Robolady Handles Comenity Closures Now

Dalmus · ‎05-25-2017

I'm sure I missed it in some other thread, but I found out today that the Robolady will handle account closures. No dealing with CSRs that try to convince you to stay.

Gone are my Gander Mountain (useless anyway) and Wayfair. $3K of useless credit, gone. Express, HSN and Overstock are next... But I'm going to wait until next statement cycle to allow my UTIL to catch up. Those next three represent $8K. After those are gone, that'll be a total of 6 cards and $13K vountarily surrendered this year.

Just think.... 24 months ago I would have been horrified to lose $13K of credit, and now I'm eagerly waiting for the next statement cycle so I can get rid of more!

Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814

JustBPatient · ‎05-25-2017

Well done!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745

DeeBee78 · ‎05-25-2017

@Dalmus wrote:
I'm sure I missed it in some other thread, but I found out today that the Robolady will handle account closures. No dealing with CSRs that try to convince you to stay.

Gone are my Gander Mountain (useless anyway) and Wayfair. $3K of useless credit, gone. Express, HSN and Overstock are next... But I'm going to wait until next statement cycle to allow my UTIL to catch up. Those next three represent $8K. After those are gone, that'll be a total of 6 cards and $13K vountarily surrendered this year.

Just think.... 24 months ago I would have been horrified to lose $13K of credit, and now I'm eagerly waiting for the next statement cycle so I can get rid of more!

Congrats. We are also a Comenity-free household, and 95% was by choice. I closed all my store cards with them (almost 50K in credit) and they closed the one major card I had with them.

Comenity and Barclay's are not permitted in our house now.

tcbofade · ‎05-25-2017

Eh. We don't have any Barclays accounts either... DW has ONE Comenity account, she's had it for years, never an issue....

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...

Anonymous · ‎05-25-2017

Why do you want to close Comenity cards? They don't have any fees. Seems like they all have some sort of incentive if you ever are going to shop at the stores that are better that you can get if you use a standard credit card.

Dalmus · ‎05-25-2017

Exactly because I don't shop at any of those places. I'd rather make credit limit room for majors.

Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814