MileHigh96
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05-08-202307:22 AM
05-08-202307:22 AM
Bread Financial/Commenity pre-approval
Some of their cards you can check to see if you are pre-approved wityh just a SP and what your starting limit will be while others you just have to bite the bullet and apply and see if you get approved and get a guaranteed HP with no guarantee of approval. My question is, if you check for a pre-approval on one of their cards and it comes out positive, does that mean you would be good across their whole family of cards, or would each card be different on an individual basis for each card? Anyone have any experience with this?
BK7 discharged - 06JUL2021
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SUPERSQUID
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05-08-202309:45 AM
05-08-202309:45 AM
Re: Bread Financial/Commenity pre-approval
I am not sure about the online preapproval but I got my Bread CB card thru a preapproval mailer about about a year ago.
{ BK7 DC 12/2019 } target 2100/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000
>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
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M_Smart007
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05-08-202309:46 AM
05-08-202309:46 AM
Re: Bread Financial/Commenity pre-approval
@MileHigh96wrote:Some of their cards you can check to see if you are pre-approved wityh just a SP and what your starting limit will be while others you just have to bite the bullet and apply and see if you get approved and get a guaranteed HP with no guarantee of approval. My question is, if you check for a pre-approval on one of their cards and it comes out positive, does that mean you would be good across their whole family of cards, or would each card be different on an individual basis for each card? Anyone have any experience with this?
@MileHigh96,
My guess is that you could get a ballpark figure with checking the pre-approved status,
I don't know a ton about Comenity, but my guess is, underwriting could possibly vary amongst their many CC offerings.
You will never know for sure, unless you actually apply.
All I can offer is my $0.02's above^^^ and DP's from my Comenity AAA Visa Approval [HERE]
Ireally did not think I would get anywhere near the SCL they gave me.
Most initial Approval's I had read were well under that $ amount.
Note: I have had No issues with the card working, payments, redemptions or the website.
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Defender81
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05-09-202311:00 AM
05-09-202311:00 AM
Re: Bread Financial/Commenity pre-approval
Comenity is much like Synchrony. IME, their products don't have the same approval odds across-the-board. I currently have six Comenity cards V/S, AAA Visa, Bread Cashback AMEX, Full Beaty, Toyota, & Comenity M/C. I have applied for others w/ a no-go, such as Chevron. That being said, I had a BK7 DC in 5/20 where I burned the heck out of both banks. Comenity let me back in at two years, Synchrony at 2.5 years, I'm thankful for what they've let me have.
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Guyatthebeach
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05-09-202305:09 PM
05-09-202305:09 PM
Re: Bread Financial/Commenity pre-approval
MileHigh96,
I have a few cards with Comenity that were approved with SP's. The Toyota Visa, Sportsman's Guide Visa, Kay Jewlers card, and Good Sam's Visa were all SP's. I've gotten CLI's usually every 6 months with SP's too.
I really can't say about a bad thing about Comenity. I do remember the issues they had when they had system issues.
Guyatthebeach
Message 5 of 11
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Godsdaughter
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04-14-202411:11 AM
04-14-202411:11 AM
Re: Bread Financial/Commenity pre-approval
@MileHigh96wrote:Some of their cards you can check to see if you are pre-approved wityh just a SP and what your starting limit will be while others you just have to bite the bullet and apply and see if you get approved and get a guaranteed HP with no guarantee of approval.
Can you (or anyone else) please share what specific cards this applies to? Thank You
REBUILD TRADE LINES (as of April 2024)
|AU Discover it CC:- $25,700 [TU only]
|National Credit Direct:- $5000 (SL $500 Feb 2017) [EX only]
|Stellarfi:- $525 (SL $500 Jan 2024) [All 3 bureaus]
|Brigit Credit Builder Loan:- down to $500 (from $600 originated Dec 2023 ) [All 3 bureaus]
|Kikoff Credit Builder CC:- No CL reported [All 3 bureaus]
|CreditOne Amex:- SL $300 (April 2024) [All 3 bureaus]
|Extra Debit Card $300 (SL $100 Mar 2024) [EX and EQ only]
Total Exposure:- TU EX EQ
Total True Exposure:- TU EX EQ
Fico Scores:-
PHASE 2 GOAL CARDS
PHASE 3 GOAL CARDS
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Godsdaughter
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04-14-202411:32 AM
04-14-202411:32 AM
Re: Bread Financial/Commenity pre-approval
@GuyatthebeachwroteI have a few cards with Comenity that were approved with SP's. The Toyota Visa, Sportsman's Guide Visa, Kay Jewlers card, and Good Sam's Visa were all SP's. I've gotten CLI's usually every 6 months with SP's too.
Guyatthebeach
If you don't mind me asking:- so there were no hard pulls for these cards at all?? Were they SCT (shopping cart trick)?
REBUILD TRADE LINES (as of April 2024)
|AU Discover it CC:- $25,700 [TU only]
|National Credit Direct:- $5000 (SL $500 Feb 2017) [EX only]
|Stellarfi:- $525 (SL $500 Jan 2024) [All 3 bureaus]
|Brigit Credit Builder Loan:- down to $500 (from $600 originated Dec 2023 ) [All 3 bureaus]
|Kikoff Credit Builder CC:- No CL reported [All 3 bureaus]
|CreditOne Amex:- SL $300 (April 2024) [All 3 bureaus]
|Extra Debit Card $300 (SL $100 Mar 2024) [EX and EQ only]
Total Exposure:- TU EX EQ
Total True Exposure:- TU EX EQ
Fico Scores:-
PHASE 2 GOAL CARDS
PHASE 3 GOAL CARDS
Message 7 of 11
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CorpCrMgr1
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04-14-202411:51 AM
04-14-202411:51 AM
Re: Bread Financial/Commenity pre-approval
Back when the SCT often worked, I was a Comenity SP junkie. Approved for a number of cards (Fuel Rewards, Sportsman Guide, Buckle, Express, Overstock, NFL and A&F) all approved within a couple of weeks or so. Except for those that became defunct, I still have them all. Though I tried for a couple of more, they were HP. I declined; J, Crew was one.
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Guyatthebeach
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04-14-202412:12 PM
04-14-202412:12 PM
Re: Bread Financial/Commenity pre-approval
@Godsdaughter,
The Toyota Visa was a SP from a link on the Toyota Financial website! It started at a $2000 Visa and it's now a Signature Visa with a $14,000 limit. All the CLI's were all SP's. The other cards were SP's using the shopping cart trick.
There is a thread on myfico's forum that lists the links for several cards with SP's.
Guyatthebeach
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Godsdaughter
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04-14-202401:47 PM
04-14-202401:47 PM
Re: Bread Financial/Commenity pre-approval
@CorpCrMgr1wrote:Back when the SCT often worked, I was a Comenity SP junkie. Approved for a number of cards (Fuel Rewards, Sportsman Guide, Buckle, Express, Overstock, NFL and A&F) all approved within a couple of weeks or so. Except for those that became defunct, I still have them all. Though I tried for a couple of more, they were HP. I declined; J, Crew was one.
Thanks for your response!
REBUILD TRADE LINES (as of April 2024)
|AU Discover it CC:- $25,700 [TU only]
|National Credit Direct:- $5000 (SL $500 Feb 2017) [EX only]
|Stellarfi:- $525 (SL $500 Jan 2024) [All 3 bureaus]
|Brigit Credit Builder Loan:- down to $500 (from $600 originated Dec 2023 ) [All 3 bureaus]
|Kikoff Credit Builder CC:- No CL reported [All 3 bureaus]
|CreditOne Amex:- SL $300 (April 2024) [All 3 bureaus]
|Extra Debit Card $300 (SL $100 Mar 2024) [EX and EQ only]
Total Exposure:- TU EX EQ
Total True Exposure:- TU EX EQ
Fico Scores:-
PHASE 2 GOAL CARDS
PHASE 3 GOAL CARDS
Message 10 of 11
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