This question is about Comenity Credit Card Reviews @m_adams • 05/29/21 This answer was first published on 05/28/21 and it was last updated on 05/29/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial
and user-generated content is not provided, reviewed or endorsed by any company. The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us. Unfortunately, Comenity Bank doesn’t offer
any cards for people with bad credit, so its cards aren’t quite as easy to get as secured credit cards, for example. It’s also important to note that Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers. Here are some Comenity Bank credit cards that are easy to get:
As you can see, these cards charge $0 annual fees, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it’s best to just stick with the cards for fair credit. Austin Evans, Member@jabbathehut_1 • 07/06/18 This answer was first published on 07/06/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. The easiest Comenity Cards to get are the ones you can use the shopping cart trick on as they are not checking your credit. Out of the cards, this trick works on Victoria’s Secret & Overstock - as they're the easiest to get the pop up on. Francine Yates, Member@francine_yates • 03/16/18 This answer was first published on 03/16/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. The store cards that they issue are the easiest ones, since all store cards go for the 640'ish requirement. Answer Question People also askHow can I cancel my Comenity Bank credit cards online?You can cancel a card issued by Comenity
Bank by calling the number on the back of the card and asking. It's always a good idea to think about whether cancelling is a wise move, especially if you have a card that doesn't have an annual fee. show less WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Did we answer your question? Sorry! How can we improve this answer? What credit score do you need to get a credit card with Comenity Bank?A credit score of 640 or higher is needed to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).
Does Comenity do pre approval?Some of the biggest issuers of store cards, like Synchrony, Comenity and TD Bank, don't let you check for pre-approval without shopping.
What credit does Comenity Bank check?Comenity Bank typically pulls reports from all three major credit card bureaus (TransUnion, Experian, Equifax) when evaluating new credit card applications. So if any of your credit reports are frozen, you should unfreeze them before submitting an application for one of Comenity's credit cards.
Is Comenity Bank a hard inquiry?Comenity Bank issues the Victoria's Secret credit card, showing up on your credit report as Comenity Bank/Vctrssec. Comenity makes a hard inquiry for all applications, which impacts your credit score.
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Is it hard to get a Comenity Bank credit card?
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