There are also options for fast card approvals that also have superior rewards, if time is a factor. If 0% interest credit cards for up to 15 months are of interest to you, we’ve compiled a list of cards which are generally more rewarding than the store credit cards listed below. Note: Many of these cards charge extremely high interest rates. If they issue a card for a store you shop at frequently, their credit card rewards program is worth the look. While Comenity Bank’s cards don’t typically offer large sign-up bonuses, they tailor their rewards programs and bonuses specifically for the customers of their retail partners. If it asks for just the last 4 digits, it is less likely to result in a hard pull.Ĭomenity Bank offers lots of different credit cards, mostly stored-branded cards, that may offer easy approvals without a hard pull on your credit report using the shopping cart trick. If the offer requires you to input your full Social Security number, it will likely result in a hard pull on your credit report. The trick to getting the offer is to not opt out of promotional credit card offers and ensure that your pop-up blocker is turned off. Known as the shopping cart trick, a credit card offer from Comenity Bank may pop up with an incentive to apply as you’re online shopping with a retailer partnered with the bank. You can obtain some Comenity Bank cards without a hard pull on your credit report, which significantly increases your chances of approval. Easy approval can be attractive if you’re working on building or repairing your credit. While Comenity Bank isn’t a household name like some other credit card companies, they have more than 50 million cardholders.Ĭards issued by Comenity Bank are generally easy to get approved for even if your credit score is lower than average. retail stores, focusing heavily on store-branded credit cards. I'll update once I receive the letter in the mail confirming the removal of the late payment.Comenity Bank is a major credit card company that has 92 credit programs for many top U.S. I've set alarms on my phone to make sure I pay two days in advance, and this will not happen again! Thank you!" Please give me a chance to have my perfect paying history back. And, I in fact didn't miss a payment for the 30 days, I actually did pay in July. I really do believe in having a good payment history and if you look at my records, I have no other missed payments. I'm writing today to ask for your forgiveness for my mistake. I did however make sure to pay July 21, 2019, but I still was shown as a missed payment on all three credit bureaus. In the mist of moving I believe I forgot to pay on my due date. But, in July 2019 I had a missed payment. It's really been a privilege to be able to do business with your company and I would like for it to continue and for me to continue to prove my value to you as a customer. "Hello, my name is X X I'm writing you today because I am a customer of your Victoria's Secret store card. I also provided a screenshot showing I havent missed any other payments. Here is what I wrote for my GW letter, it's simple and to the point. Thank you for being a valued card member. You will receive a decision from us, the same way your request was received. Once we have received your request, by one of these methods, a member of our Credit Bureau Disputes team will review your request and the account. I have included the mailing address and the website needed to submit your request. You will need to log into your online accounts to access the SMC tool. Your request would need to be received either by mail or via our Secure Messaging Center. I just called and the lady was able to remove the missed payments and is mailing me a letter stating it has been updated from deliquent to no missed payments. So, I followed up and the auto responder said to call in. I was told I'd get a response within 2 business days, I received a response the next day, but it stated they'd forward the message and I'd get a response in another 2 business days, and I never did. I sent a message on FB, they stated I could mail in a response or used the secure message system online, so I sent it throught the secured portal. It's from July 2019 30 days, I missed June's payment then paid the end of July. I have one missed payment on my report and my score took a major hit.
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