11-20-2013 05:45 PM
So why did you obtain it knowing you wouldn't use it? Seems contrary in wisdom for cards to apply that serve a purpose.
At the time, I was aggressively pursuing any and all viable methods to increase my available credit across the board to "pad" my utility.
And considering all it took was a SP to get a new tradeline, I was okay with that.
I would say it essentially did end up paying off, so to speak.
Raising limits across the board (couple CLIs, couple new cards, etc) coupled with my rapid paying down of what revolving debt i had, i was able to continue getting accepted for much better cards thereafter;
I think the underwriters call it, pyramiding debt? or something? *shrug.
11-21-2013 11:46 AM
I like my J.Crew card. It's even better when its all on sale...lol. That's the only time I'll shop there.
11-21-2013 11:52 AM
11-21-2013 12:27 PM
Comenity closed one of my accounts for inactivity, but it was after several years of non-use. I imagine that you're fine for quite some while.
(Incidentally, it worked out to my benefit. I'd gotten that card back in my wild, pre-rebuild days when my credit was crap and I knew nothing. AND I racked up an awful 90-day late on the account back in the late aughts (2009, I believe?) By the time they closed me a few months ago, I no longer needed that CL or the age. I immediately sent them a GW asking them to delete the trade line. Which they did. Sayonara, 90-day late!)
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