Some cards are store specific, which means you can only use them at the namesake store. Skip to footer Skip to main content Download Adobe® Acrobat Reader to view PDFs. I assumed that with a pre-approval and only being asked for the last 4 digits of SSN that it would have been a soft inquiry like Victoria’s Secret and the Ann Taylor. I do not have the world’s best credit but it is not the worst either. I will have to say not to trust Comenity bank, especially if you are trying to build credit. They act like they don’t care about you or themselves. Comenity Bank is a major credit card company that has 93 credit programs for many top U.S. retail stores, focusing heavily on store-branded credit cards. I applied for an Ulta credit card to get better perks. Another bonus for use outside of BJ’s is the 2% back on all dining purchases and 1% back on all other purchases. The best way to find out is to call Comenity Bank directly: https://about.comenity.net/contact. This credit card program is … Navigate to the “Payments” section and add your bank account and routing number. Thanks for the continuous support and for following Upgraded Points! Get fast credit repair online, NOW! The Comenity Bank credit cards with the highest rate of approval are those that can be applied using the shopping cart trick. Prior to my retirement I was in a high cash flow business and I had no need for credit of any kind. My credit score went up and then back down, as having new credit and inquires hurt you in the beginning. I’ve had nothing but positive interactions with them!! If there are any individuals viewing this posting, use the resources here and carefully plan out your credit profile and MAKE YOUR PAYMENTS ON TIME, and all will be well. Also appears that the Sony VISA isn’t listed either. STAY FAR AWAY = do not use any store’s credit card that uses Comenity. Comenity recommends calling the phone number on the back of your credit card to connect you with an appropriate representative. Overstock pre-approval pop up, but hard pull July 2020. They will extort you! When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. Roaman’s is a plus-sized fashion retail store in the FULLBEAUTY brand along with Brylanehome. I hope that my comment helped. They don’t want to hear your side of your story if a mistake has been made with your credit card. Hot Tip: This card offers great earning rates, especially if you shop and get gas at BJ’s, It also provides some nice offers for purchases outside of the store. Thanks! Crate and Barrel confirmed hard pull even though it only asks for the last 4 of the SSN. Instead I am advised via email to go to your website where, at first, I was told that a text message was sent to my phone. Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Thanks for reading! Please be advised that we are not, nor do we have any affiliation with Comenity Bank. Enter your card's brand name below and we'll direct you to the account center login page. Comenity sucks! Wayfair, overstock, old navy, with limits over 8000. Did you end up with a hardpull for VS and Ann Taylor? Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. For questions about a credit program with the unique benefits and exclusive offers from a brand you love. Was going to purchase from Pier 1 on line and a pre-approval popped up. You have continued to waste my time. The sad part is yes they did lower my score some but if comenity back decides to decrease my limit on all the cards my score will be lower than when I first started rebuilding. This needs to stop. I even tried the ones that people have said work for sure such as Wayfair, Overstock, J Crew, and nothing. Got Harley Davidson approval last week for hubby for $23,000 with 3.9%. I’ve been approved for an Express credit card with a 25k limit & I been approved for a Full Beauty credit card for 250 bucks! Plus, it comes with no annual fee. Use this card at grocery stores and gas stations to earn 2 rewards points per dollar spent. They have helped get other store and bank cards. People do. No responsibility will be taken by the bank advertiser for these comments. From what I’ve read on MyFico forums, the Shopping Cart Trick doesn’t work anymore and people are reporting hard pulls from Victoria’s Secret and ever other Comenity card ever since October 2018. I noticed that this card was also from Comenity so I came onto this site to check to see the sister cards. They are truly bad business for the creditors. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. I am thankful that they approved me when no-one else would! This credit card program is unavailable to California residents. Closed accounts wreak havoc on credit scores. This site does not include all credit card companies or all available credit card offers that are on the market. In general, it’s fairly easy to get approved for a Comenity Bank-backed card. All Rights Reserved. I have a Victoria’s Secret and Ashley Stewart card and got approved easily but when I tried to apply a couple months later with New York and company it said they needed to further review my application and I will hear back with in 10 days. For every 200 points you earn, you earn a $10 reward, which comes out to 5% back. The Gamestop Credit Card offers a signup bonus of 5,000 points (15,000 if you’re a PowerUp Rewards Pro member) after your first purchase. We take your comments very seriously as they really help us to improve the site. Comenity Bank is a financial services company that offers credit cards through national retail chains to consumers around the country. Both with limits of 250. Be aware of the deadline for deferred interest options, as you must pay the balance in full at the end of your plan or all the interest waived during the promotional period will be applied. They called from the store, but no one would tell them why. That’s why we invest so heavily in our Customer Care Centers. Comenity Bank offers a lot in terms of quantity, with a wide range of store-branded cards specifically targeting and benefiting loyal retail customers. Don’t fall for their “easy acceptance” for credit! FREE SHIPPING: Limited to standard shipping. Just make sure to remember to wait until you are billed before sending in a payment. 90-Day Money Back Guarantee. I started out with Victoria secrets at $350 with shopping cart trick. Claudine, I did the same thing when I first opened my account; I made a payment before the card cycled, (before the bill was sent). Too many credit card applications can negatively affect your credit score. Hi, is American Express under Comenity bank? I will not call it to deal with this company again. I will be cancelling my charge account with J.Jill. Same thing happened to me. What a scam and these large corporations should be held accountable for working with third party vendors with less than legitimate business practices. Comenity Bank offers about 15 retailer-specific smartphone apps, including Loft Card, The Ann Taylor Card, and Crate & Barrel Card App. I know sometimes they take some time to show. I applied and was approved for a New York and Company Card with a limit of 400. Join their loyalty program (some people find more success skipping this step and just checking out as a guest) 3. They never updated my address so I could receive their mail. I completely agree with this statement. TransUnion 800-680-7289 www.transunion.com Equifax 800-525-6285 www.equifax.com Experian 888-397-3742 www.experian.com; Review your credit report. I was pre-approved and applied for both. $15 OFF FIRST PURCHASE: Application and approval must occur same day to receive the offer. I’ve had my cards for years and I have yet to have this problem… and they really have helped my credit. The Wayfair Credit Card doesn’t have an annual fee. Dealing with customer service can be frustrating to say the least – hoping you get it figured out. You must use rewards at BJ’s within 6 months of being issued. You can simply read the piece again or search for “shopping cart trick” via Ctrl-F. I applied for a card at Victoria’s Secret on Saturday, Aug 3, 2019 and to my disbelief I was turned down. Minimum interest charge is $2 per Credit Plan in any billing period in which interest is due. Full List of Comenity Bank Credit Cards. Do I click on the store’s name from the above list or go directly to their website? From the fine print: Sony Visa® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license. You will receive exclusive reward offers just for cardmembers and free shipping on all orders that include bras when using the JUST4ANGELS promo code and your Victoria’s Secret Angel Credit Card. See a Team Member or visit academy.com/instore-services for list of in-store services. No credit ) to 5 % cardmember discount your comments very seriously as they really help us to improve site! 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