Comenity seems to love me. I get the pre approved pop up on almost all of there sites. They even mail me pre approved letters for some of their cards. I have quite a few comenity cards now which are all in good standing.
I love my comenity cards, but most of them are not from stores I use very often. I live about a block from a Gordmans which is my favorite store and I know that comenity backs their cards as well. I finally decided to actually apply for a card so that I could get one I would like and use all the time, but they denied me!!
Feeling sad about my denial, I thought I would see if the shopping card trick would still work for me and it did.... Coldwater creek gave me a $750 limit! (which is MUCH high than the limits on all my other cards)
So whats the deal with comenity? They give me every card except for the ONE that I want. Is there a number I can call to get a recon?
According to the backdoor thread.
Comenity: 800-303-1368 (Recon) ~ Happychap
GL
12/19/19 
06/11/20 
07/02/20
Giving that # a call now. Anyone know if comenity does recons?
Got my letter and called back... got Lynn again (I ended up really laughing with her and really like her EVEN though she wouldn't overturn it still)
but anyway:
it's their own internal EX which I have not got with them before and didn't really like that but whatever.
says denied because:
Bankruptcy status on report (I don't have a bankrupcty so decided it must be my in dispute macy's account that i was on that the main cardholder filed on, it shows no balance, no history, just in bk back in 2012) but it throws it into the automated computers and makes everyone think I FILED BK (I fought with Wells yesterday till I was blue and finally got an escalation guy that admitted I dic not have a public record but this 1 account that showed in a bk of some sort, so that's the main one for virgin too)
Delinquent past or present (my settled accounts from last year)
unable to verify credit history (she didn't understand)
limited credit experience (consider it stupid... I told her these last 2 are why I HATE these letters and being told to wait for them like they will make evedrything clear as day because they are computer generated... she agreed this didn't make sense as she said with a giggle that I HAVE PAGES AND PAGES OF ACCOUNTS THAT JUST GO ON AND ON... I said I know I know, it's commical depending what kind of report and who you pull it's over 100 pages!
in end she thought i was funny how I tried to swap my other comenity limits to open just a small virgin limit and that I knew all the tricks and sceams to get all kinds of commenity cards in a matter of seconds but to truly try to not take them and wait just a bit and then go after this one again (once the macy's thing is gone too!)
she also said i know it can be fustrating with the different underwriting with same bank.... I joked and said something about my huge $2800 Pottery Barn limit was calling me to do some shopping since I can't even get $500 on Virgin... she said "Don't make me close it down on you"
Me- GASP
her "JK!"
I pulled a fresh new EX credit tracker report while on phone with her and actually gave her the macys info which seems like if she couldn't find it herself why she wouldn't approve me but I just can't figure out if they have the power or don't have the power to do that...
I told her thanks for talking to me again this time, I felt better now. and she actually said it was a pleasure speaking to me this time and to have a good night.
I probably drove her to drink today but I made her laugh atleast! 
also like scores, and what passes and doesn't pass on reports depending who your applying for... same goes for INQ's (she wouldn't give me an excact number but clearly virgin is more sensitive since my last approval was a comenity backed card with all the inq's and it wasn't a problem! this virgin seems to be the toughest!
@Creditaddict wrote:Got my letter and called back... got Lynn again (I ended up really laughing with her and really like her EVEN though she wouldn't overturn it still)
but anyway:
it's their own internal EX which I have not got with them before and didn't really like that but whatever.
says denied because:
Bankruptcy status on report (I don't have a bankrupcty so decided it must be my in dispute macy's account that i was on that the main cardholder filed on, it shows no balance, no history, just in bk back in 2012) but it throws it into the automated computers and makes everyone think I FILED BK (I fought with Wells yesterday till I was blue and finally got an escalation guy that admitted I dic not have a public record but this 1 account that showed in a bk of some sort, so that's the main one for virgin too)
Delinquent past or present (my settled accounts from last year)
unable to verify credit history (she didn't understand)
limited credit experience (consider it stupid... I told her these last 2 are why I HATE these letters and being told to wait for them like they will make evedrything clear as day because they are computer generated... she agreed this didn't make sense as she said with a giggle that I HAVE PAGES AND PAGES OF ACCOUNTS THAT JUST GO ON AND ON... I said I know I know, it's commical depending what kind of report and who you pull it's over 100 pages!
in end she thought i was funny how I tried to swap my other comenity limits to open just a small virgin limit and that I knew all the tricks and sceams to get all kinds of commenity cards in a matter of seconds but to truly try to not take them and wait just a bit and then go after this one again (once the macy's thing is gone too!)
she also said i know it can be fustrating with the different underwriting with same bank.... I joked and said something about my huge $2800 Pottery Barn limit was calling me to do some shopping since I can't even get $500 on Virgin... she said "Don't make me close it down on you"
Me- GASP
her "JK!"
I pulled a fresh new EX credit tracker report while on phone with her and actually gave her the macys info which seems like if she couldn't find it herself why she wouldn't approve me but I just can't figure out if they have the power or don't have the power to do that...
I told her thanks for talking to me again this time, I felt better now. and she actually said it was a pleasure speaking to me this time and to have a good night.
I probably drove her to drink today but I made her laugh atleast!
also like scores, and what passes and doesn't pass on reports depending who your applying for... same goes for INQ's (she wouldn't give me an excact number but clearly virgin is more sensitive since my last approval was a comenity backed card with all the inq's and it wasn't a problem! this virgin seems to be the toughest!
I'm sorry to hear that they couldn't change their mind. I was really hoping you would be able to get this card, I know how much you wanted it!
I know their justification have been all over the place. Is Lynn an analyst / EO team? Was it the same number as posted earlier that you called? And how many inquiries did you have when you apped for this card? On EQ was it? How much longer until this BK item fall off? In due time my friend!