Good Job !
IMO the only good Comenity card is a CLOSED Comenity card 
Good for you! So proud of you!
@Anonymous wrote:Good for you! So proud of you!
Thank you, my friend!
@score_building wrote:Consider moving to act based primarily on your relationship/ experience with an issuer/product vs posts that may not include full disclosure or be directly applicable to your relationship with a lender.
Sorry that you seem to have a negative outlook on things, but I plan my account openings and closures based upon my overall plan and strategy, and not for any other reason. This fits very well with my plan.
@Anonymous wrote:
@score_building wrote:Consider moving to act based primarily on your relationship/ experience with an issuer/product vs posts that may not include full disclosure or be directly applicable to your relationship with a lender.
Sorry that you seem to have a negative outlook on things, but I plan my account openings and closures based upon my overall plan and strategy, and not for any other reason. This fits very well with my plan.
Not at all humu, seems a misunderstanding to find a post highlight to base actions on ones own experience anything but affirmative. I am pleased to hear you are moving to act in accordance with what works for you and fits with your plan Sorry if that wasn't clear.
@ddemari wrote:congrats on downsizing. im sure it was hard as u liked some design aspects of the card (which i totally get!).
Thanks d, appreciate it!
@creditguy wrote:
It's a good feeling to be at a place in your credit life where you can close unnecessary cards. I'm all for cutting dead wood, I like quality of credit over quantity of credit personally, so it's nice to get rid of dead weight. Congrats on moving on, double congrats for it being a comenity card on top of it.
Thank you creditguy, some solidly good points you have there
@creditguy wrote:
It's a good feeling to be at a place in your credit life where you can close unnecessary cards. I'm all for cutting dead wood, I like quality of credit over quantity of credit personally, so it's nice to get rid of dead weight. Congrats on moving on, double congrats for it being a comenity card on top of it.
Okay... am I missing something here, as to Comenity Card, being a good card to close??? I know that they are as bad as Syncrony Bank to cary a balance on. I have one of these, and they sent me a letter saying if I didn't use it, they were going to close it... Well close away, as 26.9% interest is CRAZY!
Starting Score: 675
I think it sounds like there's no love lost here with closing the card, and that's fine, but it's no worse than most other major rewards cards as far as carrying a balance. 15 percent or 25 percent, either way, rewards are washed out.
I also find the Comenity hate puzzling. Yes there was a wave of AA (which occurs with any lender). I'm not saying they have wonderful products, but if your profile is "risky" and apt to cause AA, ditching comenity isn't the real solution. The solution is to fix whatever makes you a risk in the eyes of creditors, because none of the AA was unique to comenity. Other creditors shut people down without warning too.
Anyway, OP seems happy with the decision, and trimming down is never a bad thing.
I also find the Comenity hate puzzling. Yes there was a wave of AA (which occurs with any lender). I'm not saying they have wonderful products, but if your profile is "risky" and apt to cause AA, ditching comenity isn't the real solution. The solution is to fix whatever makes you a risk in the eyes of creditors, because none of the AA was unique to comenity. Other creditors shut people down without warning too.
Anyway, OP seems happy with the decision, and trimming down is never a bad thing
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