Rue 21 Credit Card Apply (2024)

FAQs

Is Comenity Mastercard hard to get approved? ›

You need a credit score of 640 or higher 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).

Issuers have up to 30 days after you submit an application to tell you whether or not you've been approved. In practice, it's typically well before that.

You may use your Account to make purchases anywhere the Card is accepted. If your Card has the logo of one of our network providers (e.g., American Express, Visa and Mastercard), you may use your Account to make Cash Advances.

There's no rule limiting how many credit cards you apply for. Some credit card companies have their own restrictions and will only let you apply for one of their cards within a set amount of time. If you're planning to apply for two cards from the same card issuer, check first to see if it has any rules like this.

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.

The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants.

If you have the 7-10 day message, this likely means you were rejected. You can either wait for a letter or immediately call the reconsideration line to see if they will approve you.

If your credit card application was denied, lenders are required by law to send you an adverse action notice within 30 days of receiving your application, telling you why it was denied.

Major credit card issuers have customer service phone lines that you can usually use to check an application status. The line might quickly lead to a specialist who can provide detailed information about your credit card application, if available.

rue21 and Forever 21 are not the same stores

Though the names of the stores are similar, there is no affiliation between the two. Both stores are owned by completely separate companies.

How to pay off rue21 credit card? ›

In addition to your contact information and household bills, credit card applications ask for your annual or monthly income. Card issuers use this information, along with your credit reports and credit scores, to decide whether to approve your application.

Approval for a traditional credit card often means waiting for up to 10 days before you can receive and use a physical card. Yet many card issuers are offering a way around the wait with instant-use credit cards that allow you to use your account and take advantage of cardholder benefits right away.

It's generally a good idea to wait six months between credit card applications.

We've changed our name and our identity. Comenity is now Bread Financial. We've expanded beyond credit (credit cards managed by Comenity Bank or Comenity Capital Bank) and saving products to provide simple, personalized payment, lending and saving solutions.

Yes, Comenity Bank does a hard inquiry on your credit report whenever you apply for one of its credit cards. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

What credit bureau does Comenity Bank use for credit card approval? Comenity Bank uses all three major credit card bureaus (TransUnion, Experian, Equifax) for credit card approval. So, if any of your credit reports are frozen, you should unfreeze them before submitting an application for one of Comenity's credit cards.