Reply
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

Comenity Bank accounts inactivity

Anyone have their accounts closed for inactivity? I have 2 that are at 6 mos. without use... (not closed yet)

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Valued Contributor
Posts: 7,035
Registered: ‎10-21-2012
0

Re: Comenity Bank accounts inactivity

Some folks have.  Ron1 mentioned a while back that some of his Comenity CCs were closed due to inactivity so it does happen.  Why don't you put some use to prevent from being closed?

Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

Re: Comenity Bank accounts inactivity

I was going to wait for Christmas sales.. but I don't want to risk closure so small purchase it is! 

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Valued Contributor
Posts: 7,035
Registered: ‎10-21-2012
0

Re: Comenity Bank accounts inactivity

I'm thinking you'll be fine.  I think this generally could apply for individuals who go 12+ months of inactivity.  Of course, every issuer has their own inactivity/closure criteria, so best to put some small purchases here or there to keep them active during the calendar year.

Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

Re: Comenity Bank accounts inactivity

thank you for your reply :smileyhappy:

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Member
Posts: 14
Registered: ‎11-05-2013
0

Re: Comenity Bank accounts inactivity

I have 3 and my wife and i typically rotate them and spend a couple humdred bucks on each every 3 months or so.  I try not to let them go more than 3 months without use, but thats just they system we have that works for us...(thats about the time she just has to have a new pair of shoes...)  I hate using those cards instead of a cachback/rewards card, but thats 3k in avail credit I dont want to close while trying to rebuild.

11/13 - EX 674 MyFico - EQ 660 MyFico - TU 675 WMart Fico

TTFCU 3500 - AMEX Green NPSL - Discover IT 800 - Amazon 1400
Lowes 800 - QuicksilverOne 500 - CapOne Plat 800 - Walmart 1050
Barclays ChoicePriv 250 -Vic. Sec 900 - Express 1070 - Buckle 780 - Valero 600 - JCPenney 700
Valued Contributor
Posts: 1,883
Registered: ‎03-30-2012
0

Re: Comenity Bank accounts inactivity

I have some Comenity accounts that haven't been used since I opened them 10 months ago.

 

I got a CLI on a couple of them too!

 

Since it's my birthday month I decided to throw them a bone and buy a new sheet set and some towels. I bought them at Brylane Home but put one purchase on that card and another on the KingSize card.

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $500 | J.Crew $9550
Regular Contributor
Posts: 215
Registered: ‎05-09-2013
0

Re: Comenity Bank accounts inactivity

I opened a jcrew card via shopping cart trick several months back. Never used it, and frankly dont plan to.

Cant justify working so hard to (re)build my financial stability, just to end up buying some overpriced junk clothes from jcrew just to keep a smallish limit account open.

Let 'em close it, *shrug.

Valued Contributor
Posts: 7,035
Registered: ‎10-21-2012
0

Re: Comenity Bank accounts inactivity


xerostatus wrote:

I opened a jcrew card via shopping cart trick several months back. Never used it, and frankly dont plan to.

Cant justify working so hard to (re)build my financial stability, just to end up buying some overpriced junk clothes from jcrew just to keep a smallish limit account open.

Let 'em close it, *shrug.


So why did you obtain it knowing you wouldn't use it?  Seems contrary in wisdom for cards to apply that serve a purpose.

Moderator
Posts: 4,971
Registered: ‎08-12-2013
0

Re: Comenity Bank accounts inactivity


FinStar wrote:

xerostatus wrote:

I opened a jcrew card via shopping cart trick several months back. Never used it, and frankly dont plan to.

Cant justify working so hard to (re)build my financial stability, just to end up buying some overpriced junk clothes from jcrew just to keep a smallish limit account open.

Let 'em close it, *shrug.


So why did you obtain it knowing you wouldn't use it?  Seems contrary in wisdom for cards to apply that serve a purpose.


+1.   My account with the least purpose, VS, can be used for purchases at BB&W.  It's not the most valuable purpose for me, but it still exists.


Start: 619 (Wally, 9/2013) | Current: 669 (Wally, 1/6/15), 703 (EQ myFICO 8/13/14)
AMEX BCE $13500 | Care Credit $10200 | JCP $5000 | Walmart Store $5000 | Amazon Store $5000 | Overstock $4600 | Cap 1 QS1 $4000 | AMEX Costco TE $3500 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Sony Card $2500 | Macy's AMEX $1500 | VS $1450 | Gold Violin $1450 | Citi DC WMC $1200 | Merrick $1200 | Target $1000 | ~~Gardening Since 12/23/14

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.