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Comenity Bank accounts inactivity

Frequent Contributor

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+


Message 1 of 14
13 REPLIES
Senior Contributor

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?

Message 2 of 14
Frequent Contributor

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+


Message 3 of 14
Senior Contributor

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.

Message 4 of 14
Frequent Contributor

Re: Comenity Bank accounts inactivity

thank you for your reply Smiley Happy

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


Message 5 of 14
Member

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
Message 6 of 14
Valued Contributor

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 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 7 of 14
Regular Contributor

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.

Message 8 of 14
Senior Contributor

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.

Message 9 of 14
Moderator

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 (TU08, 9/2013) | Current: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 10 of 14