Comenity Bank is a joke. What kind of "bank" tells you that you are preapproved, issues two credit cards with different retailers, and then closes them for too many inquiries with their bank? I am a Platinum Amex cardholder, with a good credit history. My household income is way above 6 figures, and this ridiculous "bank" closes two of my credit cards after they pursued me to open the accounts in the 1st place. User's recommendation: STEER CLEAR OF THIS BANK AND THEIR PREAPPROVED OFFERS!!