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Torrid Approval!!

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Established Member

Torrid Approval!!

Ya'll! finally...FINALLY i got approved for Torrid Store Card . I currently have a lane bryant card which is owned by Comenity Bank as well and after owning the LB card for 5 months i applied for torrid in store and whatever was wrong with their systems in store denied me for a card or as i was told 'cant make a decision at the moment' and was told to apply online (this was in july) but after applying on line was told denied..i waited a week and applied again and got a letter saying that due to recent application i need to wait 30 days. well i applied today and was finally APPROVED for $250 CL. good start--considering I'm still rebuilding but to date i have the following cards: LB: $250; VS (authorized on wife's) $250; Fingerhut $300; BofA (partial secure) $500 FICO Ex: 580; TU: 587 FAKO Eq 606; TU 616 (credit karma)



Mrs LaBeej
6/2016 TU 575 EQ 588; 8/2016 TU 616 EQ 606
10 REPLIES 10
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Frequent Contributor

Re: Torrid Approval!!

Congrats!!!  Keep up the good work on the rebuild.  Smiley Happy

I see you have the BofA Secured Card;  Might I suggest some really good

secure cards to go along with that mix you have going on there:

Discover Secured ($200)/Capital One Secured/USAA AMEX Secured if you're a Member.

USAA Rate Advantage Visa 17.5% 7K|USAA AMEX Rewards+ 5K|USAA Prefered Rewards Visa 4.5K|USAA Classic Visa 2.5K|USAA Classic AMEX 2.5K|USAA Classic MC 2K|CaptialOne QS1 4.5K|Capial One QS Visa 1K|AMEX-EDC 1K|BofA Rewards VISA 10K| BarclayCard Rewards 4K|Barclaycard Choice Rewards Visa 1.4K|Walmart Store Card 6K|Amazon Store Card 4K|Sam's Club 10K|Meriick Visa 1.2K|OverStock 2K|Hilton-AMEX 5K|AMEX BCE 16K|PENFED PRVS 9K|AMEX PRG NSPL|FICOs: EQ 688 EXP 679 TU 685
Message 2 of 11
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Valued Contributor

Re: Torrid Approval!!

Congrats to you  !!!!

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 3 of 11
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Frequent Contributor

Re: Torrid Approval!!

CONGRATULATIONS !!!  Small baby steps toward the right direction. Keep up the good work. Been at your shoes at one point. There are several phone apps you can get for free to keep track of your progress. Good luck !!!

Message 4 of 11
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Established Member

Re: Torrid Approval!!

Thank you! I do have quite a few apps that I'm obsessed with and I keep up with it daily Smiley Happy


Mrs LaBeej
6/2016 TU 575 EQ 588; 8/2016 TU 616 EQ 606
Message 5 of 11
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Valued Contributor

Re: Torrid Approval!!


@letmeholdadollah wrote:

Ya'll! finally...FINALLY i got approved for Torrid Store Card . I currently have a lane bryant card which is owned by Comenity Bank as well and after owning the LB card for 5 months i applied for torrid in store and whatever was wrong with their systems in store denied me for a card or as i was told 'cant make a decision at the moment' and was told to apply online (this was in july) but after applying on line was told denied..i waited a week and applied again and got a letter saying that due to recent application i need to wait 30 days. well i applied today and was finally APPROVED for $250 CL. good start--considering I'm still rebuilding but to date i have the following cards: LB: $250; VS (authorized on wife's) $250; Fingerhut $300; BofA (partial secure) $500 FICO Ex: 580; TU: 587 FAKO Eq 606; TU 616 (credit karma)


Congratulations to you!...Thanks for sharing.Smiley Wink

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 6 of 11
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Frequent Contributor

Re: Torrid Approval!!

Congratulations!  But don't apply for any more Comenity cards, they aren't worth what the hard pull does to your scores.  If you wanted more Comenity cards (though I don't recommend), try the shopping cart trick.  Your scores might be a little low, but also try the Capital One pre-qual site and see if the Quicksilver or Quicksilver1 show up for you and get an unsecured card that could double in 3-6 months.    

Capital One VentureOne Visa Signature $10,000 / Amex Blue Cash Everyday $6000 / Williams-Sonoma Visa $7500 / Capital One Quicksilver 1 MC $2150 / Capital One Quicksilver MC $4000 / Amex Hilton HHonors $2800 / Bank of America Cash Rewards Visa $2500 / Merrick Bank Visa $2600 / Barclays Apple Rewards $2000 / Delta Skymiles Gold Amex $1000 / Macy's Store Card $2500 / Serta iComfort $8000 / Overstock $2350 / J. Crew $13,250 / Amazon Store Card $5000 / Victoria's Secret Angel Card $2250 / J. Jill Card $1700 / Old Navy Card $3300 / Lane Bryant Platinum Card $2800 / Walmart Store Card $6000 / Phillips 76 Gas Card $2200 / California Credit Union Personal Loan $10,000
Message 7 of 11
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Moderator Emeritus

Re: Torrid Approval!!


@letmeholdadollah wrote:

Ya'll! finally...FINALLY i got approved for Torrid Store Card . I currently have a lane bryant card which is owned by Comenity Bank as well and after owning the LB card for 5 months i applied for torrid in store and whatever was wrong with their systems in store denied me for a card or as i was told 'cant make a decision at the moment' and was told to apply online (this was in july) but after applying on line was told denied..i waited a week and applied again and got a letter saying that due to recent application i need to wait 30 days. well i applied today and was finally APPROVED for $250 CL. good start--considering I'm still rebuilding but to date i have the following cards: LB: $250; VS (authorized on wife's) $250; Fingerhut $300; BofA (partial secure) $500 FICO Ex: 580; TU: 587 FAKO Eq 606; TU 616 (credit karma)


Congrats on approval!   It's always great to get a "yes" during a rebuild.   It sounds like you have a good base if you want to Garden.

 

BTW, are you able to use the Torrid card at Hot Topic?  



Start: 619 (TU08, 9/2013) | Current: 795 (TU08, 10/14/20)
AMEX Cash Magnet $54000 | BofA BBR #1 $43900 | Discover IT $39000 | Uber VS $37000 | BoA BBR #2 $31100 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $23500 | GS Apple Card WEMC $20000 | Altitude Go VS $19500 | Cap 1 QS WMC $17250 | Sony Card $15750 | Freedom Flex WEMC $15000 | Disney Premier VS $15000 | FNBO Rewards VS $15000 | Target MC $13500 | WF Cash Wise VS $12,000 | Cap 1 SavorOne WEMC $10500 | Amazon VS $10000 | Blispay $7500 | AARP VS $5800 | Cash Back World WMC $3000 ~~
Message 8 of 11
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Established Member

Re: Torrid Approval!!


@callmefilmgeek wrote:

Congratulations!  But don't apply for any more Comenity cards, they aren't worth what the hard pull does to your scores.  If you wanted more Comenity cards (though I don't recommend), try the shopping cart trick.  Your scores might be a little low, but also try the Capital One pre-qual site and see if the Quicksilver or Quicksilver1 show up for you and get an unsecured card that could double in 3-6 months.    



thank you so much for that advice! Smiley Happy ill definitely make this my last comenity card..was thinking about it as well...i keep getting just the secured option...i dont want that i want, like u said, the quicksilver..or any one of there unsecured ones Smiley Happy



Mrs LaBeej
6/2016 TU 575 EQ 588; 8/2016 TU 616 EQ 606
Message 9 of 11
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Frequent Contributor

Re: Torrid Approval!!

Congrats on you rebuild. As stated before, try to just use and pay the cardsoff then try for a major credit card-Visa/MC! Congrats again.

Message 10 of 11
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