Comenity Credit Cards Updating

[dheather00]

Hello,

I had a question that I was hoping someone could assist with.  I recently paid off my Loft credit card, and today I got a score watch for my Victoria Secret card updating but not my Loft Credit Card that now has a zero balance.  Normally they update on the same day, any advice on what to do?  Or do I have any options?

Thanks!

[kroberts67]

Mine updated within hours of eachother, same day.  UNLESS...  there is no balance.  My j Crew hasn't reported for the last 3 months even though I've gotten a CLI each month.  I finally bought something so it will report my increase.  I wonder if your didn't because even though there was a transaction, it has no balance now.  

Sometimes if you call and makle some sort of change within your account (address, phone #, AU, etc) they will report right away.

[dheather00]

Any idea if they just don't update when it's a zero balance?  Am I correct that if they don't update it's assumed that the balance is the same as the previous month?  I was hoping I would see a score incease for paying my card off.  Thanks for the help!

[injustifiiable]

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@dheather00 wrote:

Any idea if they just don't update when it's a zero balance?  Am I correct that if they don't update it's assumed that the balance is the same as the previous month?  I was hoping I would see a score incease for paying my card off.  Thanks for the help!

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Usually what happens is when there's been a zero balance all cycle, it won't generate a statement at all. If you had a balance one month and paid it to zero during the next month, the statement would generate as usual with a zero balance, showing the activity during the month.