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Total Rewards Visa ...UPDATED!

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Frequent Contributor

Total Rewards Visa ...UPDATED!

After being declined twice (once in May 2017, then again in Sept 2017) I just about gave up on this card.  My scores have improved since then especially Equifax , now at 688. I decided to take another shot since I know that they pull Equifax and the issuer is Comenity Bank.

Approved for $7000  24% APR no annual fee.  Also they gave me a temporary acct.# that I can use now for 16 days or until my card arrives.

Well today I tried pay for some things at the grocery store that came up to about $40 and my card was declined, good thing I actually I cash on me. I called the CSR and was told that my card was closed....the reason was "too many inquiries". That's it. Nothing else. I was told a letter went out on the 9th informing me this. No phone call. No email. The automated system still has my acct. open, as well as the website. The CSR said that doesn't matter, the acct. is closed and cannot be reopened. Thanks Comenity. 

Now I did go on a mini app spree,
TR Visa     - Approved
Paypal MC - Approved
AmEx PGR - Approved
USAA CLI-   Approved
JetBlue MC- Declined
Southwest MC- Declined
AmEx ED    - Declined(recon pending) 
All in the same week. I was warned that's for sure, Thanks again Comenity, you're the worst.


 



 

18 REPLIES 18
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Community Leader
Mega Contributor

Re: Total Rewards Visa ...FINALLY!

CongratsSmiley Happy

Now that you ventured into Comenity Visa territory, be wary of apping other Comenity store cards or alot of cards near this approval. Not saying anything will happen, but Comenity can be more skittish than most. Enjoy hopefully along timeSmiley Happy
Message 2 of 19
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Frequent Contributor

Re: Total Rewards Visa ...FINALLY!

Thanks, I think I'll be gardening for the rest of the year.Smiley Wink

 



 

Message 3 of 19
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Established Contributor

Re: Total Rewards Visa ...FINALLY!

Congrats on your approval. 

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 4 of 19
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Regular Contributor

Re: Total Rewards Visa ...FINALLY!

Congrats!


Fico 8: EX - 713 (11 INQs) TU - 717 (14 INQs) EQ - 700 (11 INQs)
Message 5 of 19
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Super Contributor

Re: Total Rewards Visa ...FINALLY!

Congrats on this card. I got shot down and never reapplied.  I still want one tho



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>03/2020 CCT EX 832 TU 848 EQ 842

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 6 of 19
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Frequent Contributor

Re: Total Rewards Visa ...FINALLY!

Congrats!  This card will GROW!


Message 7 of 19
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Contributor

Re: Total Rewards Visa ...FINALLY!

Nice approval!! I had fun with this card when I went to Vegas used my points towards a buffet lol 

Message 8 of 19
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Established Contributor

Re: Total Rewards Visa ...FINALLY!

Congrats. Make sure you take advantage of the 3 free nights @ Atlantis!!

FICO EQ: 720 EX: 713 TU 721

Apple $6.5k, Citi Diamond $9.5k, Citi Double Cash $10k, Citizens Bank Cashback Plus $7.2k, Chase Amazon $3k, Chase Hyatt $16k, Chase CSP $13.6k, Chase IHG $16k, Amex Hilton $25k, Chase Freedom $10.5k, Amex Cash Magnet $5k, NFCU Plat $31k, NFCU Cash $20k, Discover IT $26.5kk, Discover Miles $6k, Barclays rewards $7.5k, Wells Fargo Cash $6.3k, PenFed Promise $15k

Message 9 of 19
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Frequent Contributor

Re: Total Rewards Visa ...FINALLY!


@trant3wrote:
@Congrats. Make sure you take advantage of the 3 free nights @ Atlantis!!

Oh, Absolutely! Thanks.

 



 

Message 10 of 19
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