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Comenity Bank cards - close due to inactivity?

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gh17
Frequent Contributor

Comenity Bank cards - close due to inactivity?

Just wondering if anyone knows how long I'd have to go before two retail cards I have through Comenity Bank would be closed due to inactivity.  I have cards from Express and the Limited.  I usually use them a few times a year.  I haven't used the Limited card since November 2013, and I haven't used the Express card since May 2013.  I've gone long periods without using them before, but this is probably the longest.  I buy most of my work clothes at these stores, but at the moment I just don't really need clothes and haven't gone shopping much in a while.

 

I actually just got credit limit increases on both of them today, not because I really needed them but just because I was on the website to make sure they were still open and they were soft pulls so why not.

 

Would they warn me before they were going to close them?  I can buy some earrings or something if it's really necessary.  But since Comenity has tons of store cards, I figured maybe there's someone on here who knows how long it would be.

BofA Cash Rewards 25,000 (2009) | Citi Double Cash 25,000 (2011) | Cap1 Quicksilver 10,000 (2013) | Discover It 31,000 (2014) | Chase Freedom 9000 (2014) | Barclaycard Rewards 25,000 (2014)

FICO: 840 Discover/Barclays/BofA TU, 869 Citi Equifax
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gdale6
Moderator Emeritus

Re: Comenity Bank cards - close due to inactivity?



@gh17 wrote:

Just wondering if anyone knows how long I'd have to go before two retail cards I have through Comenity Bank would be closed due to inactivity.  I have cards from Express and the Limited.  I usually use them a few times a year.  I haven't used the Limited card since November 2013, and I haven't used the Express card since May 2013.  I've gone long periods without using them before, but this is probably the longest.  I buy most of my work clothes at these stores, but at the moment I just don't really need clothes and haven't gone shopping much in a while.

 

I actually just got credit limit increases on both of them today, not because I really needed them but just because I was on the website to make sure they were still open and they were soft pulls so why not.

 

Would they warn me before they were going to close them?  I can buy some earrings or something if it's really necessary.  But since Comenity has tons of store cards, I figured maybe there's someone on here who knows how long it would be.


I have heard anywhere from 1 year to 3 years depending on the card, use it 1x a year and you will prob be just fine.

Message 2 of 3
gh17
Frequent Contributor

Re: Comenity Bank cards - close due to inactivity?

Guess I should go to Express soon then.

 

I would hope that they would give a warning though.

BofA Cash Rewards 25,000 (2009) | Citi Double Cash 25,000 (2011) | Cap1 Quicksilver 10,000 (2013) | Discover It 31,000 (2014) | Chase Freedom 9000 (2014) | Barclaycard Rewards 25,000 (2014)

FICO: 840 Discover/Barclays/BofA TU, 869 Citi Equifax
Message 3 of 3
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