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Gotcha. Thanks for the clarification! Hopefully my newly approved Comenity cards will be upgraded to Visa or MC version within the next year.
@GApeachy wrote:
@Anonymous wrote:I don't think I realized that Comenity offered non-store cards/Mastercards.
@GApeachy wrote:Ive had their cards since the early 90's and never more than 2 at a time except once. After reading here in the forums about poking the Comenity bear with the mix of cc's vs. sc's and how many, I quickly closed #3. I mostly app for their cc's but do miss my Wayfair and Goody's, which happened to be sc's and my two most fav and missed tl's to date.
I currently have:
Good sam Vs- $18k
Comenity Mc- $14.5k
@M_Smart007 have you ever tried the SCT?
Hey @Anonymous technically they are store cards. Those "dual" cards are credit cards but they're still store cards. A lot of the Comenity serviced store brands offer either the Visa (GoodSam/WilliamsSonoma/etc.) or Mastercard (Ultamate/etc.) Same thing with Synchrony and their backed stores. Dual meaning you can use them anyway Visa/Mc is accepted.
Because they are Visa and Mastercard they become bankcards not store cards , imo. Yes it can be semantics saying its a store card because its a _____ card but its characteristics change once its accepted other places and uses the Visa/MC/Amex networks.
I've got 0.
Never had one, more than likely never well as I've never seen value in any of them.
@AverageJoesCredit wrote:
@GApeachy wrote:
@Anonymous wrote:I don't think I realized that Comenity offered non-store cards/Mastercards.
@GApeachy wrote:Ive had their cards since the early 90's and never more than 2 at a time except once. After reading here in the forums about poking the Comenity bear with the mix of cc's vs. sc's and how many, I quickly closed #3. I mostly app for their cc's but do miss my Wayfair and Goody's, which happened to be sc's and my two most fav and missed tl's to date.
I currently have:
Good sam Vs- $18k
Comenity Mc- $14.5k
@M_Smart007 have you ever tried the SCT?
Hey @Anonymous technically they are store cards. Those "dual" cards are credit cards but they're still store cards. A lot of the Comenity serviced store brands offer either the Visa (GoodSam/WilliamsSonoma/etc.) or Mastercard (Ultamate/etc.) Same thing with Synchrony and their backed stores. Dual meaning you can use them anyway Visa/Mc is accepted.
Because they are Visa and Mastercard they become bankcards not store cards , imo. Yes it can be semantics saying its a store card because its a _____ card but its characteristics change once its accepted other places and uses the Visa/MC/Amex networks.
They are also referred to as Open-loop or Closed-loop store cards. Hence "dual card" which is often written as such on credit reports.
I have two. Helzberg and Land Bryant.
Zero
Currently 5:
Orbitz VS
Bed Bath & Beyond WMC
DSW VS
Sportsman's Guide VS
J Crew
I used to have an additional 8, but I closed some them in the past few years due to the termination of the PLCC partnership and/or stores closing shop (e.g. Virgin America VS, True Value Discover, Barneys New York, Elder-Beerman, etc.).
And, then we have Blispay, which is technically managed under Comenity/CCB, but who knows what will come out of that one
@FinStar wrote:
And, then we have Blispay, which is technically managed under Comenity/CCB, but who knows what will come out of that one
Forgot about that change... so I guess technically I've got 1.
@Guyatthebeach wrote:I'm curious to see how man Comenity cards everyone has. I wonder if they have a limit?
Currently I have 7 and majority were opened so Mrs. Guyatthebeach can go shopping, and I use the zero interest promos, while I pay them.
They are:
Bed, Bath, and Beyond store card
Kay Jewelers
Victoria's Secret
Williams and Sonoma Visa
Good Sam's Visa
Sportsman Guide Visa
Toyota Visa
Guyatthebeach
2: VS and WS, which is 1 too many.
The WS is worthless to me. Can't buy a kitchen knife with my CL and will never get a CLI since SageStream is frozen, so not worth the effort, really. Once I get a replacement I will shut it down.
I use the VS regularly, it has not been terrible and at least has a useable CL.
I do not see any other Comenity cards in my future.
I was going to ask if that counted because you never could use the card under Comenty...
So I have one by default....
Blispay... Iv never apped for one, and still on the fence if i would....
-J