topic Re: Comenity cards closed. in Credit Cards

Comenity cards closed.

triedtogetacardandcouldnt — Mon, 08 Sep 2014 10:41:07 GMT

I did a very dumb thing and applied for way too many credit cards through Comenity...and got a lot of them.

The fraud alerts came rolling in. I did as they asked and provided my driver's license, social security, a utility bill...but to no avail. They've closed four accounts already: West Elm, Pier 1, True Value and HSN, and I have the sinking feeling they're ALL going to get closed. I'm totally bummed because I WANTED these cards. And I'm more afraid I won't be able to get those cards again in the future.

I don't understand. I've already taken the hit for the applications, and now I don't even get to keep the accounts. I don't understand. As long as everything's legit (as evidenced by the info I provided to them that they requested), why are they closing my accounts?

I don't know what I can do to reopen these accounts, but I'm guessing there's not a chance in hell.

This sucks.

Re: Comenity cards closed.

taxi818 — Mon, 08 Sep 2014 11:56:29 GMT

Sorry to hear. But why worry about measly store cards. Go for the majors to use anywhere a couple store cards. Ok. But a zillion. Forget it.

Re: Comenity cards closed.

fishbjc — Tue, 09 Sep 2014 14:23:03 GMT

Having a pile of these small limit cards can harm you in the long run. Just let them go and apply for a card without a toy limit.

Re: Comenity cards closed.

Whitneyy — Tue, 09 Sep 2014 20:17:43 GMT

Did you send off the things they asked? I'm not sure why they closed EVERYTHING.

Re: Comenity cards closed.

FinStar — Wed, 10 Sep 2014 03:41:22 GMT

@triedtogetacardandcouldnt wrote:
I did a very dumb thing and applied for way too many credit cards through Comenity...and got a lot of them.

The fraud alerts came rolling in. I did as they asked and provided my driver's license, social security, a utility bill...but to no avail. They've closed four accounts already: West Elm, Pier 1, True Value and HSN, and I have the sinking feeling they're ALL going to get closed. I'm totally bummed because I WANTED these cards. And I'm more afraid I won't be able to get those cards again in the future.

I don't understand. I've already taken the hit for the applications, and now I don't even get to keep the accounts. I don't understand. As long as everything's legit (as evidenced by the info I provided to them that they requested), why are they closing my accounts?

I don't know what I can do to reopen these accounts, but I'm guessing there's not a chance in hell.

This sucks.

You answered your own question. Regardless whether you were able to provide some form of verification, you posed a very high risk. Unfortunately, they likely may not reopen them unless you get someone who may be sympathetic and you go through a lot of hurdles. Just know, they hold the gold regardless if you took the hit for them. Next time, try a different approach when applying for any accounts and space your applications wisely.

Re: Comenity cards closed.

Creditaddict — Wed, 10 Sep 2014 03:52:02 GMT

Wait wait wait... all these poeple responding... do you you even have Comenity Cards?! sure some of them can be measly store card limits but I have a $5100 limit at Pottery Barn and I have seen posts with people having $15k+

Comenity like GE/Sync back a LOT OF F'ing cards so it's not unusual to have a lot of them.

I don't understand why they have closed them if all they asked you to do was verify it is you?!?? and you did that?!

Re: Comenity cards closed.

FinStar — Wed, 10 Sep 2014 03:56:52 GMT

Wait, wait, wait... why not ask the OP exactly how many Comenty accounts were opened and in what timeframe? I don't think a fraud notification comes out of just thin air do you? Also, you are aware that Synchrony (formerly GECRB) takes a similar AA when it comes to such an abundant number of accounts in say ...a span of a couple days?

Re: Comenity cards closed.

Creditaddict — Wed, 10 Sep 2014 04:03:26 GMT

Haha Fin we were on the same wave length on that one!!

Re: Comenity cards closed.

SunriseEarth — Wed, 10 Sep 2014 07:22:17 GMT

@FinStar wrote:
Wait, wait, wait... why not ask the OP exactly how many Comenty accounts were opened and in what timeframe? I don't think a fraud notification comes out of just thin air do you? Also, you are aware that Synchrony (formerly GECRB) takes a similar AA when it comes to such an abundant number of accounts in say ...a span of a couple days?

+1. I'm curious as to what OP considers "a lot." I'm think Comenity took AA to reduce their risk here.

Re: Comenity cards closed.

tempusfugit123 — Fri, 26 Sep 2014 01:30:58 GMT

lol at people who think comenity gives toy limits. I have an 18k Potterybarn card that I opened in november last year I get a 1k increase every month it started at 4k I believe. I also have a 10k West Elm Card that I opened in November. At that same time I opened a NewEgg Preferred account, TigerDirect, and VS. So pretty much in the span of 2 weeks I opened 5 accounts. I just opened up 3 new accounts last month Crate and Barrel stared out at 1k its now at 2.5k, J.Crew started off at $300 now at 1.1k and Sportsmans Guide at 4k....all in a month.

I don't know why the OP got flagged. I would guess that they opened more than 5 accounts.

Re: Comenity cards closed.

B335is — Fri, 26 Sep 2014 01:33:30 GMT

@tempusfugit123 wrote:
lol at people who think comenity gives toy limits. I have an 18k Potterybarn card that I opened in november last year I get a 1k increase every month it started at 4k I believe. I also have a 10k West Elm Card that I opened in November. At that same time I opened a NewEgg Preferred account, TigerDirect, and VS. So pretty much in the span of 2 weeks I opened 5 accounts. I just opened up 3 new accounts last month Crate and Barrel stared out at 1k its now at 2.5k, J.Crew started off at $300 now at 1.1k and Sportsmans Guide at 4k....all in a month.

I don't know why the OP got flagged. I would guess that they opened more than 5 accounts.

Yeah, going on app sprees with the same lender is playing with fire.

Re: Comenity cards closed.

Anonymous — Fri, 26 Sep 2014 01:39:47 GMT

I am curious as too how many store cards you applied for? I have 5 and got them all within one week of eachother, Your thread got me nervous.

Re: Comenity cards closed.

Scott_S — Fri, 26 Sep 2014 02:29:38 GMT

@Anonymous wrote:
I am curious as too how many store cards you applied for? I have 5 and got them all within one week of eachother, Your thread got me nervous.

Danijoy

I have 15 Comenity cards, all opened pretty much at the same time. I received the fraud alert letters in the mail for most of them, but after calling in and answering the questions, they cleared the block and the accounts remained open. That's just my experience, based on my case, but if they were to close some or all of them, it might be a blessing. Who can use and keep track of so many cards and payments.

Re: Comenity cards closed.

Anonymous — Fri, 26 Sep 2014 02:34:43 GMT

Thank you for replying. Think I'm just gonna put my trigger finger away for a little bit. lol.

Re: Comenity cards closed.

chalupaman — Fri, 26 Sep 2014 02:56:00 GMT

I don't think it's wise to try apping for so many cards with the same issuer in a short period of time like that. I also think there are better cards out there that you could have considered.

Re: Comenity cards closed.

Anonymous — Tue, 21 Jul 2015 06:09:46 GMT

Just last month, I applied for 10 cards within a 2 week period and put $10 or so dollars on each of them as soon as the cards arrived. Note that I did have to call in for approval for each and they asked me a set of questions and then I was given my credit line by phone for credit lines up to $4k. The accounts were active immediately and I verified online and setup my account.

Maybe they have changed their approval process requiring a call in up front?

Re: Comenity cards closed.

Anonymous — Tue, 21 Jul 2015 06:28:11 GMT

I applied for 3 commenity and 4 synchrony cards. then a card i really wanted came around and now im denied. the sheer number of anything anywhere will mess up your chances. Toy limits are bad, but they do age and come up. Everyone is at a different place, lower scores or BK/chargeoff members have much fewer oprions, and SCT is a good option. However, if you can get approved for several store cards chances are you can get a quicksilver if you do not have one. Now you may not, with all the inquiries and new accounts. A MC/VISA should always be valued above store cards.

at this point cool it and if you want a store card only go for ones that have the visa option, but again now you have several HP on bureaus. Get on the backdoor number and get transferred to a rep who can work with all the accounts to verify all of it in one call not just each store. They exist. It will probably be a 45 minute phone call, 40 minutes of it of you on hold waiting.

Re: Comenity cards closed.

Anonymous — Tue, 21 Jul 2015 06:38:58 GMT

What could one possibly need that requires a 5 digit limit on a pottery barn card of all things?

Re: Comenity cards closed.

Anonymous — Tue, 21 Jul 2015 06:47:43 GMT

Indeed. Now if they sold actual barns, that would make sense.

Too bad comenity wont fudge limits between accounts, that would be nice.

Re: Comenity cards closed.

Anonymous — Tue, 21 Jul 2015 06:49:39 GMT

Does Comenity back anything useful? Besides Virgin America Visa?