Comenity Reporting

[Anonymous]

Will a comenity store card port as a positive trade line on my CR if I don't put any purchases through it? I just used the shopping card trick to get Overstock and J Crew store cards but I don't want to use the lines anytime soon. I plan on buying one item and paying if off right after about once every 6 months. Will they still report with no initial activity?

[Anonymous]

Yes.

[Anonymous]

Yes they will. 

[Anonymous]

Thank you!

[pizza1]

Why get a CC you have no intentions of using? Depending on the card, Comenity will give out monthly CLI. My advice is to use the card for a small purchase maybe every 3 months, instead of every 6.

[kdm31091]

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@pizza1 wrote:
Why get a CC you have no intentions of using? Depending on the card, Comenity will give out monthly CLI. My advice is to use the card for a small purchase maybe every 3 months, instead of every 6.

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Pizza and I don't always see eye to eye, but this exactly. Getting CCs you have no intention of using makes no sense. SCT or not, you're still taking an AAOA ding for each new account, plus using up overall limits on cards you don't want. Some creditors will decline people for too much available credit, so wasting it on cards you don't even want is not wise.

To answer your question yes it will report as "pays as agreed" whether you use it or not long-term.

[Anonymous]

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@pizza1 wrote:
Why get a CC you have no intentions of using? Depending on the card, Comenity will give out monthly CLI. My advice is to use the card for a small purchase maybe every 3 months, instead of every 6.

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I have two Comenity cards that I've never used. It was a moment of SCT weakness. 

[Pway]

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@pizza1 wrote:
Why get a CC you have no intentions of using? Depending on the card, Comenity will give out monthly CLI. My advice is to use the card for a small purchase maybe every 3 months, instead of every 6.

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Pizza1 I agree with you.  I have a couple of Comenity cards that I opened and regret it because I do not use them.  Please only open cards that you are going to use. 

[Anonymous]

I opened them because I am just starting rebuilding and they are the only cards I was able to get. I can't do Cap1 because I burned them 😖.

A month ago I couldn't get credit to save my life, now I have 3 trade lines that will report positively as I work on clearing a couple baddies. Sometimes you gotta do what you gotta do.

[Anonymous]

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@Anonymous wrote:
I opened them because I am just starting rebuilding and they are the only cards I was able to get. I can't do Cap1 because I burned them 😖.

A month ago I couldn't get credit to save my life, now I have 3 trade lines that will report positively as I work on clearing a couple baddies. Sometimes you gotta do what you gotta do.

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Perfectly valid reasoning.