Regular Contributor
Posts: 223
Registered: ‎05-09-2013

Re: Comenity Bank accounts inactivity

FinStar wrote:

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.

Valued Contributor
Posts: 1,953
Registered: ‎03-30-2012

Re: Comenity Bank accounts inactivity

I like my J.Crew card. It's even better when its all on That's the only time I'll shop there.

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

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
Established Contributor
Posts: 985
Registered: ‎09-10-2012

Re: Comenity Bank accounts inactivity

I have a vs and brylane card with them. I try to use them every 3 months like another poster said and that has worked well for me. I primarily use vs at bbw. Just did that yesterday and sometime this week I will buy something from brylane. I hate to lose points but I like accumulating the history and their free shipping and sales often offsets rewards that my other cards would give.
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Posts: 131
Registered: ‎09-04-2013

Re: Comenity Bank accounts inactivity

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!)

Starting Score 563 (1/2013), Current Score 741 (1/2014)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. 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.