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).

Note: Your rue21 REWARDS Credit Card account is issued by Comenity Capital Bank Please review Comenity Bank's Financial Privacy Policy and Online and California Privacy Policy for more information. California Residents: Submit a Data Request Form to make a Do Not Sell My Personal Information request.

You agree to pay us for all amounts due on your Account, including charges made by Authorized Users. You agree not to use your Account for illegal transactions. You may use your Account to make purchases anywhere the Card is accepted.

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.

You can get pre-approved for a Comenity Bank credit card by receiving a pre-approved offer via mail or e-mail. Comenity Bank does not have an online tool that interested consumers can use to check their pre-approval status.

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.

Within the U.S., American Express touts a 99% acceptance rate among merchants that accept credit cards. That generally includes most major retailers and restaurant chains, as well as several small businesses.

What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

“For someone who is responsible about using their cards and never carries a balance then no, there is no number of cards that's too many,” credit expert John Ulzheimer, formerly of FICO and Equifax, tells CNBC Select.

Does getting denied for a credit card hurt? ›

The lender's approval or rejection decision makes no difference to your credit scores. But if a rejection leads you to apply for more cards, that would mean more hard inquiries. And multiple hard inquiries over a short period could have more of an impact on credit scores.

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.