Comenity Popup FINALLY - J. Crew - myFICO® Forums

gibeon · ‎05-22-2015

I haven't been pre-approved for anything in forever, then tonight I got a J. Crew popup! I accepted of-course annnndddd... $250 limit... I tracked down the J. Crew Comenity website, set up an online account, hit the luv button, and they raised it to $450!

I'm going to go try all the other comenity websites now, but first a quick question. How often do I have to buy something to keep the card open? I shop there very very rarely.

23 Open Bank Cards / 7 Open Store Cards / TOO many inquires / Mid/High 600's

Anonymous · ‎05-22-2015

Congrats.. It is a start and will grow with you..

RaiseMyScoreASAP · ‎05-22-2015

You should probably buy a gift card every six months on the card at least.

CH-7-Mission-Accomplished · ‎05-22-2015

Most accounts are fine for two years (or more). They will send out a letter if they are planning to close it. If you buy something once a year you should be fine. Remember that Comenity only updates when there is activity, so you won't get rated for all the months there is nothing happening. You still get the utilization help and the account ages fine for AAoA, but you will see a lot of "ND" for no data on the months nothing is happening. Also I hear they don't update credit limit increases unless there is activity -- so your report would not benefit from the higher limit lowering your utlizaiton.

I would not get more than a total of two Comenity cards. You can easily go crazy with the SCT. Seriously, don't do it. People always regret it. And if you think you want more of their cards, get two and then wait four months and get one or two more. Chances are within eight months you will have much better cards with rewards and won't even want these cards. The interest rate is like 29%!

lindel · ‎05-22-2015

I have been trying Jcrew since forever because it seems to be the card that grows very fast. If you dont mind me asking what are our scores?

Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
Kay Jewelers 4000/Barclays MC 1300/ Firestone1200/ Cap1 Quicksilver 2300/ NFCU nrewards secured 600/ Macys 600/ Walmart 3500/ Amazon 3500/ Cap 1 Journey 1050/ Kohls 300/ Banana Republic 3500/ Texaco 890/ BP 2000/ Jcrew 250/ Victoria Secrets 250/ Eddie Bauer 250/ Marisota 500/ SimplyBe 500/ Discount Tires 500/ Care Credit 1000/ American Eagle 150/ QVC 2000

revjamesl · ‎05-22-2015

Congrats.

gibeon · ‎05-22-2015

@lindel wrote:
I have been trying Jcrew since forever because it seems to be the card that grows very fast. If you dont mind me asking what are our scores?

Current scores are EQ 613 TU 620 EX 614 (Fico 08) They were all under 600 a couple weeks ago.

It is the only shopping cart that has popped up for me.

23 Open Bank Cards / 7 Open Store Cards / TOO many inquires / Mid/High 600's

lindel · ‎05-22-2015

Thanks! I got Eddie Bauder, Simply Be and Marisota to work and my scores are a little bit lower than yours.

Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
Kay Jewelers 4000/Barclays MC 1300/ Firestone1200/ Cap1 Quicksilver 2300/ NFCU nrewards secured 600/ Macys 600/ Walmart 3500/ Amazon 3500/ Cap 1 Journey 1050/ Kohls 300/ Banana Republic 3500/ Texaco 890/ BP 2000/ Jcrew 250/ Victoria Secrets 250/ Eddie Bauer 250/ Marisota 500/ SimplyBe 500/ Discount Tires 500/ Care Credit 1000/ American Eagle 150/ QVC 2000

Anonymous · ‎05-22-2015

Congrats! I have 3 of them and I say I use Vickie's 3 times a year. Beall's is for hubby & he uses it more often. RH is just for lighting, etc. So I doubt I will keep using that very often once I'm finished. Vickie's is still good to me. Get luv every couple of months from them. I think you'll be fine. Just got one from them myself. Weird feeling when you've tried forever, huh?