Comenity Motorola question

[reno55]

Curious if anybody might know this one. Comenity offers financing on moto x phones direct from Motorola. I applied about a month ago and was denied with a 627 score. I now have gone up to 650. Does anyone know if it's worth trying again? I'm almost certain they pull EQ.

[Creditaddict]

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@reno55 wrote:
Curious if anybody might know this one. Comenity offers financing on moto x phones direct from Motorola. I applied about a month ago and was denied with a 627 score. I now have gone up to 650. Does anyone know if it's worth trying again? I'm almost certain they pull EQ.

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have not heard of this one before but score is a very small peice of the puzzle.

what other credit do you have?

what baddies?

[H4LO]

I found this on their website.

*Standard variable APR of 28.99%, based on Prime Rate. Minimum Interest charged is $2.00 per credit plan.

Really? Screw that. Not sure why you'd want that. 

[Creditaddict]

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@H4LO wrote:

I found this on their website.

*Standard variable APR of 28.99%, based on Prime Rate. Minimum Interest charged is $2.00 per credit plan.

Really? Screw that. Not sure why you'd want that. 

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You don't get a store card for the fab rates!

Does have a 0% period, or some reward structure?

[H4LO]

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@Creditaddict wrote:

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@H4LO wrote:

I found this on their website.

*Standard variable APR of 28.99%, based on Prime Rate. Minimum Interest charged is $2.00 per credit plan.

Really? Screw that. Not sure why you'd want that. 

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You don't get a store card for the fab rates!

Does have a 0% period, or some reward structure?

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Better. But what's the period? 

[Creditaddict]

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@H4LO wrote:

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@Creditaddict wrote:

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@H4LO wrote:

I found this on their website.

*Standard variable APR of 28.99%, based on Prime Rate. Minimum Interest charged is $2.00 per credit plan.

Really? Screw that. Not sure why you'd want that. 

---

You don't get a store card for the fab rates!

Does have a 0% period, or some reward structure?

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Better. But what's the period? 

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While I may not take it out for a $200 phone, I'm sure it could be a useful store card depending what you have interest in buying in the future and another positive tradeline to build credit.

That being said either this card has stricter guildelines or something else is going on they don't like on the credit because I have been approved for a few Comenity cards now with EQ pulls of 600 and 610