Getting Comenity to Update CL Without Using Card

[Anonymous]

Hello all, long time lurker, first time poster on the forums.  I apologize in advance if this is in the wrong forum, but I wasn't quite sure the best place for it.

Anyway, I thought I had read an idea from someone on here a while back that I can't find, and I'm curious if it's plausible this would work.

I have several Comenity cards that I no longer really have the urge to use, but religiously ask for credit increases to help with utilization.  Of course since the cards have sat inactive for anywhere between 4-6 months, the credit limits being reported are understated.  We're talking about $4350!

HSN - $750 -> $1350

KingSize - $100 -> $750

Wayfair - $2400 -> $3000

BrylaneHome - $300 -> $1000

J.Crew - $250 -> $1450

Overstock - $450 -> $1050

The idea that I believe I read was this...sending a payment by mail, say for $5 or $10, having it post to the account creating a negative balance.  The thought was that this would get Comenity to update the credit bureaus with the updated limits.  And then after however long, Comenity would cut a check to return the overpayment.

Anyone have any experience with this?  Or will I need to be the guinea pig?  lol

[Anonymous]

I believe I read a post on here that someone would push a $1 payment through their bank bill pay to their Comenity accounts so that they would report.  And after so often they would send him a refund check.  I can't remember the post I read it on since I've been reading a lot on here lately.  The only thing is that by not using it I have read some issuers will close accounts that haven't been active in 6-12 months.  

[Anonymous]

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@Anonymous wrote:

Hello all, long time lurker, first time poster on the forums.  I apologize in advance if this is in the wrong forum, but I wasn't quite sure the best place for it.

Anyway, I thought I had read an idea from someone on here a while back that I can't find, and I'm curious if it's plausible this would work.

I have several Comenity cards that I no longer really have the urge to use, but religiously ask for credit increases to help with utilization.  Of course since the cards have sat inactive for anywhere between 4-6 months, the credit limits being reported are understated.  We're talking about $4350!

HSN - $750 -> $1350

KingSize - $100 -> $750

Wayfair - $2400 -> $3000

BrylaneHome - $300 -> $1000

J.Crew - $250 -> $1450

Overstock - $450 -> $1050

The idea that I believe I read was this...sending a payment by mail, say for $5 or $10, having it post to the account creating a negative balance.  The thought was that this would get Comenity to update the credit bureaus with the updated limits.  And then after however long, Comenity would cut a check to return the overpayment.

Anyone have any experience with this?  Or will I need to be the guinea pig?  lol

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I wouldn't be playing games with Comenity in any way, shape or form at this point, given the number of adverse things they have been doing to their customers.

Lay low and stay off their radar screen. Just my two cents.

[myjourney]

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@Anonymous wrote:

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@Anonymous wrote:

Hello all, long time lurker, first time poster on the forums.  I apologize in advance if this is in the wrong forum, but I wasn't quite sure the best place for it.

Anyway, I thought I had read an idea from someone on here a while back that I can't find, and I'm curious if it's plausible this would work.

I have several Comenity cards that I no longer really have the urge to use, but religiously ask for credit increases to help with utilization.  Of course since the cards have sat inactive for anywhere between 4-6 months, the credit limits being reported are understated.  We're talking about $4350!

HSN - $750 -> $1350

KingSize - $100 -> $750

Wayfair - $2400 -> $3000

BrylaneHome - $300 -> $1000

J.Crew - $250 -> $1450

Overstock - $450 -> $1050

The idea that I believe I read was this...sending a payment by mail, say for $5 or $10, having it post to the account creating a negative balance.  The thought was that this would get Comenity to update the credit bureaus with the updated limits.  And then after however long, Comenity would cut a check to return the overpayment.

Anyone have any experience with this?  Or will I need to be the guinea pig?  lol

---

I wouldn't be playing games with Comenity in any way, shape or form at this point, given the number of adverse things they have been doing to their customers.

Lay low and stay off their radar screen. Just my two cents.

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+100

Welcome to the forum Triley215

The things you're suggesting to do will in fact cause UW or others to look into your accounts .....Bad move 

Since you're new I feel the need to stress some points based solely on your post 

1) You keep asking for CLI's "religiously ask for credit increases to help with utilization."

This suggest that you are using the cards as padding instead of paying off balances in full ....bad move again 

2) lately Comenity is closing peoples accounts for any given reason and your giving them one or more 

3) Not even sure where you read this info you're trying and I truly hope it wasn't here but I strongly suggest you abandon this thinking and learn the proper way to use credit as well as how to manage your accounts to best suit your lifestyle 

[Anonymous]

Agree that there has been quite a few cases of account closures with Comenity lately so it's not worth the risk.  

[Anonymous]

I agree with everyone else; it's best not to bring attention to yourself with Comenity right now. The best way to get them to report is to make a small purchase with each card. After the purchase they will report for 2-3 months, and then stop reporting again, so you'll have to make another purchase again next time you want them to report. I think they do this on purpose to keep you spending on their cards... lol