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I was starting to wonder where my Williams-Sonoma Visa card was. Now it looks like I won't be receiving one...
Well, I'm definitely surprised. Most stories you hear about Comenity shutdowns invovle people that have a ton of exposure with the lender, and mostly with their Visa/MC majors. This was the only account I had with them after going through my 2017 Cardpurgeocalypse. I haven't even had a chance to update you guys on how I closed my Barney's New York ($30,750) or Express Next ($3,180) earlier this month.
I had zero Comenity accounts at the time I applied for the Williams-Sonoma Visa in store. Now I have none. I'm not sure what the reason is, but it will probably be new accounts. In the last three months, I've added 3 Amex cards, 2 Chase cards, DCU, Wells Fargo, and Discover. At one point I had $50K of exposure with them on my store cards.
I think once I receive the reason in the mail, I will pay off the account, call them and ask them to remove the account and inquiry from my credit reports. If they won't budge, I'll make a ruckus with the Consumer Financial Protection Bureau, while it still exists.
I am confused.
You applied in store, got it, bought something, was expecting it to arrive, and then they axed it?
I am not getting clearly the sequence of events.
@TiggerDat wrote:I am confused.
You applied in store, got it, bought something, was expecting it to arrive, and then they axed it?
I am not getting clearly the sequence of events.
THAT is EXACTLY what happened to me....no Comenity cards, got a BJ membership in store they asked if I wanted to apply said yes...instant 25K limit, bought about $300 on card at BJ's get the card, paid down $150 went to use the card at gas station, no go, called they cancelled the card! all within about a 11 day time frame. They said nothing they could do "closed permanently" BUT I could reapply!? WHAT? No thanks, will NEVER get ANYTHING from that "bank" again, asked them to take off the inquiry they said no...end of story.... Sorry this happened to you too OP!!
@TiggerDat wrote:I am confused.
You applied in store, got it, bought something, was expecting it to arrive, and then they axed it?
I am not getting clearly the sequence of events.
You have the sequence of events correct. I applied in store, was immediately approved for the Visa at $4,000, and used it to make my purchase and get 20% off.
Now, 10 days later, I receive a MyFICO alert, telling me the account is closed.
If you're asking about the item I purchased, I walked out of the store with it - thus the $258 balance.
I'm really sorry this happened to you DeeBee78. The account closure may be due to all the new accounts you've opened in the past 3 months. I believe this was a common theme amongst folks reporting account closures last year.
You can ask Comenity to remove the account and HP, but I don't think you'll have much luck. This situation is unfortunate but you applied for the credit card so the HP and account information is valid.