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Comenity Store Cards --> Visa Versions?

Established Contributor

Comenity Store Cards --> Visa Versions?

Does anyone know if Comenity automatically converts their store cards to the Visa/MC versions after a certain amount of time?  If they don't, how does one get the Visa/MC version if they have they have the basic store versions?


Moderator Emeritus

Re: Comenity Store Cards --> Visa Versions?

They do, but it's very infrequent.  There have been less than a dozen or so instances where members have reported the unsolicited upgrades (in-store or online), except for Wayfair in which only a select number of store version accountholders were migrated to Comenity's 'in-house' MC due to the portfolio migrating to Citi Retail.


There's no rhyme or reason on how or when Comenity decides internally which accounts get the upgrades to V/MC.  Similarly, upgrades from Platinum Visa/MC to Visa Signature or World MC.


Sometimes we've seen folks close their store versions, let time pass, then reapply in the hopes of getting the V/MC version.  Sometimes that works, but other times it does not 🤷‍♂️

Message 2 of 3
Senior Contributor

Re: Comenity Store Cards --> Visa Versions?

Which cards? On top of what @FinStar has clarified, Comenity is losing quite a few cobrand cards. So it may be a moot point.

Smiley Happy

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