Does Comenity Bank give PC?

[Navyvet45]

I have no need for my Victoria's Secret credit card account now, but don't wan to just close it.  Does anyone know if Comenity Bank will do a product change to a card I am more likely to use?

Fico TU 688, EQ 682, EX?

[alinoapa]

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@Navyvet45 wrote:

I have no need for my Victoria's Secret credit card account now, but don't wan to just close it.  Does anyone know if Comenity Bank will do a product change to a card I am more likely to use?

Fico TU 688, EQ 682, EX?

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Great question

[gdale6]

There is no such thing as PC with Comenity to a different store, they are just like GECRB.

[Navyvet45]

Thank you for the information.  Should I just leave it open and not use it, or close it out?  I know it works to my adantage with debt to credit ratio, but will it affect me not being actively used?

Thanks for your insight.

[Creditaddict]

If you really will never use it and you have other cards, then just close it.

[policebox]

It's better for your FICO score for you to leave it open, even if it is inactive. Inactive accounts can make only neutral or positive impacts on your score, never negative. Closing the account will have a negative impact due to lower utilization, etc.

Put the card in the sock drawer and leave the account open. If you want to make certain it isn't closed, try to use it once a year or so. If not, and the issuer ends up closing it, it doesn't have any negative impact on you.