topic Re: Comenity Closed my Account.... in Credit Cards

Comenity Closed my Account....

toi34 — Mon, 09 May 2016 22:21:58 GMT

**Not sure if this goes here....

...but Comenity closed one of my store accounts for non-use. I read on the boards that they would close the account for non-use extending past 2 years....this is not true. My account was closed after just 1 year on non-use.

FYI

Re: Comenity Closed my Account....

Anonymous — Mon, 09 May 2016 22:27:41 GMT

@toi34 wrote:
**Not sure if this goes here....
...but Comenity closed one of my store accounts for non-use. I read on the boards that they would close the account for non-use extending past 2 years....this is not true. My account was closed after just 1 year on non-use.
FYI

Sorry for your account closure but not sure where you read that they would only close if after 2 years. You should use any account every 3-6 months to prevent account closings. And this is posted in wrong forum so it eventually will be moved.

Re: Comenity Closed my Account....

Anonymous — Mon, 09 May 2016 23:08:36 GMT

Why was it so hard to put $10.00 on the card if it was so precious? LOL

Re: Comenity Closed my Account....

RonM21 — Mon, 09 May 2016 23:30:58 GMT

Sorry to hear. Any time I don't use a card for 2 months I get nervous enough to put a purchase on it. May be over thinking it but I'd rather do that vs this possibly happening.

Re: Comenity Closed my Account....

toi34 — Mon, 09 May 2016 23:35:31 GMT

@DavioKanuri nowhere in my post did you read that the card was "precious." Stop being judgmental.
The caRd is over 2 years old, reports positively, has a zero balance, and thus served it's purpose when I was rebuilding 4 years ago.

Re: Comenity Closed my Account....

Anonymous — Mon, 09 May 2016 23:47:38 GMT

Hahahaha, easy now

Re: Comenity Closed my Account....

Anonymous — Mon, 09 May 2016 23:56:51 GMT

@Anonymous wrote:
@toi34 wrote:
**Not sure if this goes here....
...but Comenity closed one of my store accounts for non-use. I read on the boards that they would close the account for non-use extending past 2 years....this is not true. My account was closed after just 1 year on non-use.
FYI
Sorry for your account closure but not sure where you read that they would only close if after 2 years. You should use any account every 3-6 months to prevent account closings. And this is posted in wrong forum so it eventually will be moved.

+1

Re: Comenity Closed my Account....

SunriseEarth — Tue, 10 May 2016 00:00:46 GMT

@toi34 wrote:
@Anonymous nowhere in my post did you read that the card was "precious." Stop being judgmental.
The caRd is over 2 years old, reports positively, has a zero balance, and thus served it's purpose when I was rebuilding 4 years ago.

I'm going to give the OP the benefit of the doubt and assume the remark was intended humorously. That said, let's all bear in mind when we post and when we read posts that we do not have benefit of gesture of tone of voice in this forum. Always remember our FSR standards! --SE

Re: Comenity Closed my Account....

SunriseEarth — Tue, 10 May 2016 00:04:34 GMT

@toi34 wrote:
**Not sure if this goes here....
...but Comenity closed one of my store accounts for non-use. I read on the boards that they would close the account for non-use extending past 2 years....this is not true. My account was closed after just 1 year on non-use.
FYI

Account closures for non-use vary widely with lender and product. IMHO, I recommend using CCs at least every 6 months to keep the cards active. If you don't particularly care to keep a CC active, then it doesn't matter too much. Anyway, this is a good data point for this CC.

Re: Comenity Closed my Account....

Anonymous — Tue, 10 May 2016 00:21:56 GMT

@SunriseEarth wrote:
@toi34 wrote:
**Not sure if this goes here....
...but Comenity closed one of my store accounts for non-use. I read on the boards that they would close the account for non-use extending past 2 years....this is not true. My account was closed after just 1 year on non-use.
FYI
Account closures for non-use vary widely with lender and product. IMHO, I recommend using CCs at least every 6 months to keep the cards active. If you don't particularly care to keep a CC active, then it doesn't matter too much. Anyway, this is a good data point for this CC.

I agree.

Re: Comenity Closed my Account....

Meanmchine — Tue, 10 May 2016 02:34:37 GMT

Which store was it?

Re: Comenity Closed my Account....

Anonymous — Tue, 10 May 2016 03:31:46 GMT

Has anyone ever bought something very trivial, like a $0.50 Amazon eGiftcard to keep a card "active"?

I wonder if that would be tolerated.

Re: Comenity Closed my Account....

Anonymous — Tue, 10 May 2016 05:03:00 GMT

@Anonymous wrote:
Has anyone ever bought something very trivial, like a $0.50 Amazon eGiftcard to keep a card "active"?

I wonder if that would be tolerated.

The merchants would hate it more than the card issuer. they pay >20 cents plus >2% per transaction. Bloggers on flyertalk and creditcardguru this and that would brag about doing those things. I wouldnt be that robotic. Watch those comenity emails. free shipping on weak spends all the time. Was it a limit that was decent? If so you could probably snag another card from that issuer that you'd use more if you wanted all of your UTIL back.

Re: Comenity Closed my Account....

Imperfectfuture — Tue, 10 May 2016 08:55:01 GMT

@Anonymous wrote:
@Anonymous wrote:
Has anyone ever bought something very trivial, like a $0.50 Amazon eGiftcard to keep a card "active"?

I wonder if that would be tolerated.
The merchants would hate it more than the card issuer. they pay >20 cents plus >2% per transaction. Bloggers on flyertalk and creditcardguru this and that would brag about doing those things. I wouldnt be that robotic. Watch those comenity emails. free shipping on weak spends all the time. Was it a limit that was decent? If so you could probably snag another card from that issuer that you'd use more if you wanted all of your UTIL back.

I would not. If OP has lots of comenity exposure, then a new card could get him/her shut down.

Re: Comenity Closed my Account....

Jon85 — Tue, 10 May 2016 16:53:28 GMT

I haven't been hit with the Comenity bug yet, but it's weird because I opened a Victoria Secret card back in 2013 during rebuilding and I never once used the card--never--started at $500 and every few months I hit the CLI button for giggles and I'm up to $3,000 now... but agian, never used it... and it's still open.

I probably just jinxed myself though and it'll be closed within a few days LOL

Re: Comenity Closed my Account....

Anonymous — Tue, 10 May 2016 17:12:37 GMT

"Comenity giveth. Comenity taketh away!"

Re: Comenity Closed my Account....

Kevin86475391 — Tue, 10 May 2016 20:26:46 GMT

@Anonymous wrote:
@Anonymous wrote:
Has anyone ever bought something very trivial, like a $0.50 Amazon eGiftcard to keep a card "active"?

I wonder if that would be tolerated.
The merchants would hate it more than the card issuer. they pay >20 cents plus >2% per transaction. Bloggers on flyertalk and creditcardguru this and that would brag about doing those things.

Personally I just don't carry any cash (or change), so if I happen to want something for $0.25 I'm still going to be whipping out a credit card to pay for it. I'm sure it might annoy the merchant, but I'm not doing it to be malicious and I'm not going to feel bad about it. IMO it's just the cost of doing business in the modern world. Every now and then I'll come across a place that doesn't take plastic or that says there's a minimum transaction amount I haven't met, but I don't really mind. I just don't buy the thing. Still worth it to me to face this occasional annoyance than to deal with cash.

Anyway, just my speculation but I suspect any small transaction, even for a few cents, would be enough to keep the card 'active' simply because it would probably circumvent whatever monitoring system the credit card company is using to detect inactivity. But I certainly may be wrong or the account may be closed if there's a manual review. Anyway, I'd make sure to use a card I wanted to keep active at least once every 6 months, and if I really want the card at least once every 3 months. Inactivity closure policies definitely vary significantly by lender.