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ohh Comenity! You got me this time!

Established Contributor

ohh Comenity! You got me this time!

I bought something with my JCrew Commenity store card and paid it the very next day on their web site. But they still reported the balance. GRRRR! I'll take note not to use the card the first week of the month if i don't want to risk balances reporting.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 1 of 8
7 REPLIES
Super Contributor

Re: ohh Comenity! You got me this time!

I always stop short of statement date to be safe

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 8
Senior Contributor

Re: ohh Comenity! You got me this time!

I always let Commenty report my  balance  because if you pay to $0 before closing, then no statement is generated.  I hate not having a statement showing purchases and payments.

Message 3 of 8
Established Contributor

Re: ohh Comenity! You got me this time!

For some reason, I thought this post would be about the OP apping for a card backed by Comenity. Lol
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 4 of 8
Frequent Contributor

Re: ohh Comenity! You got me this time!

Me too, Johnny. Me too.
2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!
Message 5 of 8
Established Contributor

Re: ohh Comenity! You got me this time!

JCrew is backed by Commenity


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 6 of 8
New Contributor

Re: ohh Comenity! You got me this time!

They got me too. Purchased something on Vickie's to keep it active...paid it as soon as it posted...and it reported. I just relaxed they have a five day window between payment date and statement cut. I've learned my lesson.
Go to cards: Amex BCE , CSP, Discover IT, Amex Gold NPSL
Message 7 of 8
Highlighted
Valued Contributor

Re: ohh Comenity! You got me this time!

All of my Comenity cards report on the 1st...so if I want something to report lower I pay before then through my bank...it usually gets credited in a day or so (I use BoA)

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 8 of 8