Another winning call with Comenity...decline

[Creditaddict]

Talking to "Consumer Relations" makes me want to add Vodka to my coffee in the AM...

It's like a GE computer robot.

My Eddie Baur (I deserve it since I don't really want it) but they pulled EX not EQ which is also annoying and it was declined for INQ's but of course the 2nd I mention well if it's INQ's, I have 2 in the last 30 days from Comenity for 2 other APPROVED Accounts, might you reconsider this.

She quickly changes her tune to "INQ's and your overall credit profile" she clearly can't see credit, they don't send to a credit dept for review, they almost get irritated that you won't accept a flat denial... like you can reapply if things on your credit change in 30 days.

lady... you just approved me for 2 other accounts and it's like my 10th with comenity and I don't qualify for a $250 Eddie Baur line? (In my head) because she can't even see my other comenity accounts... it's a brainless conversation.

I hope I get a survey, I hate dealing with them when it's not the computer speaking!

ps this was pre-garden app I have just been trying to follow up on... im sure the letter will show a 545 EX off who knows what made up score... my fico and plus are both over 685 for sure and I actually think they are even closer to 700

[CreditMagic7]

To be perfectly honest, since the sudden and unexpected abrupt close out of the Vitacost MC after just getting an approval only in March soured my taste on them terribly   I have approx 7 other mediocre limit store cards with them from VS $750 to $1300 Jcrew via "cart trick" that i'm prepared to jettison after one year & in the meantime have completely suspended putting in any more orders. You might say some confidence in them is been greatly eroded in light of THAT and no CLI's since with the exception of Jcrew.

[Creditaddict]

Well a Facebook message and a response providing me with the "cosnumer relations" number in a response and a quick snarky "great the same number I just had my mindless conversation with" back to them and she responded back

"Creditaddict, I actually located the information needed. It appears you applied for an Eddie Bauer account. I would be happy to send this information for a reconsideration, which may take a couple days for review. I can call you using the number listed on the credit application once I have a re-decision, would that be ok?

I told her that would be great and if they wanted to look into my relationship with them with other brands that they back the credit for too I think it would speak to my credit worthiness

Where is that cat picture holding my breath

[jamesdwi]

I thought the only reason to apply for Comenity cards is the pre-approval pop-ups, and people that don't know any better and waste a HP on them, most have high APR, the no payment for 90 days with 0%APR is nice on some of their cards, but  the customer services sucks and it takes 9 months for most people to see a CLI and even then unless you spend a lot, the CLI's are small like $200-$300 each. 

[Creditaddict]

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@jamesdwi wrote:

I thought the only reason to apply for Comenity cards is the pre-approval pop-ups, and people that don't know any better and waste a HP on them, most have high APR, the no payment for 90 days with 0%APR is nice on some of their cards, but  the customer services sucks and it takes 9 months for most people to see a CLI and even then unless you spend a lot, the CLI's are small like $200-$300 each. 

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some of what yo0u have stated is true but for small CL's and long CLI's waits you clearly have been missing all of them posted lately on the board... the 9 month wait is ont he smaller pop up cart trick cards like express, VS, and such but the others I have not found that!

[jamesdwi]

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@Creditaddict wrote:

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@jamesdwi wrote:

I thought the only reason to apply for Comenity cards is the pre-approval pop-ups, and people that don't know any better and waste a HP on them, most have high APR, the no payment for 90 days with 0%APR is nice on some of their cards, but  the customer services sucks and it takes 9 months for most people to see a CLI and even then unless you spend a lot, the CLI's are small like $200-$300 each. 

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some of what yo0u have stated is true but for small CL's and long CLI's waits you clearly have been missing all of them posted lately on the board... the 9 month wait is ont he smaller pop up cart trick cards like express, VS, and such but the others I have not found that!

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guilty i have about 5 of the smaller pop up tricks, well two of them was me being naive and actually waisting the HP to get... live and learn, now i do my best to avoid comenity cards....