Every creditor gets notified of your filing. When comenity gets notice of your case, they will most likely shut down all accounts.
also as for getting in with them again, you might have better luck than I did. I've never had a comenity card and still don't after applying after discharge, I guess they don't like me.
My BK was discharged within the last 2 months.
I had 5 accounts with Comenity. One had a $8000 balance which was included in the BK. The other 4 had $0 balance, and Comenity never closed these 4 accounts. From what everyone is telling me, I got really lucky. I got to keep 4 TLs with over $15,000 in credit line. I spent <$50 on 2 of the cards just to see if they will work, and they did. I don't plan on using any of these cards on a regular basis. Maybe use them once a year for a tiny purchase just to show some activity.
Anyway, here is one positive data point. But again, my understanding is that this is not the norm.
Yeah. I am not expecting them to keep them open, and I won't be too upset if they don't. But the credit open from the get-go would be nice and my oldest card on my report is one of the Comenity ones with a 0 balance.
But it's nice to know they did for someone so there's like a TINY, absolutely miniscule chance they will keep them open. lol. Thanks!