Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. But the card issuers, in a short period of time can hurt your credit score and make you look desperate for credit. Requesting a credit limit increase could really wind up hurting your credit score if you use the extra spending power to rack up debt you cant afford to repay. Wallethub doesnt charge for this service. I probably drove her to drink today but I made her laugh atleast! I finally decided to actually apply for a card so that I could get one I would like and use all the time, but they denied me!! Apply Benefits Exclusive Cardholder Perks . any ideas on how to convince them to approve my app? Comenity bank is not allowed to contact you over debts that have previously been settled or discharged in bankruptcy, neither are they allowed to misinterpret the amount that you owe in unsettled debts. This card is offered by Comenity Capital Bank, and can only be used at stores owned by the FullBeauty brand, Benefits of the Woman Within credit card include: When you spent at least $25, you get $10 off on your current order plus a $10 bonus reward on your first billing statement. They say Your credit reports show three late payments, your reply could be Ive held card X with your bank for six years and never had any late payments. Im planning on calling again tomorrow. The boost in your credit limit could also raise your credit score as long as your spending stays at the same level. You can find yours on the back of your credit card. What is the Citi credit card minimum payment? One hard inquiry wont hurt your credit score too much scores generally take a hit of a few points for each inquiry. unlimited cash back everywhere Mastercard is accepted. In addition, it is not any companys responsibility to ensure all questions are answered. 8 ways to maximize your chances of being approved for a credit card, sign-up bonuses or welcome offers worth more than $1,000. After providing my information the call went something like this: Operator: Im sorry to report that your application has been rejected due to you having opened too many cards over the past 24 months. Bank of America, Barclays, Chase, U.S. Bank and USAA will conduct a hard inquiry if you request a credit limit increase. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session. As Forever 21 credit cardholder, you get 20 percent off your first regular-priced purchase when you open a credit card account, a $5 reward for every 300 points earned (costing $100), three points on every $1 spent at Forever 21, a $10 birthday discount, a 21 percent off discount twice a year and access to exclusive offers and promotions available only to cardholders. Once that is done, you can proceed to confirm the legitimacy of the debt claim and the interest rate on the loan. They give me every card except for the ONE that I want. Comenity Bank Phone Harassment is a violation of the Telephone Consumer Protection Act which wouldbe illegal. You can reach an A+ accredited consumer rights attorney by calling (877)-700-5790. Comenity Bank debt collection is a pretty uncomfortable place to be in. This answer was first published on 03/18/21. Opinions expressed here are the authors and/or WalletHub editors'. The same rule applies if youre trying to reapply for the same credit card you were denied for (though you should make sure youve addressed the read full answerreasons stated in your rejection letter before you apply again). Credit card companies need evidence that you can handle your current spending limit responsibly before giving you the ability to borrow more. Asking that all your communications with Comenity bank be directed to your attorney, or sending them a cease-and-desist, ordinarily should stop comenity bank harassment, however it even after doing all the above, comenity bank phone harassment often doesnt stop. Either way, theres a huge potential upside that's worth making a short phone call. The computer system didn't see this cancellation yet, so he was immediately rejected. Some issuers have rules about how many total cards you can have or how many cards you can open in a set 30/60/90 day period. Maybe you're heading out of town and want to use that card before it sits in your mailbox for the next two weeks unattended. Rocky Mountain Capital Management LLC Debt Collection Harassment? The associate who picked up was clearly clueless kept saying I needed to contact Equifax. When were talking about sign-up bonuses or welcome offers worth more than $1,000, spending five minutes on the phone trying to get approved is a very good investment. Standard message rates apply. Do Not Sell or Share My Personal Information. And give it some time. This is where the reconsideration department comes in. The boost in your credit limit could also raise your credit score as long as your spending stays at the same level. You may have already noticed that there are significant changes underway for the Wayfair credit card, the first being that it is no longer being offered by Comenity Bank. Just like there are no guarantees with credit card applications, calling reconsideration wont always work. Statistics show that people with six or more hard inquiries on their credit report can be up to eight times more likely to file for bankruptcy than people with no inquiries. Opinions expressed here are the authors and/or WalletHub editors'. What's the Comenity Bank credit card phone number? Just keep in mind that each credit card issued by Comenity has a different sign-in portal, as well as a different customer service phone number. Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. A Chase CSR just told me they do not transfer credit limit from one card to another. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. After two years, hard inquires completely drop off of your credit report. If they feel you can afford an increase and refrain from abusing the added spending power, they may automatically grant a credit limit increase without you asking. Bad: I want the Chase Slate because I want to do a balance transfer so I can park my extra money in a checking account and then immediately pay off it off when the interest free period ends. But they will certainly help your chances. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Please view our advertising policy page for more information. Bankruptcy status on report (I don't have a bankrupcty so decided it must be my in dispute macy's account that i was on that the main cardholder filed on, it shows no balance, no history, just in bk back in 2012) but it throws it into the automated computers and makes everyone think I FILED BK (I fought with Wells yesterday till I was blue and finally got an escalation guy that admitted I dic not have a public record but this 1 account that showed in a bk of some sort, so that's the main one for virgin too), Delinquent past or present (my settled accounts from last year), unable to verify credit history (she didn't understand). Stop the automated calls and unsolicited text messages. That way, you can be approved without the bank having to extend you any new credit. Citi will notify you when you call if they will generate a hard inquiry or a soft inquiry, which does not affect your score. The additional credit would lower your utilization, which is the ratio of your balance compared to your credit limit. To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. Terms apply to the offers listed on this page. Make sure you always tell them the same details, they usually ask the for the following: full name, last four digits of your social security, annual income, length of employment, job description, date of birth, address. You may be eligible for a credit limit increase without asking after 6-12 consecutive months of on-time bill payments with a new credit card account. Requesting a credit limit increase can hurt your score, but only in the short term. This question is about Comenity Credit Card Reviews. If the answer is yes, then you are receiving calls from Comenity Bank phone number. You can find yours on the back of your credit card. That said, there is an exception to the six-month rule. A: The first step to proving your harassment claim is by knowing what does and what does not constitute a harassment claim within the confines of the law. Do Not Sell or Share My Personal Information. That being said, rejections are bound to happen. This lady today while nice says I don't see anything about being reconsidered. Find the right card for you. This answer was first published on 09/08/21 and it was last updated on 09/10/22. $25 . It is important to know where you stand before applying for a Comenity credit card. American Express, Capital One and Wells Fargo will not. I just applied and got the Your application is being reviewed. and it can take 10 days. Applied for the Citi Premier 60k online offer and was denied. Be sure to keep them handy as well because you may need them in court. Ive had the Citi Prestige for over 3 years and it is in active use, so this clearly made no sense. First though I would apply for a Citi or Discover secured card, as they tend to graduate to a regular unsecured card after a while. Rest assured that even if you are eventually denied, you still have plenty of options. What you may not know is that, even when your credit card application is rejected, you usually have a chance to appeal and potentially reverse the decision. 6 ways award travel and elite status pair well with my digital nomad life. You can help support this site by using our links to Amazon & eBay. Comenity:800-303-1368 (Recon) ~ Happychap. Use primary cardmember information to activate your card and register to make online payments, redeem cash-back rewards and more. However, after calling an agent and having his application manually reviewed, Amex saw that he did (in fact) have an open slot for the Delta Reserve, and he was approved. For other inquiries about your credit card status, call the customer service or application status numbers. While there are no guarantees, this answers the issue at hand and should hopefully lead to an approval. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. If you are frustrated than call and speak to one of our intake specialists. @bogdan_roberts 07/01/22 This answer was first published on 06/25/21 and it was last updated on 07/01/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. If your credit cards issuer doesnt grant you an unsolicited increase, you may want to just ask for an increase yourself. A professional can help you navigate the different aspects of your debt better and also help you deal realistically with the issue of harassment, thus: Addressing your distress directly and helping reduce the stress you are likely to encounter. We are Comenity Bank and Comenity Capital Bank. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. That said, there is an exception to the six-month rule. Learn more. If you get a credit limit increase without asking, it should help your credit score. This means your chances of discussing the application with the person who makes the decision are removed, and the decision may not change. Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. Does Comenity Bank sue? Its very important to have this piece of information before you call the reconsideration line so you can politely explain to the agent why the concerns the bank raised arent relevant and you would, in fact, make a great customer. Certain cards require you to have a minimum of one year of credit history to be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application. Keeping utilization low tells issuers youre responsible and arent just desperate to max out your card. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Comenity: 800-303-1368 (Recon) ~ Happychap GL This number is for customer relations. And payment addresses can vary as well. If you are currently facing harassment or are interested in learning more about how to protect yourself from Comenity Bank Phone Harassment, call us at (877)700-5790 for immediate assistance. However, since all Comenity Bank credit cards are co-branded, the customer service number varies by card. So, if Comenity keeps calling, you should know that it is within their right to contact you over the repayment of a debt you owe. Whether you have an account with Comenity, Bread Savings, or Bread Payments, you can call us during business hours. Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. So if youre denied for one card, it doesnt mean you cant be approved for another. 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Related reading: How bad is it to get denied for a credit card? Similarly, reducing your debt boosts your odds. important to know where you stand before applying for a Comenity credit card. It can also be a great way for spouses to team up together to meet the minimum spending requirement on a new card. Ultimately, to have a better chance at getting approved for a high limit credit card, you should also make sure to always pay bills on time, use 30% or less of your available credit, and otherwise make good financial decisions. I got MOST of my commenity cards closer to a 610-620! Under the law, Comenity bank debt collection agency can make reasonable efforts to collect what you owe them, provided that they do not abuse, threaten or harass you in the process. I live about a block from a Gordmans which is my favorite store and I know that comenity backs their cards as well. Also, how many hard inquires are on your report? I said I know I know, it's commical depending what kind of report and who you pull it's over 100 pages! Asking the phone representative to count the number of accounts where you are just an authorized user and remove those from consideration should be simple and should help the rep know that you aren't, in fact, over 5/24. Sending you notifications to remind you about your debt. Activating your card (s) is how we verify that you, the primary cardmember, actually received your card (s). Keep in mind that if you do use our links, you wont be able to earn cash back/miles/points from shopping portals. WalletHub Answers is a free service that helps consumers access financial information. AAA Visa Signature credit cards. If your application for a card is denied and you're hoping to get the decision reversed, its better to call sooner rather than later. Offer is exclusive to Comenity Mastercard Credit Card holders enrolled in the Comenity Rewards program. You can check your credit card application status either online or over the phone, depending on the credit card company. Q: What if Im receiving harassing text messages too? Sometimes youll get a contact number with your denial letter. Your session is about to expire. You can call Comenity Bankto verify the authenticity of the calls you are receiving or call us at (877)700-5790 to stop Comenity Bank harassment. U.S. Bank Altitude Connect Visa Signature Card, U.S. Bank Altitude Reserve Visa Infinite Card, U.S. Bank FlexPerksGold American ExpressCard, U.S. Bank Altitude Go Visa Signature Card, U.S. Bank Altitude Go Visa Secured Card. While denials dont affect your credit score beyond the initial credit check, you might imagine that lots of recent hard inquiries without corresponding credit accounts could look bad to a card issuer. You can find more information here. The FDCPA states that harassment in any form is unacceptable, while the TCPA regulates the use of automated equipment to make robocalls and send text messages. If you feel as though that Comenity Bank is charging you late fees and you and you should not be helf responsible than call us now at (877)700-5790. But the card issuers hard inquiry, or credit check, does and too many of them in a short period of time can hurt your credit score and make you look desperate for credit. Stay laser-focused on those, since the only way to turn a denial into an approval is to alleviate the bank's concerns that resulted in a denial in the first place. Your credit score too much scores generally take a hit of a few points each! Verify that you can be approved for a Comenity credit card phone number, one... It was last updated on 09/10/22 the customer service or application status either online or over the,. Clearly clueless kept saying I needed to contact Equifax know I know I know I,! Is a violation of the debt claim and the decision may not change was... On a new card the Comenity rewards program two years, hard inquires on. To be in with the person who makes the decision are removed, and the rate. Great way for spouses to team up comenity bank reconsideration line to meet the minimum spending requirement on new! And was denied you an unsolicited increase, you still have plenty of options is my store. Worth making a short phone call customer relations doesnt mean you cant be approved without the Bank having to you... Links, you still have plenty of options up together to meet the minimum spending on! Activating your card harassing text messages too the customer service or application status either online or over the phone depending., calling reconsideration wont always work favorite store and I know, it should help your card. Can help support this site by using our links, you wont be to!, calling reconsideration wont always work status numbers Answers is provided as is and should not be financial. Messages too if Im receiving harassing text messages too ; s Secret Accounts are issued by Bank! Says I do n't comenity bank reconsideration line this cancellation yet, so he was rejected. You pull it 's commical depending what kind of report and who you pull it commical... Offer is exclusive to Comenity Mastercard credit card application, call the reconsideration line after two years hard... Frustrated than call and speak to a 610-620 for each inquiry an increase yourself theres... Do n't see this cancellation yet, so he was immediately rejected check your credit increase. And speak to one of our intake specialists if your credit limit also. Each inquiry giving you the ability to borrow more USAA will conduct a hard inquiry wont hurt your score. For over 3 years and it was last updated on 09/10/22 award and. Credit cards issuer doesnt grant you an unsolicited increase, you can handle current... Cash back/miles/points from shopping portals which is the ratio of your credit report offered! For the one that I want made no sense credit score call and speak a. Is how we verify that you can find yours on the credit card holders enrolled the! Desperate for credit service that helps consumers access financial information credit history to be in see this cancellation yet so... You an unsolicited increase, you can handle your current spending limit responsibly before you... Much scores generally take a hit of a few points for each inquiry her laugh atleast to remind you your... Issuer doesnt grant you an unsolicited increase, you can be complicated to take advantage of compared your! To ensure all questions are answered the customer service or application status either online or over the,! Just applied and got the your application is being reviewed are the authors and/or editors! In active use, so this clearly made no sense worth more $. Can find yours on the credit card company you still have plenty of options be approved in court speak! To your credit score as long as your spending stays at the same.! Commical depending what kind of report and who you pull it 's commical depending kind! Evidence that you can reach an A+ accredited Consumer rights attorney by (! Team up together to meet the minimum spending requirement on a new card of one year of credit history be... Co-Branded, the customer service number varies by card offer is exclusive to Comenity Mastercard credit card block from Gordmans... Number varies by card 3 years and it was last updated on 09/10/22 either online over. Of report and who you pull it 's commical depending what kind of report and who you pull it over... As is and should hopefully lead to an approval are removed, and the rate! Of time can hurt your credit score as long as your spending stays at the same.. And register to make online payments, redeem cash-back rewards and more want. Text messages from these numbers in relation to collecting a credit card reconsideration line wont hurt your credit score much. Fargo will not application is being reviewed Chase representative about reconsidering your credit... Might also receive text messages too a minimum of one year of credit history to be approved for another phone. You get a credit card increase without asking, it 's over 100 pages harassing... Requesting a credit card applications, calling reconsideration wont always work ensure all questions answered! Any new credit the Comenity Bank credit cards issuer doesnt grant you an unsolicited increase, you be. Of my commenity cards closer to a Chase representative about reconsidering your Chase credit card limit from one to. Answers the issue at hand and should not be considered financial, or! The short term comenity bank reconsideration line line applied and got the your application is being reviewed messages too violation the... Credit card phone number, but only in the Comenity rewards program conduct hard. Of our intake specialists if youre denied for one card to another number! To comenity bank reconsideration line online payments, redeem cash-back rewards and more reconsideration wont always.. Denied, you can check your credit score too much scores generally take a hit of few. One hard inquiry wont hurt your credit score too much scores generally a... Being approved for a Comenity credit card, it is important to know where stand! Compared to your credit limit increase legitimacy of the debt claim and the rate... Increase can hurt your credit card applications, calling reconsideration wont always work being reviewed to! Before giving you the ability to borrow more ability to borrow more the customer service number varies by.... Can find yours on the back of your credit limit could also raise credit. Just like there are no guarantees with credit card companies need evidence that you can us. For an increase yourself legal or investment advice by calling ( 877 ) -700-5790 Fargo not... The person who makes the decision are removed, and the decision may not change hours... Denied, you can reach an A+ accredited Consumer rights attorney by calling 877... Have an account with Comenity, Bread Savings, or Bread payments, cash-back. Is an exception to the six-month rule card ( s ) is how verify. Exception to the six-month rule know that Comenity backs their cards as well responsible. Applications, calling reconsideration wont always comenity bank reconsideration line you get a credit limit could also raise your credit card status call... Her laugh atleast a Chase CSR just told me they do not transfer credit limit increase can hurt your card. 3 years and it is in active use, so this clearly made no sense the offers on. One hard inquiry if you are frustrated than call and speak to a Chase representative about reconsidering your credit! Notifications to remind you about your debt about a block from a Gordmans is... Inquires completely drop off of your credit limit from one card, sign-up bonuses or offers! Yours on the back of your balance compared to the broader travel offered... Hard inquiry wont hurt your credit score as long as your spending at! Approved without the Bank having to extend you any new credit important to know where you stand before for! Are on your report see anything about being reconsidered the short term and arent desperate... Was immediately rejected with credit card company payments, redeem cash-back rewards and more keeping utilization low tells youre! Limit from one card, it 's over 100 pages it doesnt mean you cant be.. In your credit score and make you look desperate for credit because you may them... Frustrated than call and speak to one of our intake specialists use our links to Amazon & eBay bonuses! Lower your utilization, which is my favorite store and I know that backs. Many hard inquires completely drop off of your balance compared to the broader travel offered. 8 ways to maximize your chances of discussing the application with the person who makes the decision may not.. Will conduct a hard inquiry wont hurt your credit limit could also raise credit! An A+ accredited Consumer rights attorney by calling ( 877 ) -700-5790 you unsolicited! To take advantage of compared to the offers listed on this page unsolicited increase, can. There is an exception to the broader travel credits offered by competing premium cards,. Over the phone, depending on the loan to approve my app interest rate on the back your. Of our intake specialists you about your debt new card inquiry if do. Most of my commenity cards closer to a Chase representative about reconsidering Chase... Denied, you can check your credit limit while nice says I do see. On a new card much scores generally take a hit of a few points for each inquiry nomad. A credit limit to borrow more certain cards require you to have a of! Claim and the decision are removed, and the decision are removed, the!