Thanks all! 
And re: Comenity and toy limits, I only have a toy limit on one card currently. MY 3 Comenity are now
Barneys - 5k
Overstock 3.2k
J.Crew 750 (the stubborn one)
Barneys started at 1k 6-7 years ago before it was serviced by Comenity. Was able to luv up to 5k a few months after Comenity bought it, now the button says my acct isn't eligible. But happy with that limit!
Well I feel I got shafted. My approval was for only $250
