Comenity giveth-Comenity taketh away

[Anonymous]

I get that they have been fined but don't approve and them take it away not that I'm crying or anything I'm okay with my other cards and I have good limits li have 6 Chase cards all in good standing pay them off every month and never had a issue with them 

when I got the Comenity cards I purchased stuff with them but paid it off before even I got a statement with them as soon I got the order in my home I went online if the charge was there I paid right away 

if they want to be or feel that tough be on the people with bad credit that don't pay 

[yfan]

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@Anonymous wrote:

I get that they have been fined but don't approve and them take it away not that I'm crying or anything I'm okay with my other cards and I have good limits li have 6 Chase cards all in good standing pay them off every month and never had a issue with them 

when I got the Comenity cards I purchased stuff with them but paid it off before even I got a statement with them as soon I got the order in my home I went online if the charge was there I paid right away 

if they want to be or feel that tough be on the people with bad credit that don't pay 

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I don't mean to be rude, but please use punctuations. Would make your posts much easier to read.

[Anonymous]

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@creditguy wrote:

This is one of the downsides of computers and algorithms making decisions. some of these banks and card issuers have some really oddball policies that they aren't upfront with. If a company simply stated upfront with their terms and conditions what their likes and dislikes are, a lot of this CLD, AA and closures could be prevented or at the very least not leave a cardholder in shock wondering what happened. 

If you want to be conservative and limit your cardholders to people who don't do BT's, have too many new accounts or rack up a certain amount of inquiries in a set time, then say that upfront. I don't think anyone disagrees with AA if its warranted, I know if I were lending my money I'd be diligent as well,  but to close a customers cards outright who appears to be nothing but the ideal cardholder is plain ridiculous. 

I know there is no perfect solution and because of the sheer size of card portfolios its impossible for humans to do everything, but I think communicating your wants and needs a little clearer upfront could go a long way. Card companies expect us to act responsibly, I don't think it's too much to ask the favor be returned. 

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Well said.

[ecxpa]

I got slammed by Comenity earlier and they closed my TR Visa with 11.5K CL.  They told me to reapply which I foolishly did and was approved for TR Visa Siggy with a 15K  CL.......I just like the dam card.  This is the only lender I have received AA from.  It makes you paranoid though.  If they ultimately close this one I will stay away from Comenity like the plague.......YMMV.  Also I stay away from requesting CLI's on cards with a 10K or above limit

[Anonymous]

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@Anonymous wrote:

I am sorry that some people on this forum require a screenshot to believe that what I posted is true. It is true or I would not have posted it. I have talked to 4 different people at Comenity Bank and finally got an answer. My accounts were closed for "perceived risk" due to too many inquires. I have had perfect payment history not only with the one card of Comenity's that has a balance,  but with all of my cards for over 30 years. The only accounts I have applied for in the last 3 months are the 3 that Comenity closed.  I liked the Farmers card as it had 0% for a year and 13.9 after that. At the end of the day, it is their money and their rules. They lost a good customer and I learned a lesson.  

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I am sorry about the closures but I am happy you found out exactly what was going on.  I have Overstock and VS with them that I use rarely. I won't seek any further credit from them as I am shocked at the horror stories surrounding them.

[jeffery581]

WOW. They are going NUTS.

GOOD FOR YOU. You mess with my cards you can close all my cards with you. No swipe fees for you!

[Anonymous]

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@ecxpa wrote:

I got slammed by Comenity earlier and they closed my TR Visa with 11.5K CL.  They told me to reapply which I foolishly did and was approved for TR Visa Siggy with a 15K  CL.......I just like the dam card.  This is the only lender I have received AA from.  It makes you paranoid though.  If they ultimately close this one I will stay away from Comenity like the plague.......YMMV.  Also I stay away from requesting CLI's on cards with a 10K or above limit

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I wish Caesers would put some pressure on Comenity about the handiing of TR cards.  Most people I would think are Caesers customers.

[ecxpa]

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@Anonymous wrote:

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@ecxpa wrote:

I got slammed by Comenity earlier and they closed my TR Visa with 11.5K CL.  They told me to reapply which I foolishly did and was approved for TR Visa Siggy with a 15K  CL.......I just like the dam card.  This is the only lender I have received AA from.  It makes you paranoid though.  If they ultimately close this one I will stay away from Comenity like the plague.......YMMV.  Also I stay away from requesting CLI's on cards with a 10K or above limit

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I wish Caesers would put some pressure on Comenity about the handiing of TR cards.  Most people I would think are Caesers customers.

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I think a lot of people have sent them a note or two asking they go with a more reasonable/stable bank

[Anonymous]

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@ecxpa wrote:

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@Anonymous wrote:

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@ecxpa wrote:

I got slammed by Comenity earlier and they closed my TR Visa with 11.5K CL.  They told me to reapply which I foolishly did and was approved for TR Visa Siggy with a 15K  CL.......I just like the dam card.  This is the only lender I have received AA from.  It makes you paranoid though.  If they ultimately close this one I will stay away from Comenity like the plague.......YMMV.  Also I stay away from requesting CLI's on cards with a 10K or above limit

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I wish Caesers would put some pressure on Comenity about the handiing of TR cards.  Most people I would think are Caesers customers.

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I think a lot of people have sent them a note or two asking they go with a more reasonable/stable bank

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ecxpa you are better than I.  They would have one time only to close my account, I would never look back.  I had TR Visa that I closed along with several other Comenity Visas and MasterCard and several of their store cards.  After what they have done to people on this site that I follow, I don't trust them and don't want to do business with Comenity.  And yes if Total Reward was with a stable professional bank I would definitely re apply.   Good Luck with your TR Visa, it is a good card.

[Anonymous]

This makes me so weary.
I recently had to put an emergency vet bill onto my comenity card.
And it wasn't a little bill either.