Comenity Bank AAA Signature Visa Credit Card

[ElvisCaprice]

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@AndySoCal wrote:

@ElvisCaprice @At this point in time I have not restored the spend on the Customer Cash.  This will be about 60 to 90 days with zero spend on the card.  From my reading Citi usually does nothing until 2 years with no spend but can act without warning.

At this point in time the Comenity card is a just in case card. 

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     Hi Andy, so your doing a balance transfer or one of the 0% offers to carry a balance on your CCC?   So no spend until you pay it off?

Just get the Citi DC, spend for the SUB, then immediately PC it to another CCC.  Is what I did for a second CCC, many other DP's confirm this fast PC option.  Agree, never hurts to have a backup.

[AndySoCal]

@ElvisCaprice  Background a couple of months ago in the form of dispute I asked Citi to add actual payment amount to their reporting. During the dispute I off loaded the spending on  Customer Cash. During that process they put the account in dispute okay fine. Usually when the creditor completes the dispute the dispute remark is removed. The letter I received stated the dispute would remain and I could add the reason. I formally closed the dispute with Citi. Citi stated at the end March they would have the dispute comment removed okay fine. If you more details the dispute is on the forum.

Since my credit profile is unique in the sense that CIti is the only credit card I have that does not report the actual payment amount. So I decided to do some testing.  I want to see if Citi reporting a zero balance and my other cards reporting as usual if that changes anything on the FICO10T scores. I suspect the answer will be no. I have the Myfico scores for all the models in December of 2025 from MyFico  and I have the scores as of today.  The Equifax score on multiple models is down about 5 points. The reason is One Pay Walmart pulled Equifax. The other bureaus are up. I want to give this another 3 months to if anything changes. Also One Pay reports the TU 4.0 Vamtage score I am also interested in as well in regards to score change if any.

[bs1234]

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@ElvisCaprice wrote:

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@bs1234 wrote:

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@ElvisCaprice wrote:

    But they will in the preapp ask if your a member.  Just say YES, they don't check.  

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This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office).   You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....

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Really rich to give this warning in a day and age where our highest officials of the land are grifting/robbing the taxpayers coffers, openly.   But I get where your coming from on a personal level.  

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Right, but you would have to have really have missed the memo to assume what's OK for them to do means you can do (much less!) it too!

[ElvisCaprice]

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@bs1234 wrote:

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@ElvisCaprice wrote:

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@bs1234 wrote:

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@ElvisCaprice wrote:

    But they will in the preapp ask if your a member.  Just say YES, they don't check.  

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This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office).   You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....

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Really rich to give this warning in a day and age where our highest officials of the land are grifting/robbing the taxpayers coffers, openly.   But I get where your coming from on a personal level.  

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Right, but you would have to have really have missed the memo to assume what's OK for them to do means you can do (much less!) it too!

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Memo?  You mean the one that says their are two sets of rules?  One for the wealthy and powerful, NONE.  And bible pounding morals, laws, for the rest?  Oh, I got the memo, alright.   And anyone who tries to preach to me, can go pound sand somewhere else.  Hopefully starting with wealthy and powerful.

[crystal626]

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@bs1234 wrote:

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@ElvisCaprice wrote:

    But they will in the preapp ask if your a member.  Just say YES, they don't check.  

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This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office).   You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....

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Only really matters if you file for bankruptcy and even then, they would have to prove that your filing for bankruptcy wouldn't have happened if you didn't lie on this part. There has to be proof that you intentionally defrauded the creditor here, not that you made a simple mistake that anyone could have done while clicking through an application. Saying you make $120K when you make $14K, there's no way that's a typo, that's intentional. Saying you're a AAA member when you're not, absolutely believable that you could have made a mistake as you're clicking a box, not entering it manually.

[AndySoCal]

Regarding AAA membership is or is not required to apply for the credit card. It is amazing what I could have learned if I had scrolled down to the FAQ section and read the answer to question  1.  See link below

https://finance.aaa.com/credit-card 

[bs1234]

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@crystal626 wrote:

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@bs1234 wrote:

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@ElvisCaprice wrote:

    But they will in the preapp ask if your a member.  Just say YES, they don't check.  

---

This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office).   You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....

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Only really matters if you file for bankruptcy and even then, they would have to prove that your filing for bankruptcy wouldn't have happened if you didn't lie on this part. There has to be proof that you intentionally defrauded the creditor here, not that you made a simple mistake that anyone could have done while clicking through an application. Saying you make $120K when you make $14K, there's no way that's a typo, that's intentional. Saying you're a AAA member when you're not, absolutely believable that you could have made a mistake as you're clicking a box, not entering it manually.

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You are right for the criminal due process case (so I shouldn't have mentioned the lawyer).   But facing USCIS (lied, so bad moral character) or a political attack on those opposed to your nomination as [high office here].... "She/he EITHER DELIBERATELY LIED OR IS TOO INCOMPETENT TO FILL OUT A SIMPLE FORM!!!.  Is this the sort of person we want as [high office here]???"

But unlikely to cause trouble for most, especially as it is not  needed to get the card!