Comenity Carter's Approval..

Message 6 of 10
gdale6
Moderator Emeritus

Re: Comenity Carter's Approval

Not too bad, grats on this one too Smiley Happy
Message 7 of 10
Aim_High
Super Contributor

Re: Comenity Carter's Approval

Congrats on your Carter's approval and

welcome back out of the garden, @Anonymous!

That was a long time away!  Smiley Very Happy 

 

Gardening_02.jpg

 

 


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 8 of 10
Meanmchine
Super Contributor

Re: Comenity Carter's Approval

Congrats again !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 9 of 10
Anonymous
Not applicable

Re: Comenity Carter's Approval

Updating that Comenity/Carter's was a soft pull to Experian.

Message 10 of 10
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