MyPoints Visa

[wacdenney]

After replying to a post asking a question about the shopping cart trick today, curiosity got the best of me and I logged in to MyPoints and recieved a preapproval.  I couldn't resist hitting the accept button, but wound up with a dismal $250.00 CL.  That is 1/4 of my normal CL on my other cards...  Does anyone know if Comenity has a backdoor recon number?  Surely they would recon for more??!?  I already tried the luv button and got a 7 to 10 day message.

[Creditaddict]

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@wacdenney wrote:

After replying to a post asking a question about the shopping cart trick today, curiosity got the best of me and I logged in to MyPoints and recieved a preapproval.  I couldn't resist hitting the accept button, but wound up with a dismal $250.00 CL.  That is 1/4 of my normal CL on my other cards...  Does anyone know if Comenity has a backdoor recon number?  Surely they would recon for more??!?  I already tried the luv button and got a 7 to 10 day message.

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Just log in and start hitting the credit line increase button until you get the 7-10 day message... Some have reported getting 5+ increases!!

should work on your sportsmansguide too.

[Creditaddict]

Oops sorry... Totally wasn't reading!!!!

umm not sure, comenity is weird about recon, doesn't seem possible mostly but Id call csr anyway and tell them you will close if not increased... They can forward

[wacdenney]

Does anyone know if there is an option to talk to a live person when you call in to activate the card?   Maybe I could recon the CL then?

[tray]

Sorry to hear about the low cl, hopefully someone chimes in who has this card and can give you the telephone number so you can call and to speak with a supervisor, good luck....

[gdale6]

Well the card will grow, congrats

[Sooners2013]

If you dont mind sharing with us, what are your credit scores?  What about your utilization?  Do you know if it was a soft or hard pull? 

[Creditaddict]

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@Sooners2013 wrote:

If you dont mind sharing with us, what are your credit scores?  What about your utilization?  Do you know if it was a soft or hard pull? 

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they HP if you accept the pre-approval.

[wacdenney]

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@Sooners2013 wrote:

If you dont mind sharing with us, what are your credit scores?  What about your utilization?  Do you know if it was a soft or hard pull? 

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The only FICO score I know for sure is TU at 681.  I got that info on a denial letter on the uPromise earlier this week from Barclay.  My Utilization on revolvers show 20% on my Equifax Complete Advantage plan.  It's actually slightly lower, but my Sportsman's Guide card and a Cap 1 CLI have yet to report.  I do not show any inquiries from Comenity on EQ for today, but there is a SP from them on there that is less than 30 days old, so maybe they used that?

I have not got any alerts from CreditKarma (TU) or ProtectMyID (EX) about a any new inquiries either.

[wacdenney]

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@Creditaddict wrote:

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@Sooners2013 wrote:

If you dont mind sharing with us, what are your credit scores?  What about your utilization?  Do you know if it was a soft or hard pull? 

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they HP if you accept the pre-approval.

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I do not see an HP on my EQ report.  They do generally pull EQ for me.  It certainly could happen tomorrow, however.