I might be addicted to SCT

Shawndoe79 · ‎04-10-2016

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

trant3 · ‎04-10-2016

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

Amex Bonvoy Brilliant $5k, Expedia OneKey $30k, Fidelity $23.5k, FNBO $15k, Universal Studios Visa $15k, G-Bank $15k, Mesa Homeowners Visa $20k, FourLeaf FCU $35k, US Bank Cash+ 15k, US Bank Alt. Reserve $16k, Affinity FCU $10k, Sofi $15k, Venmo Visa $15k, AAA $11.9k, Apple $8.5k, Citi Custom Cash $19k, Citi Double Cash $16k, Citizens Bank Cash Plus $11k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $1k, AMEX Hilton Aspire $18k, Chase Freedom $41.5k, NFCU Plat $50k, NFCU Flagship $30k, Discover IT $36.5k, Discover Miles $20k, BECU Visa $40k, Wells Fargo Active $11.3k, PenFed Promise $15k, PenFed Gold $20k, BoA AmeriCard $14k, BoA Cash $14k, Citi SYWM $1k

Anonymous · ‎04-10-2016

Congratulations!

Anonymous · ‎04-10-2016

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.

Anonymous · ‎04-10-2016

Congrats! I love Wayfair!

Shawndoe79 · ‎04-10-2016

@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

Shawndoe79 · ‎04-10-2016

@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.

Anonymous · ‎04-10-2016

@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.

Shawndoe79 · ‎04-10-2016

@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

Anonymous · ‎04-10-2016

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?