topic Re: Comenity Reporting Question in Credit Cards

Comenity Reporting Question

Anonymous — Wed, 14 Oct 2015 19:03:36 GMT

My Carson's charge account reported the full statement balance fo $173, which was due today. If I made a payment of $100 on 10/10, why would it not report the remaining balance??

Re: Comenity Reporting Question

Anonymous — Wed, 14 Oct 2015 19:09:38 GMT

because your due date isnt only 4 days after the statement cut date. you paid it after the statement cut date.

Re: Comenity Reporting Question

Anonymous — Wed, 14 Oct 2015 19:13:16 GMT

@Anonymous wrote:
because your due date isnt only 4 days after the statement cut date. you paid it after the statement cut date.

Sorry, I dont understand.

Re: Comenity Reporting Question

Anonymous — Wed, 14 Oct 2015 19:20:40 GMT

@Anonymous wrote:
@Anonymous wrote:
because your due date isnt only 4 days after the statement cut date. you paid it after the statement cut date.
Sorry, I dont understand.

A card has a few important dates. The date that your statement ends, the payment due date that includes the grace period, and the date in which its reported to the bureaus.

Look at your statement. It will have a statement date, and a due date. Just pay the rest off now, look at your statement for the statement ending period, and remember to pay the bill by that date this month.

Re: Comenity Reporting Question

Anonymous — Wed, 14 Oct 2015 19:51:31 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
because your due date isnt only 4 days after the statement cut date. you paid it after the statement cut date.
Sorry, I dont understand.
A card has a few important dates. The date that your statement ends, the payment due date that includes the grace period, and the date in which its reported to the bureaus.

Look at your statement. It will have a statement date, and a due date. Just pay the rest off now, look at your statement for the statement ending period, and remember to pay the bill by that date this month.

I just realized the due date is 10/17 so I have a few days to pay off the balance. The statement close date was 9/21, but I still dont understand why they would report to the CRA today? I have lots to learn I guess.

Re: Comenity Reporting Question

Anonymous — Wed, 14 Oct 2015 20:29:21 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
because your due date isnt only 4 days after the statement cut date. you paid it after the statement cut date.
Sorry, I dont understand.
A card has a few important dates. The date that your statement ends, the payment due date that includes the grace period, and the date in which its reported to the bureaus.

Look at your statement. It will have a statement date, and a due date. Just pay the rest off now, look at your statement for the statement ending period, and remember to pay the bill by that date this month.
I just realized the due date is 10/17 so I have a few days to pay off the balance. The statement close date was 9/21, but I still dont understand why they would report to the CRA today? I have lots to learn I guess.

well, that may be the date they report. its after the statement date, so that makes sense, i guess?

just make sure you pay the bill by the 21st of every month if you want your utilization down.

Re: Comenity Reporting Question

Anonymous — Wed, 14 Oct 2015 21:40:12 GMT

+1. It had me confused for a bit too. Now what I do is pay the day my statement endsor a few days before, then don't use the card again until it cuts (or reports) to the cra's, other than to make the payment my statement calls for. Usually that means PIF. Once it reports, I am good to go.

Re: Comenity Reporting Question

Anonymous — Wed, 14 Oct 2015 22:48:25 GMT

@Anonymous wrote:
+1. It had me confused for a bit too. Now what I do is pay the day my statement endsor a few days before, then don't use the card again until it cuts (or reports) to the cra's, other than to make the payment my statement calls for. Usually that means PIF. Once it reports, I am good to go.

Just curious, you know about the phone system CLI trick? Easy to get 10k+ line. Sure u know, but just checkin!

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 00:00:12 GMT

Yeah, the robolady and I are in a committed 4 month long relationship now. She still won't show me any luv. Maybe if it was a roboguy....

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 00:43:30 GMT

What is the phone CLI trick you speak of.I want to get to know Robo lady

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 03:48:46 GMT

Call the # on the back of your card, and when the robolady asks, tell her credit limit increase. Then your annual salary. When she asks if you are requesting a specific amount, say no. Aaaand then if you get the CLI, DONT HANG UP. Start over again. Keep going until you get the 7-10 day message. Legend has it the robolady shows more luv than the luv button. I, however, am unluv'd equally by both lol.

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 03:59:12 GMT

@Anonymous wrote:
Call the # on the back of your card, and when the robolady asks, tell her credit limit increase. Then your annual salary. When she asks if you are requesting a specific amount, say no. Aaaand then if you get the CLI, DONT HANG UP. Start over again. Keep going until you get the 7-10 day message. Legend has it the robolady shows more luv than the luv button. I, however, am unluv'd equally by both lol.

@Anonymous Well Well @Anonymous...Now that's some good information. Does that work for all Comenity cards? How long do you have to have the card in order to ask this of the robolady?

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 04:09:10 GMT

@Anonymous wrote:
@Anonymous wrote:
Call the # on the back of your card, and when the robolady asks, tell her credit limit increase. Then your annual salary. When she asks if you are requesting a specific amount, say no. Aaaand then if you get the CLI, DONT HANG UP. Start over again. Keep going until you get the 7-10 day message. Legend has it the robolady shows more luv than the luv button. I, however, am unluv'd equally by both lol.
@Anonymous Well Well @Anonymous...Now that's some good information. Does that work for all Comenity cards? How long do you have to have the card in order to ask this of the robolady?

thats my question ...

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 04:17:11 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Call the # on the back of your card, and when the robolady asks, tell her credit limit increase. Then your annual salary. When she asks if you are requesting a specific amount, say no. Aaaand then if you get the CLI, DONT HANG UP. Start over again. Keep going until you get the 7-10 day message. Legend has it the robolady shows more luv than the luv button. I, however, am unluv'd equally by both lol.
@Anonymous Well Well @Anonymous...Now that's some good information. Does that work for all Comenity cards? How long do you have to have the card in order to ask this of the robolady?
thats my question ...

glad i enlightened!

well it doesnt work for all of them. Basically the only one I have heard of it working with is the Bergners/bonton/carsons/younkers/elder beerman card. I dont think you can have multiples as one card is used at all of the stores. Then again, the card management page is different.

Few people have got the limit up to 20k. I would make sure the card is 30-90 days old and make a few purchases. Get it to 10k. Then 30-90 days later repeat and get it to 15 or 20k.

Haven't heard any reports of this causing a HP. That is only isolated to this card tho.

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 04:22:55 GMT

I've heard of it working for overstock, Victoria's Secret, and JCrew. Not for me, but anyway...

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 04:25:45 GMT

@Anonymous wrote:
I've heard of it working for overstock, Victoria's Secret, and JCrew. Not for me, but anyway...

Have you heard of NY&Co working? I can't seem to find much information on this card. That's the only Comenity card I have.

Re: Comenity Reporting Question

rios138 — Thu, 15 Oct 2015 12:13:59 GMT

Works for the blue nile card also I went from 1k to11.4k

Re: Comenity Reporting Question

Anonymous — Thu, 15 Oct 2015 12:24:33 GMT

I think I have seen one or two posts about success with new York and co.

Re: Comenity Reporting Question

damnedanddetermined — Fri, 16 Oct 2015 19:23:45 GMT

no HP for bobotlady... and Barneys is very generous too!! My Carsons and Barneys is past 20K in 2 months!