Bread Financial/Commenity pre-approval (2024)

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
Loans:

Revolving Accounts (in the order they were opened):

Closed accounts:

I am not sure about the online preapproval but I got my Bread CB card thru a preapproval mailer about about a year ago.

@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.

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

@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

@Guyatthebeachwrote

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.

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)?

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.

@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

@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!

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