@chuckwood No problem. I learned something and glad you posted about leaving a small balance. Next time a I'll leave more than a dollar. I haven't had a statement since January so I'll leave something on there next month.
Just to confirm what others have said, I recently messaged them about this very thing on my Eddie Bauer card.
I wrote "If I don't have a balance, to I not get a statement, even as a .pdf?
The most recent statement that shows up on the site is from December."
And I got this reply, "I am with Comenity Bank, which handles your credit card account. I'm
here to help with your account needs.
Please be informed that, if your account had a zero ($0.00) balance
with no activity, no statement will be available for that month and
year.
If you have any questions, please click the reply button.
Sincerely,
S.MV
Internet Customer Care Team"
I did have "activity." I've used the card almost every month, but paid it down to zero before the statement date. I guess they see zero balance last month and zero balance this month as no activity.
EQ8 769, TU8 757, EX8 769 as of May 6
Technically, if a statements cuts with nothing to report, thats no activity. Comenity has always been like that for me when i had them. So l9ng as one is paying their purchases i wouldnt worry about not having a statement. Miss a payment, then worry
It Sounds like with Comenity there is a need to periodically report a balance to avoid a letter as noted above by @chuckwood threatening account closure if not used. So apparently they consider it inactive after a period of time based only on the statement balance of zero and do not measure activity. How many months of zero balance did it take to get the letter.
I had recently received an automatic CLI from my Comenity MC about 8 months after it was converted from a Wayfair store card. I'm wondering if I'd have better chances of future CLI if I let a balance report each month or if that doesn't make any difference. If their looking at months with a zero balance as inactivity this may be a factor
Im also at AZEO right now so not wanting to report two cards with a balance. I could overpay by more than a dollar to get a statement but Comenity does not let you overpay by a certain percentage. So there is the option to push a payment through bill pay.
@nwa479 wrote:
I'm wondering if I'd have better chances of future CLI if I let a balance report each month or if that doesn't make any difference. If their looking at months with a zero balance as inactivity this may be a factor
FYI, I just got a Comenity CLI on a card that had not posted a statement (due to zero balance each month) since well before my last CLI on this card.
I too am considering letting a small amount report once in a while just to avoid any hiccups. I'm thinking a could pay all but $12 before the statement date and that would be 0.4% of my 2850 limit. So it should report 0% utilization, but have something there to generate a statement.
@mgood Sounds like a good idea to just report a small balance every few months or so. I have a $2,000 CL so reporting anywhere from 2 to 8 dollars should keep it under 1/2 percent and report zero utilization but would probably still count as an account with a balance for AZEO purposes.
As far as Azeo my Comenty MC which is new will never be reporting a balance so if they want to close it even though I use it through the month then they can close it. Not going to let something I dont want to report report just for the issuing bank.
