My credit is reBUILDING, let me start off to say. But I have been paying all my bills on time and keeping my credit utilization low. My CS is between 620-630. I applied and was approved for $300. It is not much but a start! And they now go through Comenity Bank who are very likely to give you credit.
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When Comenity took over paying a bill became a chore. I made a payment through the online system and a month later I was charged a late fee. No one can take the fee off even though I paid my bill. They requested paperwork to prove i paid my bill. It was sent and still the bill reflects I never made a payment! This will be the 5th time calling back because now it's reflecting on my credit score! Will not be using this card anymore!
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