With Comenity co-branded cards, if you add a dummy item or two to your shopping cart and then apply for the card during check-out, they’ll almost never perform a hard-pull of your credit report. What’s probably less obvious is that sometimes your account or credit profile will be impacted differently based on how you apply too. It’s probably already familiar to seasoned churners that sometimes you’ll get a better offer for an airline credit card when you’re making a dummy booking or when you’re applying for a card from an in-flight application. Specifically, today we’ll focus on the Comenity Shopping Cart Trick. Comenity has been total cr*p.Comenity Bank probably doesn’t qualify as a FinTech given that they’ve been around since the 1980s and have major co-branded card contracts like AAA, Victoria’s Secret, the Texans NFL card, and the Houzz (?) Mastercard, but they do provide an object lesson in how FinTechs and some banks can provide unique backdoors into the financial system. If you don't want CONSTANT problems or if you are Gay and don't want to deal with homophobic agents, look elsewhere. But, I will only make one tiny puirchase every few months just to keep it active on my credit file. I will only be keeping the card, as the high limit and low usuage looks good on my credit report. that barely knows how to boot up a computer. In other words, cheap computers, cheap software and an IT Dept. As you can see, they have a lot of computer *glitches*. She never did offer any reason as to why the card was declined, just reassured me the account was excellent and there would be no problems going forward. She came back and told me they had experienced a computer *glitch* a couple of months ago, but had fixed it. The supe admitted it was turned down by Comenity, in error, and put me on hold to check with the fraud dept and make sure there were no problems on their end. Got a supe and went through everything all over again (the 3rd time and now at well over an hour and counting). I finally prevailed when I told her she had slipped early on and I had her name. AT first, she refused and threatened to just disconnect me. The minute I mentioned my husband, she started addressing me as "M'am", with attitude and great disdain. By the way, I am a amn, with a VERY deep manly voice. The same card had been used at the same store successfully for several days and the owner showed my husband the declined message on his screen. Said it was denied because the expiration date didn't match. Went through what happened and she denied that it happened. Told her I was very upset, not with her, but with Comenity. Got a rep, who had a bad attitude from the get-go. Finally I went online and tracked down a phone number. (Shouldn't their number be on the card?) She gave me 2 numbers for them, neither of which worked. After 20 minutes getting upset with the nice rep who answered, I was notified that she was with Visa Int'l, not Comenity and I would have to call them. The number on the back of the card, which is not meant to be read by any human, as it is hidden and printed so small, it took a jeweller's loupe to make it out. He was mortified, used another card and it went right through. It was declined for "possible fraudulent activity". My husband ran out to the corner store, as he does every morning and attempted to make a purchase using his card, which he had used successfully there for the past 4 mornings. They "hoped" to have that resolved in a month or so. As soon as that was supposedly resolved, their computers *glitched* again, causing their Rewards program to get all screwed up. Then, about a month in, their computers *glitch* and ALL autopays are declined for over a month.more like 2. However, I know the owner of the store quite well and was able to verify with him there was no problem at all on his end. They tried telling me it was the fault of the merchant's computers. Initially, both my and my husband's cards were getting declined. Opened my credit card account with them several months ago with a high limit and have had nothing but problems ever since. AAA Preferred Rewards Visa - Steer Clear!
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