J Crew - Schedule Payment = Frees Up Credit Line Instantly?

[shane82388]

I just scheduled my first payment for J Crew (way before 1st statment) and i looke at my available credit and it was instantly available? Is this normal? Never seen it before?

[Anf_dude]

I Have An Abercrombie Card, Which Is Through Comenity Bank As is Your J Crew Card. I Just Scheduled A Payment For Today And It Also Reflected The Payment Amount As Credit Available Instantly. Must Be Something New.? I Don't Remember This Ever Happening. Or Could Be Some Malfunction Within Their System. Haha

[FinStar]

This is very common for most (if not all) Comenity cards these days.

[shane82388]

Thats kinda cool?

[FinStar]

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@shane82388 wrote:

Thats kinda cool?

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I think so    Rinse & repeat...lol.  Especially, since other retail lenders (e.g. GECRB) take a while to process/post payments, Comenity literally sucks it out via ACH (overnight) and you can play right away with the available CL.  Well, that and since most folks don't have high Comenity CLs, then I think this is good IMO.

[injustifiiable]

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@FinStar wrote:

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@shane82388 wrote:

Thats kinda cool?

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I think so    Rinse & repeat...lol.  Especially, since other retail lenders (e.g. GECRB) take a while to process/post payments, Comenity literally sucks it out via ACH (overnight) and you can play right away with the available CL.  Well, that and since most folks don't have high Comenity CLs, then I think this is good IMO.

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This is good to know actually. I usually push payments to my Comenity accounts and the available credit is usually updated by the next day.

I might have to try it this way next time just for the heck of it.