Comenity Closed my Account....

[Meanmchine]

Which store was it?

[Anonymous]

Has anyone ever bought something very trivial, like a $0.50 Amazon eGiftcard to keep a card "active"?

I wonder if that would be tolerated.

[Anonymous]

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@Anonymous wrote:

Has anyone ever bought something very trivial, like a $0.50 Amazon eGiftcard to keep a card "active"?

I wonder if that would be tolerated.

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The merchants would hate it more than the card issuer. they pay >20 cents plus >2% per transaction. Bloggers on flyertalk and creditcardguru this and that would brag about doing those things. I wouldnt be that robotic. Watch those comenity emails. free shipping on weak spends all the time. Was it a limit that was decent? If so you could probably snag another card from that issuer that you'd use more if you wanted all of your UTIL back.

[Imperfectfuture]

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@Anonymous wrote:

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@Anonymous wrote:

Has anyone ever bought something very trivial, like a $0.50 Amazon eGiftcard to keep a card "active"?

I wonder if that would be tolerated.

---

The merchants would hate it more than the card issuer. they pay >20 cents plus >2% per transaction. Bloggers on flyertalk and creditcardguru this and that would brag about doing those things. I wouldnt be that robotic. Watch those comenity emails. free shipping on weak spends all the time. Was it a limit that was decent? If so you could probably snag another card from that issuer that you'd use more if you wanted all of your UTIL back.

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I would not.  If OP has lots of comenity exposure, then a new card could get him/her shut down.

[Jon85]

I haven't been hit with the Comenity bug yet, but it's weird because I opened a Victoria Secret card back in 2013 during rebuilding and I never once used the card--never--started at $500 and every few months I hit the CLI button for giggles and I'm up to $3,000 now... but agian, never used it... and it's still open.

I probably just jinxed myself though and it'll be closed within a few days LOL

[Anonymous]

"Comenity giveth. Comenity taketh away!"

[Kevin86475391]

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@Anonymous wrote:

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@Anonymous wrote:

Has anyone ever bought something very trivial, like a $0.50 Amazon eGiftcard to keep a card "active"?

I wonder if that would be tolerated.

---

The merchants would hate it more than the card issuer. they pay >20 cents plus >2% per transaction. Bloggers on flyertalk and creditcardguru this and that would brag about doing those things.

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Personally I just don't carry any cash (or change), so if I happen to want something for $0.25 I'm still going to be whipping out a credit card to pay for it. I'm sure it might annoy the merchant, but I'm not doing it to be malicious and I'm not going to feel bad about it. IMO it's just the cost of doing business in the modern world. Every now and then I'll come across a place that doesn't take plastic or that says there's a minimum transaction amount I haven't met, but I don't really mind. I just don't buy the thing. Still worth it to me to face this occasional annoyance than to deal with cash.

Anyway, just my speculation but I suspect any small transaction, even for a few cents, would be enough to keep the card 'active' simply because it would probably circumvent whatever monitoring system the credit card company is using to detect inactivity. But I certainly may be wrong or the account may be closed if there's a manual review. Anyway, I'd make sure to use a card I wanted to keep active at least once every 6 months, and if I really want the card at least once every 3 months. Inactivity closure policies definitely vary significantly by lender.