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Comenity Closed My Accounts

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Anonymous
Not applicable

Comenity Closed My Accounts

NUTS NUTS.... I opened 5 Commenity accounts in one day.  All closed within two weeks.  Too much inquiry?  Got too greedy?  

 

Toyoyta Visa hard pull  $5000

Sportsman Guide Visa soft pull/shopping cart trick  $3000

Camping WOrld Visa hard pull $1500

Overstock Credit Card soft pull/shoppping cart trick $3000

ZALES $2500 HARD PULL

 

$15000 credit gone!!!  

 

Here's what I had prior to the cards above (credit usage 31%):

Chase Freedom $3500

JC Pennys $4500

Applied Bank $425

Secured Capitol One Platinum MC $500

 

TU 720, EQ 720, EX 650

 

Not only did I get all my Comeninity Cards taken away.  For applying my scores went down to:

TU 683, EQ 683, EX 637

 

Would Comenity taken away all my cards had I applied for one instead of 5?   I suppose I can try again in 6 months?

 

 

Message 1 of 17
16 REPLIES 16
UpperNwGuy
Valued Contributor

Re: Comenity Closed My Accounts w/ Balance - QUESTION please? UTI Effect?


@Anonymous wrote:

NUTS NUTS.... I opened 5 Commenity accounts in one day.  All closed within two weeks.  Too much inquiry?  Got too greedy?  

 

Toyoyta Visa hard pull  $5000

Sportsman Guide Visa soft pull/shopping cart trick  $3000

Camping WOrld Visa hard pull $1500

Overstock Credit Card soft pull/shoppping cart trick $3000

ZALES $2500 HARD PULL

 

$15000 credit gone!!!  

 

Here's what I had prior to the cards above (credit usage 31%):

Chase Freedom $3500

JC Pennys $4500

Applied Bank $425

Secured Capitol One Platinum MC $500

 

TU 720, EQ 720, EX 650

 

Not only did I get all my Comeninity Cards taken away.  For applying my scores went down to:

TU 683, EQ 683, EX 637

 

Would Comenity taken away all my cards had I applied for one instead of 5?   I suppose I can try again in 6 months?

 

 


In answer to your first question, they would not.  Five apps in one day scared the you-know-what out of them.  Don't try again.

Daily Carry: PenFed Power Cash • NFCU Flagship • NFCU More Rewards • Chase Freedom
Sock Drawer: PenFed Promise • NFCU cashRewards • Chase Sapphire Preferred • Chase Freedom Unlimited • United Explorer • UNFCU Azure
Message 2 of 17
Anonymous
Not applicable

Re: Comenity Closed My Accounts

@Anonymous

 

I moved tour your post to its own thread so that you can get replies specifically to your situation.

Message 3 of 17
trant3
Established Contributor

Re: Comenity Closed My Accounts

5 new cards is overboard. Stay away from commenity

Amex Bonvoy Brilliant $16.5k, Fidelity $23.5, FNBO $15k, US Bank Cash+ 15k, US Bank Alt. Reserve $16k, Affinity FCU $10k, Sofi $15k, Venmo Visa $15k, AAA $11.9k, Apple $8.5k, Citi Custom Cash $18k, Citi Double Cash $15k, Citizens Bank Cash Plus $11k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $1k, Amex BCE $3k, AMEX Hilton Surpass $10k, Chase Freedom $41.5k, NFCU Plat $50k, NFCU Cash $30k, Discover IT $36.5k, Discover Miles $20k, BECU Visa $40k, Wells Fargo Active $11.3k, PenFed Promise $15k, PenFed Gold $20k, BoA AmeriCard $14k, BoA Cash $14k, Jovia FCU Visa $25k, Citi SYWM $1k
Message 4 of 17
Creditaddict
Legendary Contributor

Re: Comenity Closed My Accounts

For some reason it only seems to be the Visa's, you can do 3 or 4 store cards of theirs with no issue in one day and all with SP's. you would think the system with taking HP's could fix this situation before they approve if it's such an issue to them! They are the dumbest bank sometimes with some of the shadiest acts but they can also be the most fun to play with the crazy computer system... I mean when you can have $30k on a store card that you have spent $6 on or a $30k+ Jcrew card the bank is wack! Smiley Tongue

Message 5 of 17
Anonymous
Not applicable

Re: Comenity Closed My Accounts

The real,question if you have 720'scores and have approved by a major bank like Chase why are you messing with comenity Visa cards. With 720 TU get a Barclays or Bank of America card.  With 720 equifax get a PenFed card.  

Message 6 of 17
pizza1
Community Leader
Super Contributor

Re: Comenity Closed My Accounts


@trant3 wrote:

5 new cards is overboard. Stay away from commenity


Yep...its best to leave that kind of shot gun apping to the pro's Smiley Wink  lol

Message 7 of 17
pizza1
Community Leader
Super Contributor

Re: Comenity Closed My Accounts


@Creditaddict wrote:

For some reason it only seems to be the Visa's, you can do 3 or 4 store cards of theirs with no issue in one day and all with SP's. you would think the system with taking HP's could fix this situation before they approve if it's such an issue to them! They are the dumbest bank sometimes with some of the shadiest acts but they can also be the most fun to play with the crazy computer system... I mean when you can have $30k on a store card that you have spent $6 on or a $30k+ Jcrew card the bank is wack! Smiley Tongue


+1...CA beat me to the punch.  

 

Sorry that happened to you OP, but Comenity doesnt like app spress on the major cards...The dont even like a one app much less 5 in one day. They have really cracked down hard the last 2 years, even on their store cards. Next time do some research on the forums before going on sprees, we could have told you not too, and the 95% chance you'd be approved, but shut down within a few weeks later. 

Message 8 of 17
Anonymous
Not applicable

Re: Comenity Closed My Accounts

Pages of Commenity credit cards in baseball card binders is soooooo 2015.
These credit card boards are so popular these days it would not surprise me that employees are all over these things. Some of us probably use the same username as our credit card logins.
Let's get super paranoid so every time we brag about a credit limit increase skew the numbers they don't match our real lives
Message 9 of 17
fltireguy
Valued Contributor

Re: Comenity Closed My Accounts

Sorry OP
with your scores, you should be able to get some good cards though (when they recover)
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 10 of 17
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