

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.
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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. For licenses and disclosures see /licenses.Comenity Bank is a major credit card company that has 92 credit programs for many top U.S. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: /lenders. Options depend on your purchase amount, and a down payment may be required. For example, a $700 purchase might cost $63.18 per month over 12 months at 15% APR. Leasing available on select items at participating locations only.

Acquiring ownership by leasing costs more than the retailer's cash price. The advertised service is a lease-to-own, a rental or a lease purchase agreement provided by Prog Leasing, LLC, or its affiliates. § No credit needed: Progressive Leasing obtains information from credit bureaus. Early purchase options cost more than the retailer's cash price (except 3-month option in CA). Standard agreement offers 12 months to ownership. Remaining lease payments will be determined upon item selection. † Regular $79 initial payment (plus tax) is charged at lease signing. The Diamond Credit Card Accounts are issued by Comenity Capital Bank. Redemption Details: Cannot be combined with repair offers.Ĭredit card offers are subject to credit approval. mailing address.ĥAccount must not be in default. See offer for full terms and conditions.ĤMust have a valid email address and U.S. mailing address.ģMust have a valid email address and U.S. Offer will be received during cardholder birthday and anniversary months. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year. Offer will be received in your welcome kit.ĢMust have made a purchase in the previous 12 months starting 1 month prior to birthday and card anniversary. Interest will apply according to your regular credit terms.ġMust have a valid email address and U.S. **Minimum payments required each billing period. If the transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. *Minimum payments are required fr each Credit Plan.
