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I might be addicted to SCT

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Shawndoe79
Established Contributor

I might be addicted to SCT

Smiley Surprised just got Wayfair for 3k, created account hit luv button for additional $200 = $3200.  Think thats enough to buy a new comforter for my king bed Smiley Happy

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 1 of 11
10 REPLIES 10
trant3
Established Contributor

Re: I might be addicted to SCT

Congrats! Not to rain on your parade though but be careful with commenity, they've been closing accounts lately with no notice

FNBO $15k, Aspiration Zero $11k, Affinity FCU $10k, Sofi $15k, Venmo Visa $2.7k, Apple $7k, Citi Custom Cash $14k, Citi Double Cash $15k, Citizens Bank Cash Plus $8k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $16k, Amex BCP $9.5k, Amex Hilton $10k, Chase Freedom $26.5k, NFCU Plat $46k, NFCU Cash $33k, Discover IT $29k, Discover Miles $12k, BECU Visa $14k, Wells Fargo Active $6.3k, PenFed Promise $15k, PenFed Gold $20k
Message 2 of 11
Anonymous
Not applicable

Re: I might be addicted to SCT

Congratulations!

Message 3 of 11
Anonymous
Not applicable

Re: I might be addicted to SCT

Congrats on your approval.  Please don't become addicted to Comenity, they can be your worse nightmare. Search on this site about Comenity closing accounts.  

Message 4 of 11
Anonymous
Not applicable

Re: I might be addicted to SCT

Congrats! I love Wayfair!

Message 5 of 11
Shawndoe79
Established Contributor

Re: I might be addicted to SCT


@trant3 wrote:

Congrats! Not to rain on your parade though but be careful with commenity, they've been closing accounts lately with no notice


Thanks, Yea I heard about it, if it happens it happens, but havent had any problems so far, knock on wood

 

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 6 of 11
Shawndoe79
Established Contributor

Re: I might be addicted to SCT


@Anonymous wrote:

Congrats on your approval.  Please don't become addicted to Comenity, they can be your worse nightmare. Search on this site about Comenity closing accounts.  


hope not lol...seriously Im done, no more Comenity accounts, thats the last one I wanted.  More addicted to the no inquiries than Comenity, since my AAOA is still over 5 years.

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 7 of 11
Anonymous
Not applicable

Re: I might be addicted to SCT


@Shawndoe79 wrote:

@Anonymous wrote:

Congrats on your approval.  Please don't become addicted to Comenity, they can be your worse nightmare. Search on this site about Comenity closing accounts.  


hope not lol...seriously Im done, no more Comenity accounts, thats the last one I wanted.  More addicted to the no inquiries than Comenity, since my AAOA is still over 5 years.


Shawndoe79 I hear you, to get a card and no HP is tempting.  Last year I opened Overton MasterCard and it was a soft pull and the APR is 16.9....even better is Red Roof Inn Visa at 13.9 apr.   that is a hard pull.  I have never stay at a Red Roof Inn and won't use the perks, but the interest rate is so great, that if I have to carry a balance, the that's my go to card, lol!  I've closed 11 Comenity accounts with only a few left now.  So if Comenity goes crazy again, it won't really impact me.

 

 It was just shocking to me that Comenity started closing accounts after approving them for no other reason then you have too many inquiries.  My thoughts are when you do the soft pull or hard one, why didn't you see that and decline the app...you approve the card, allow usage for months with great customers and one day you sign on to your accounts and they are all closed!!!  Sometimes when it sounds to good to be true, it is, lol!    Just wanted you to be aware of them and you are! Best wishes.

Message 8 of 11
Shawndoe79
Established Contributor

Re: I might be addicted to SCT


@Anonymous wrote:

@Shawndoe79 wrote:

@Anonymous wrote:

Congrats on your approval.  Please don't become addicted to Comenity, they can be your worse nightmare. Search on this site about Comenity closing accounts.  


hope not lol...seriously Im done, no more Comenity accounts, thats the last one I wanted.  More addicted to the no inquiries than Comenity, since my AAOA is still over 5 years.


Shawndoe79 I hear you, to get a card and no HP is tempting.  Last year I opened Overton MasterCard and it was a soft pull and the APR is 16.9....even better is Red Roof Inn Visa at 13.9 apr.   that is a hard pull.  I have never stay at a Red Roof Inn and won't use the perks, but the interest rate is so great, that if I have to carry a balance, the that's my go to card, lol!  I've closed 11 Comenity accounts with only a few left now.  So if Comenity goes crazy again, it won't really impact me.

 

 It was just shocking to me that Comenity started closing accounts after approving them for no other reason then you have too many inquiries.  My thoughts are when you do the soft pull or hard one, why didn't you see that and decline the app...you approve the card, allow usage for months with great customers and one day you sign on to your accounts and they are all closed!!!  Sometimes when it sounds to good to be true, it is, lol!    Just wanted you to be aware of them and you are! Best wishes.


Yeah that would suck lol, thanks for the advice Roseyk

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 9 of 11
Anonymous
Not applicable

Re: I might be addicted to SCT

I just got 3 cards with Comenity myself a couple days ago.  Low limits of course which I don't understand because my scores are above 650.  Anyway, I wish I had researched better than I did, the thought of closing accounts scares me seeing how I don't want scores to go down.  On average how many point do a person lose when an account is closed?

Message 10 of 11
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