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Thank you for discouraging me @FinStar! I never would have tried Citi. I thought for sure that their 6/6 rule would kill me on a double pull since EX alone has 6/6.
Yeah, no need to deal with Comenity now.
@FinStar wrote:
Actually, given the recent approvals and his overall profile + income, he's done pretty good. If this is one of his hobbies, so be it.
To add, it is highly doubtful he'll experience AA from any other lenders in his signature.
Agree his current lenders are probably fine. I just meant if applying for a Comenity card after multiple new inquiries/accounts....that can be a risk.
At the end of the day though, if it's worth the risk, go for it. Worst case scenario the card is shut down and you are at the same place you were before you got the card, except a HP and AAoA ding. If you can live with that risk go for it.
@FinStar wrote:
I mean, one thing to consider and for all we know, you *could* be ok. Is there a risk? Absolutely. It just depends on your risk tolerance.
Personally, I want the IKEA Visa and I've also considered the WS as well (thanks @CreditCuriosity 😁). But, given I've just added a few new accounts in the past 24-72 hours, that wish sailed away and I'm ok with that. I'd rather wait (whatever it takes) than risk having AA on all my existing Comenity accounts 😉
Having accounts closed by the lender is really no big whoop honestly. I understand the cosmetic aspect of what a CR might display and I get it's a matter of preference, but with as many accounts as I have (or had), it's never come up in the 30+ manual reviews or conversations that I've dealt with UW including the strictest of lenders.
I went looking for threads and jeopardized my most excellent gardening skills in Approvals for nothing ☹
@Remedios wrote:
@FinStar wrote:
I mean, one thing to consider and for all we know, you *could* be ok. Is there a risk? Absolutely. It just depends on your risk tolerance.
Personally, I want the IKEA Visa and I've also considered the WS as well (thanks @CreditCuriosity 😁). But, given I've just added a few new accounts in the past 24-72 hours, that wish sailed away and I'm ok with that. I'd rather wait (whatever it takes) than risk having AA on all my existing Comenity accounts 😉
Having accounts closed by the lender is really no big whoop honestly. I understand the cosmetic aspect of what a CR might display and I get it's a matter of preference, but with as many accounts as I have (or had), it's never come up in the 30+ manual reviews or conversations that I've dealt with UW including the strictest of lenders.
I went looking for threads and jeopardized my most excellent gardening skills in Approvals for nothing ☹
LMAO They'll be posted soon. You caught me in the middle of the MF trucks clean up
Sorry @Anonymous for the the thread hijack