cancel
Showing results for 
Search instead for 
Did you mean: 

Wayfair, They Got Just What My Wife Needs (Updated 3/3/20)

Highlighted
Community Leader
Mega Contributor

Wayfair, They Got Just What My Wife Needs (Updated 3/3/20)

So, my wife wanted to buy stuff from Wayfair, but she couldn't get approved for a card, so she asked me to apply for one. I was like, "look, girl-bro, I just got approved for two Amex and I got my sights set on the Bonvoy. Why you trying to trip me up? I need to finish hitting spend, use one of those two." Then she tells me she's gonna pay it off in payments and I say, "the FICO you are, what part of BONVOY didn't you understand? PIF or kick rocks." I'm sure by now some of you are 😒 me, but we keep our finances separate because she likes minimum payments and I ain't about that life.

 

She asks me again and I remind her that I burned them before which resulted in getting sued by PRA. Comenity hasn't approved, pre-qualified, or shopping carted me in 4 years. There's no way they'll approve me. I ran the pre-qual cause why the FICO not? It won't hurt me and she'll see I won't be approved.

 

I was pre-approved.

 

At this point my palms are sweaty, knees weak, arms are heavy. Thought I cut my fingers on the broken screen protector, but it was mom's spaghetti. There was no pre-approved limit stated anywhere and I figured it would be another $300 low limit banger, but it came back for $1k. And all I was thinking was 'dang. There goes my utilization.'

 

We made an agreement that she could use it, but it had to stay under 30% at all times. Guess how much that first purchase was. I got in that shopping cart and started hitting delete like it was a punching bag. Took advantage of the $50 for first purchase over $250 and got it just under 30%.

 

Today I got my "card" and learned it also works at Joss & Main, ALLMODERN, Birch Lane, and PERIGOLD. I also learned it wasn't a card, more like a credit program. I guess I'm supposed to write down my card number somewhere because this is what I got:

PhotoGrid_1583210062683.jpg

 

How am I supposed to flex that in my wallet? Stick it between my metal cards? Shoot.

 

Datapoints

 

I don't know. I haven't paid attention in a couple months because I'm focused on paying off and removing collections. There's 5 of those.

 

EDIT: just realized and wanted to add, after doing the prequal, it was a SP to open. It's been a week and I haven't received a HP yet.

 

Also, I requested a CLI and they upped me to $1800.







44 REPLIES 44
Highlighted
Valued Contributor

Re: Wayfair, They Got Just What My Wife Needs

Shame on the DW lol What would we do for love lol21785i28A83A703392EAB8.gif

Message 2 of 45
Highlighted
Super Contributor

Re: Wayfair, They Got Just What My Wife Needs

Congratulations on your approval! Love the story!
Message 3 of 45
Highlighted
Community Leader
Super Contributor

Re: Wayfair, They Got Just What My Wife Needs

I just want to say I enjoy your humor very much Smiley LOL

Congrats! (?)

2020 is like a steak cooked well-done that needs to get out of my face. - @imapharmacygirl
Message 4 of 45
Highlighted
Moderator

Re: Wayfair, They Got Just What My Wife Needs

Congrats on the approval!
They stopped giving the actual card a while ago.....but that's ok because in reality you don't need it really. I don't even carry mine in my wallet. 

Got some pruning to do... No more new cards!
Message 5 of 45
Highlighted
Frequent Contributor

Re: Wayfair, They Got Just What My Wife Needs

Congrats on the approval and spending agreement w/ DW! Loving the Eminem lyric quote (big fan) Lose yourself in the moment, the approval Smiley Happy MF version 

Kohl's $3K | Cap1 QS $2.5K | Target Redcard $1.8K | Citi DC $6.4K | Amex BCE $1K | Dick's ScoreRewards MC 10K | Amex ED $4.2K | Amex Schwab Platinum NPSL | Amex Schwab Investor 3K | Rakuten 3K | WF CashWise VS $11.3K | Discover IT $9.8K | Disco IT Miles (#2) 2.5K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity VS $9K | USBank Cash+ VS $9K | Cap1 VentureOne 16K | BBT Spectrum Cash Rewards VS 7.5K | BBT Cash Rewards #2 4.5K | BBT Bright 5K | BBVA ClearPoints 7.5K | PNC Cash Rewards 15.5K | BECU Cashback 19.5K | EX 717 | TU 736 | EQ 659
Business Credit ~ Amex BBP 4.8K | Amex BBC 15K | Amex Biz Gold NPSL | Amex Biz Green NPSL | US Bank Biz Cash 3K ~LOC's~ BECU 15K |
Message 6 of 45
Highlighted
Community Leader
Mega Contributor

Re: Wayfair, They Got Just What My Wife Needs


@JAG73 wrote:

Congrats on the approval!
They stopped giving the actual card a while ago.....but that's ok because in reality you don't need it really. I don't even carry mine in my wallet. 


I was really confused for a few moments. Thought I had to confirm my account before they would send me the real card. Now I have to go check out these other sites to figure out how it works.







Message 7 of 45
Highlighted
Community Leader
Super Contributor

Re: Wayfair, They Got Just What My Wife Needs

@Brian_Earl_Spilner  the tags for your thread 😂🤣😂

2020 is like a steak cooked well-done that needs to get out of my face. - @imapharmacygirl
Message 8 of 45
Highlighted
Community Leader
Mega Contributor

Re: Wayfair, They Got Just What My Wife Needs


@simplynoir wrote:

@Brian_Earl_Spilner  the tags for your thread 😂🤣😂


I just chose from what the site offered me. 🤷‍♂️







Message 9 of 45
Highlighted
Epic Contributor

Re: Wayfair, They Got Just What My Wife Needs

popcorn eating emoticon.gif

Message 10 of 45
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.