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Hey everyone!
I am wondering if anyone in here has success getting this card?
Currently, Utilization is at 12% Experian 680 Equifax 674 Transunion 694.
No inquiries, I do have a AMEX Delta gold - $1kSL.
Unfortunately, have no experience whatsover.
Curious what your interest is in it. Seems like a "meh" card to me. That and it's a Comenity card...hmmmm, can you buy a Lexus online? Maybe you can get SCT out of it.
I would personally just go for a 2% card such as PayPal MC from Sync at 2% cashback and you probably would be better off, just my 2 cents and I believe that card is issued by Comenity and their majors are typically > 700 score on EQ to obtain where-as sync esp on paypal mc is a bit more forgiving and a TU puller.
@diesel2013 wrote:Hey everyone!
I am wondering if anyone in here has success getting this card?
Currently, Utilization is at 12% Experian 680 Equifax 674 Transunion 694.
No inquiries, I do have a AMEX Delta gold - $1kSL.
I was approved for Comenity’s Toyota Rewards VISA Signature $5k SL in Nov. I don’t remember exactly what my Fico EQ was at the time. Definitely below yours. More in the 640’s-650’s range.
With that being said, a month later they closed the account because of too many recent inquiries (I think I had 5 in 12mo). I had applied for 2 other Comenity cards, within 2 weeks after that approval. A Westgate MC (approved $1k SL) and an Orbitz Visa (declined). They closed the Westgate card as well.
So, if you are going to apply, be cautious. There are a ton of horror stories, as well as great experiences with Comenity. If you have a ton of inq in the past 12mo, I’d wait. There are better options available.
Hope this helps. Good luck!