kdm31091 wrote:The worst part is that they act as though Comenity isn't within their rights to request income verification. Yes, it's annoying and yes, it's a pain in the ass, but they have every right to ask for it. They're extending you credit and giving you rewards. The whole "well they are just making a horrible mistake" attitude is ridiculous, considering you are benefiting from their rewards. The entitlement on that website really is sickening. They all want 50k limits, top rewards, and retention bonuses, but they do not want to pay any AFs, provide any income documentation, or do anything other than milk the issuers. It's tiring, and I'm glad to see issuers are slowly but surely clamping down on them.
We all know the 1% util thing is totally BS along with most of the stuff those people claim. The income/cards/limits I think are fabricated a lot of the time.
If their utilization is 1% then why the hell do they need more padding?