Questions about Comenity and soft pulls or hard….

[Apexcrest123]

Hi guys.

i have used a bunch of prequalifying sites just to see where my credit stands with banks.  Comenity is an issuer that sometimes does soft pulls, sometimes does not.  For example, I opened a Burlington store card with them some time ago, the soft pulled me and even when I accepted the offe, they never did a Hard pull on me.  It just never happened.

I called them yesterday to ask if the nfl Visa card did a soft pull. The lady on the phone said she thought it was a hp but I told her that the website only asks for the last 4 of your social during the app process, which usually indicates a SP.  she said I was right that if the application only asked for a soft pull it  MIGHT be a soft pull, she didn't know the answer though.

so my question is... if you apply for Comenity cards and you get denied, I heard it's only a soft pull if denied but a hard pull if accepted.  Does anyone know?  What's your experience with Comenity applications been?

[4sallypat]

I have the Comenity (now Bread Fianancial) AAA Auto Club and Caesar Rewards credit cards and they were both SP.

Got an invite being an Auto Club member as well as a Caesar's Total Rewards member.

Not bad for a SP - $14K SL limit on Auto Club Signature Visa and $8K on Caesar's MC.

[Apexcrest123]

Did a hard pull ever show up on any of your credit reports after you got approved?

[SouthJamaica]

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@Apexcrest123 wrote:

Hi guys.

i have used a bunch of prequalifying sites just to see where my credit stands with banks.  Comenity is an issuer that sometimes does soft pulls, sometimes does not.  For example, I opened a Burlington store card with them some time ago, the soft pulled me and even when I accepted the offe, they never did a Hard pull on me.  It just never happened.

I called them yesterday to ask if the nfl Visa card did a soft pull. The lady on the phone said she thought it was a hp but I told her that the website only asks for the last 4 of your social during the app process, which usually indicates a SP.  she said I was right that if the application only asked for a soft pull it  MIGHT be a soft pull, she didn't know the answer though.

so my question is... if you apply for Comenity cards and you get denied, I heard it's only a soft pull if denied but a hard pull if accepted.  Does anyone know?  What's your experience with Comenity applications been?

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IMHO you should just assume it will be a HP. If it turns out not to be, great.

[G2244]

I applied for the AAA Daily Advantage Visa Signature in May. Although it only asked to the last 4 of my SSN it was a hard pull from Equifax for me. I was planning on one so no biggie, but don't assume the last 4 bit means no hard pull.

[4sallypat]

No hard pull.

All SP.

Probably helped that I also have Sportsman's Guide VISA as well.