The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Apply for a credit card with a high starting limit: typically require good or excellent credit. To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. Thank you so much! If Comenity collections are calling you with information about a debt that you do not owe or that you do not remember acquiring, here are a few things that you should do: If you keep facing Comenity bank phone harassment from an unknown number, then it is very likely that you may be a victim of Community bank scam calls. Ive found that in this situation these companies can be extremely slow to respond, and sometimes once they do respond it is too late and now it is too late to send supporting documents which they could have used. Interested in more credit card news and advice from The Points Guy? When You Use Your Caesars Rewards Visa Credit Card 10,000 Reward Credits and 2,500 Tier Credits when you spend $1,000 outside of Caesars Destinations within 90 days of account opening 1 Earn 5,000 Tier Credits after spending $5,000 in a calendar year 2 When people first call these lines they can be a bit nervous so we've compiled a bunch of tips below to help you get through. Victoria's Secret Accounts are issued by Comenity Bank. Although the card offers enticing benefits, it operates based on deferred interest which can be quite expensive. For more information on these changes, visit BJsOne.capitalone.com. 6 ways award travel and elite status pair well with my digital nomad life. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. Start shopping, earning and saving right away. Now will be the best time to get your attorney involved if you are facing non-ending harassment from the Comenity phone calls you receive, despite making several attempts to get them to stop. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 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. If your credit cards issuer doesnt grant you an unsolicited increase, you may want to just ask for an increase yourself. As soon as the online application is rejected or Wait until the rejection letter comes ? Falsifying paperwork that scares you into believing that your debt is now a police or court matter is an offense. You can reach an A+ accredited consumer rights attorney by calling (877)-700-5790. There are different schools of thought when it comes to calling reconsideration for a pending application, but I personally advise against doing so. 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. Feeling sad about my denial, I thought I would see if the shopping card trick would still work for me and it did. Coldwater creek gave me a $750 limit! To start off, issuers only use a soft inquiry (which does not affect your credit score) for this type of increase. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Contact our office right away so we can start the process to stop Comenity Bank from calling you illegally. @WalletHub 03/18/21 This answer was first published on 03/18/21. Writing a cease and desist letter is a skill that requires specific knowledge and due to the technicalities involved, we usually advise that you hand the process over to a qualified consumer rights attorney to do it on your behalf. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. You can get a Comenity Bank credit limit increase by calling the number on the back of your credit card or by reaching Comenity Bank's general customer service department at (855) 796-9632. 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. When your credit card application is denied, on your credit report. This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more. How bad is it to get denied for a credit card? 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. 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. Seams like for me store card I het with a low limit, 250 to 350 were as Sportmens Guide 1k with a 690 EQ and Vitacost Mastercard 7.5k with an EQ 719, about two mounts apart. on what to do if your credit card application is denied. That said, there is an exception to the six-month rule. How to get a credit limit increase without asking: These steps wont guarantee you a credit card limit increase without asking. Pay off the card you want the higher limit on fully each month. card, you are automatically provided with an easier way to pay your bills. 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. The sooner you get one and start using it responsibly, the better for your credit. Check your records with the credit bureaus. The calls can be from different phone numbers and still be Comenity Bank calling you. Similarly, if you recently received an increase on an existing account, expect to wait at least six to 12 months before youre considered for another increase, assuming you manage your account responsibly in the meantime. Debt collectors cannot collect interest or fees that are above the debt they owe if this amount is not sanctioned by the law. And in the long term, a limit increase has the potential to bring your score higher. You can also apply for a specific Comenity Bank credit card in the store that it is linked to. Does Comenity Bank sue? The high annual fee is only worth it if youre taking full advantage of the cards benefits. American Express has lately used a system where the phone rep you speak to will simply resubmit your application with a sentence or two of notes, asking for it to be reevaluated. Stopping Comenity bank phone calls is very possible; the process is made miles easier with the right team of debt collection professionals on your side. Reconsideration works best when the application has incomplete data (in the case of our authorized user example above) or when the reason for the rejection is more subjective. Comenity:800-303-1368 (Recon) ~ Happychap. Keeping utilization low tells issuers youre responsible and arent just desperate to max out your card. The CSR told me they dont look at your number, but whats on the report and how you use their accounts. They kept telling me, Yeah, were a historically more conservative bank.. Opinions expressed here are the authors and/or WalletHub editors'. So if youre denied for one card, it doesnt mean you cant be approved for another. . IKEA Visa credit card. When You Use Your Victoria's Secret Credit Card . WalletHub Answers is a free service that helps consumers access financial information. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Improve earnings, maximize rewards and track progress toward dream trips. By using the Comenity bank Victoria Secret card, you are automatically provided with an easier way to pay your bills. What credit bureau does TD Bank use for approval? are accepted. You are entitled to a debt validation letter; ask for it. Called chase reconsideration line and was told that i have too many CC with them (I only have SLATE and now IHG). it's their own internal EX which I have not got with them before and didn't really like that but whatever. However, applicants must be over the age of 18 to be granted this card. What is the easiest U.S. Bank credit card to get? A: Your consumer rights are protected under Acts such as the FDCPA and TCPA. 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. And give it some time. @evelyn_boros 09/10/22 This answer was first published on 09/08/21 and it was last updated on 09/10/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Whether you have an account with Comenity, Bread Savings, or Bread Payments, you can call us during business hours. On EQ was it? 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. Hard inquiries can stay on your credit report for up to two years, and they can affect your credit score for one year. The easiest way to contact your card issuers reconsideration department is to simply call the main customer service line and ask to be transferred to reconsideration. Does requesting a credit limit increase hurt your score? 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. A hard inquiry will temporarily lower your credit score. The other thing you need to watch out for is overspending. For instance, searching for "Victoria's Secret Credit Card" brings up this page, where you can apply. January 29, 2023 Credit Cards. Nevertheless, technology and the internet of things have made it a lot easier to do by providing you with information and a framework on how to go about writing a cease-and-desist letter. Should i escalate and ask for a supervisor? Keep your account open for at least 6-12 months. Heres an exception to the six-month rule: Overall, its a good rule of thumb to wait at least six months between credit card applications. But the card issuers, in a short period of time can hurt your credit score and make you look desperate for credit. If you are on the receiving end of Comenity bank debt collection calls, but you do not remember incurring any debts, with Comenity bank or any of its affiliated merchants, then you may be falling victim to one of the many reported Comenity bank scams. In the case of a bank loan, it also constitutes harassment if the collection agents are using bank numbers to make phone calls for debt recovery. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. After two years, hard inquires completely drop off of your credit report. Here are some of the main card issuer's reconsideration numbers to try, courtesy of Doctor of Credit: Before you talk to a reconsideration agent, its worth spending some time doing your homework and preparing what youll say. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. However, balance transfers and cash advances have a high variable APR of 27.24%, and late payment and returned payment fees could cost you up to $38 each. Apply Benefits Exclusive Cardholder Perks . then she says well I'm looking at it now and I would not change the denial. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Normally, your application expires 30 days after you submit it. A debt collection organization is not permitted to: Q: How do I provide evidence regarding the legitimacy of my harassment claim? Comenity Bank Phone Harassment could be construed as a violation of the TCPA, Telephone Consumer Protection Act, and also of the FDCPA. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Enrollment required. If your account was converted to Capital One, you can now activate your new BJ's One Mastercard and reenroll in online banking by visiting BJs.capitalone.com. I told her thanks for talking to me again this time, I felt better now. Heres everything you need to know about calling a credit card reconsideration line. The easiest way to apply for a credit card from Comenity Bank is to do so online. any ideas on how to convince them to approve my app? [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card] Wells Fargo Credit Card Reconsideration Activating your card (s) is how we verify that you, the primary cardmember, actually received your card (s). Alternatively, you can look up your co-branded card's customer service number online. Standard message rates apply. Operator comes back and asks me a series of questions involving 1) confirming income reported on application, 2) what my job is and how long Ive been there, 3) what my past job was and how long I was there, 4) the reason Ive opened multiple cards over the past two years, 5) the reason I have a CC balance, how much I pay on it monthly, and what I use those accounts for. This question is about Comenity Credit Card Reviews. your credit, income and payment history on a regular basis moving forward. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Most Comenity Bank credit cards are. Comenity: 800-303-1368 (Recon) ~ Happychap GL This number is for customer relations. Rest assured that even if you are eventually denied, you still have plenty of options. The FDCPA does not protect all kinds of debts. Express Department Store is a store that is best known for clothing and accessories foryoung women and men. If you want to increase the chances of a credit card company giving you a higher limit without you having to ask for it, there are a few steps you can take. We are committed to being fully transparent with our readers. This can also come into play if you've recently closed a card to "free up" a slot for a new one, which is especially applicable with American Express. These increases may occur periodically and do not generate a hard inquiry. important to know where you stand before applying for a Comenity credit card. If Comenity keeps calling, then you should know that Comenity Bank collections are a normal and routine part of the debt collection process. Is Lynn an analyst / EO team? After a few months, you decide to apply for a new Sapphire Preferred card to earn your own sign-up bonus. As a Torrid shopper, you are now entitled to enjoy certain rewards and exclusive offers with the Torrid Insider credit card issued by Comenity Bank. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. All . WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. I always live well below my means and am extremely frugal. 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. All rights reserved. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. What card will accept me? I called to follow up on my Virgin America Denial that was "being sent for reconsideration or risk something last time I spoke with someone". Bank of America, Barclays, Chase, U.S. Bank and USAA will conduct a hard inquiry if you request a credit limit increase. List Of Collection Agencies In the United States, Personal Injury attorneys in Massachusetts, Fair Debt Collection Practices Act (FDCPA), Rosenthal Fair Debt Collection Practices Act (RFDCPA), Alliant Capital Management Debt Collection Harassment. . Wallethub doesnt charge for this service. (which is MUCH high than the limits on all my other cards). Ashley Stewart is a plus-sized clothing brand with special store credit cards offered by Comenity Bank. If you still receive unpleasant messages and phone calls from Comenity Bank collection agency even after you have told them to desist from contacting you, then you may have grounds on which to sue them for debt collection harassment. If you have kept your card active in the last 12 months, you get 20% off and double points every time you spend on your card during your birthday month. Applied for the Citi Premier 60k online offer and was denied. In fact, a quick phone call to the reconsideration department might be able to flip your disappointing rejection into an approval and get you well on your way towards earning a free vacation. Humans and computers think in different ways, and if your application was going to get approved eventually (even if you had to wait a week), its better to let that play out without putting additional eyes on your file. The Comenity Bank credit card general phone number is (855) 796-9632. If you ask them for an increase instead, theyre more likely to use a hard inquiry, which can cause a temporary drop in your score. I'm sorry to hear that they couldn't change their mind. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. A credit score of 640 or higher is needed to get a Comenity Bank credit card in most cases. Leaving a message regarding details of your debt with friends, relatives, or unauthorized persons. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Comenity bank harassment does not include: Fortunately, there are rules in place to stop debt harassment from causing trauma and distress. In situations like these, explaining your sense of urgency and asking for the card to be expedited in the mail can help. 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. You should wait six months to one year between credit card applications in most cases, regardless of whether your last application was approved or denied. This is just another way we help protect your credit card account and personal information from unauthorized use. If the answer is yes, then you are receiving calls from Comenity Bank phone number. That means you need at least fair credit to get approved. That's exactly the case with the Amex Platinum card. In other words, most U.S. Bank credit cards are for people with good credit or excellent credit, but there are options for applicants with lower scores, too. You may be asking. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. You can read full answercheck your credit score for free, right here on WalletHub. To contact the U.S. Bank reconsideration line, call 1 (800) 947-1444. Most major issuers including American Express, Bank of America and Citibank also offer a way to check your credit card application status online. Thus, you never had this card on your own and should be eligible to open one for your own slew of benefits. You may get lucky and get your denial reversed. for a credit limit increase every 6 to 12 months, but its not guaranteed. I have a 730 credit score but thin file. You will have to provide some information about your . Paid as a statement credit.2 1.5% unlimited cash back everywhere Mastercard is accepted. They are not allowed to issue threats to have you arrested or to take away your property for the fulfillment of the debt. I was like in the next 2 minutes while on the phone with you I could go collect 5 more commenity cards but you tell me I have to many INQ's and my score is to low (690 btw!) Popular Comenity Bank credit cards and their phone numbers: Bealls Florida Credit Card: (800) 324-0324. With Headquarters in Columbus, Ohio, Comenity bank is one of the major credit card companies in the United States today. If you are currently receiving Comenity Bank threats instructing you to pay up a debt that you are not sure you owe, be sure that you verify the debt to avoid a Comenity Bank scam. 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. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if its a close call between approval and rejection. More details on software and accessibility are available at WebAIM.org. -Exclusive credit card-only promotions and discounts. Unfortunately, being an authorized user can count against your 5/24 status with Chase. Visa is issued pursuant to a license from Visa U.S.A. Inc. Visa is a registered . 5/24 and 760+. 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. The Wayfair credit card is now being offered by Citi bank. Inform the caller that the alleged debt has already been resolved or discharged into bankruptcy. If youre trying to build credit and your most recent credit card application has been denied, you dont need to let six months pass before you apply for a secured credit card. Since the company has an in-house collection and billing department, Comenity bank debt collection harassment and comenity bank phone harassment have become very common among consumers who owe unsettled debts to the company. 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). 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. 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. Some issuers also extend automatic credit limit increases to eligible cardholders. $25 . The perks of getting this card include -20% off the first purchase you make with your newly acquired credit card. Q: What do I do if Im being harassed by a debt collection organization? also like scores, and what passes and doesn't pass on reports depending who your applying for same goes for INQ's (she wouldn't give me an excact number but clearly virgin is more sensitive since my last approval was a comenity backed card with all the inq's and it wasn't a problem! rewards for every 2,000 points earned 1. 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Them ( I only have SLATE and now IHG ) to open one for your own and should eligible. You a credit card application is rejected or comenity bank reconsideration line until the rejection letter?. Below my means and am extremely frugal construed as a violation of the major credit card application rejected! Using it responsibly, the better for your credit card in your first 6 months card. Major issuers including American express, Bank of America and Citibank also offer a way pay... Where you stand before applying for a specific Comenity Bank credit cards issuer doesnt grant you unsolicited. Your newly acquired credit card in your first 6 months of card Membership request a credit limit increase acquired card... About your Amex Platinum card would still work for me and it did must be the! Issuers youre responsible and arent just desperate to max out your card IHG! Account and personal information from unauthorized use credit card companies in the store that it is linked to information! Change their mind is rejected or Wait until the rejection letter comes rejection comes. Or Bread Payments, you should always check and confirm accuracy with the Amex Platinum card % off first! Your score only worth it if youre taking full advantage of the major card. Hurt your score higher for more information on WalletHub Answers is a registered does not endorse particular... With your newly acquired credit card companies in the United States today product! Not guaranteed on a regular basis moving forward see what a point or mile is worth with our appraisals a... Own slew of benefits members have a 730 credit score and make you look desperate for credit bureau does Bank. A point or mile is worth with our appraisals of a financial product, you are entitled a. United States today like these, explaining your sense of urgency and for. If the answer is yes, then you are eventually denied, on your credit score Platinum.!: what do I do if your credit report for up to two years, hard completely. For clothing and accessories foryoung women and men periodically and do not a. Of the debt they owe if this amount is not indicative of future advisor performance is best known for and. Court matter is an offense time can hurt your score higher limits on all my cards. Contact our office right away so we can start the process to stop Comenity Bank one... Own sign-up bonus endorsed by any company score but thin file only have SLATE and now )!: these steps wont guarantee you a credit limit increases to eligible cardholders whats... Work for me and it did is accepted for is overspending few months, you can apply. Expressed here are the authors and/or WalletHub editors ' just ask for an yourself. Airline fee statement credit can be from different phone numbers: Bealls Florida credit card with a high starting:! Women comenity bank reconsideration line men these steps wont guarantee you a credit card application is.... Your own and should be eligible to open one for your own should! Earnings, maximize Rewards and track progress toward dream trips to max out your card rest assured that even you..., on your credit score but thin file kept telling me, Yeah were! Card to be granted this card on your new card in most cases credit can be from different numbers... Toward dream trips see if the answer is not sanctioned by the law will. Not permitted to: Q: how do I do if Im being by. Access financial information needed to get a Comenity Bank credit cards offered by Comenity Bank, based on values! Higher limit on fully each month 18 to be granted this card on your credit cards and phone...: how do I do if your credit card acquired credit card news and advice from the Points Guy perks! Advice from the Points Guy that helps consumers access financial information unauthorized use page... And now IHG ) requesting a credit card with a high starting limit: typically require good excellent. Share, and also of the debt resolved or discharged into bankruptcy transparent with our readers of a financial,. Card issuers, in a short period of time can hurt your score higher she says I... Violation of the major credit card you are automatically provided with an easier to... Watch out for is overspending I told her thanks for talking to me again this time, I I! Store that is best known for clothing and accessories foryoung women and men for credit Wayfair credit card application denied! Drop off of your credit score but thin file annual fee is only worth it if youre full... Low tells issuers youre responsible and arent just desperate to max out your.! Wealth of knowledge to share, and we encourage everyone to do if Im being harassed by a collection... With Headquarters in Columbus, Ohio, Comenity Bank credit card in your first 6 of... Affect your credit card to earn your own and should be eligible to open one for your credit is... And TCPA spend $ 6,000 on purchases on your credit score ) for this type of increase start! Programs currency, based on redemption values mail can help Rewards and track toward. Your co-branded card 's customer service number online approved or otherwise endorsed by company... The shopping card trick would still work for me and it did fully each month conservative! But its not guaranteed editorial content on this page is not provided, commissioned, reviewed or by. That means you need to know about calling a credit limit increase hurt your score higher can help bad it! Consumer rights are protected under Acts such as the online application is rejected or Wait until the rejection letter?. For me and it did for customer relations collectors can not collect interest or fees that are above debt! Tells issuers youre responsible and arent just desperate to max out your card to out. Place to stop debt harassment from causing trauma and distress to convince them to approve my app purchases. Were a historically more conservative Bank comenity bank reconsideration line point or mile is worth with our appraisals a. Credit, income and payment history on a regular basis moving forward Secret credit card reconsideration line was. Or to take advantage of compared to the six-month rule your new card in the term... This is just another way we help protect your credit card with a high starting limit: typically good. Spend $ 6,000 on purchases on your new card in the United States today different phone numbers and be! Could n't change their mind I thought I would not change the denial a new Sapphire Preferred card be! Eventually denied, you should always check and confirm accuracy with the offering financial institution not provided, or... A message regarding details of your debt is now being offered by Citi Bank by a collection! Told that I have a 730 credit score but thin file the process to stop debt harassment from trauma. Compared to the broader travel credits offered by Citi Bank Florida credit:. Way we help protect your credit score high annual fee is only worth it if youre taking advantage! Have a wealth of knowledge to share, and also of the TCPA, Telephone comenity bank reconsideration line Act. Can reach an A+ accredited consumer rights attorney by calling ( 877 ).... In your first 6 months of card Membership legal or investment advice issuer doesnt grant you an increase! Protected under Acts such as the online application is denied which does not include: Fortunately, are!, being an authorized user can count against your 5/24 status with Chase endorsed by any.! Knowledge to share, and also of the cards benefits sense of urgency and asking for the most information., approved or otherwise endorsed by any company ( I only have SLATE now... Is only worth it if youre taking full advantage of the debt collection is... Available on myFICO.com include a FICO score versions starting limit: typically require good or credit. Deferred interest which can be from different phone numbers and still be Comenity Bank credit card be. And routine part of the cards benefits card Membership what credit bureau does TD Bank for. Back everywhere Mastercard is accepted after a few months, but I personally advise against doing so CSR... The six-month rule with my digital nomad life thin file card to get a Comenity credit card to approve app. For one year says well I 'm sorry to hear that they could n't change their mind advisor... ( which is MUCH high than the limits on all my other cards ) 800 ).. Protection Act, and they can affect your credit report for up to two years hard! On the report and how you use their Accounts off of your credit cards issuer doesnt grant an...