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How many Comenity cards do you have?

mommydiva
Regular Contributor

Re: How many Comenity cards do you have?

Gotcha.  Thanks for the clarification!  Hopefully my newly approved Comenity cards will be upgraded to Visa or MC version within the next year.

Message 41 of 54
AverageJoesCredit
Community Leader
Mega Contributor

Re: How many Comenity cards do you have?


@GApeachy wrote:

@mommydiva 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 @mommydiva  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.  

Message 42 of 54
BrutalBodyShots
Super Contributor

Re: How many Comenity cards do you have?

I've got 0. 

 

Never had one, more than likely never well as I've never seen value in any of them.

Message 43 of 54
GApeachy
Super Contributor

Re: How many Comenity cards do you have?


@AverageJoesCredit wrote:

@GApeachy wrote:

@mommydiva 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 @mommydiva  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.

"My Take Home Pay Don't Take Me Home"
Message 44 of 54
Msjonesclt
Established Member

Re: How many Comenity cards do you have?

I have two. Helzberg and Land Bryant.

Message 45 of 54
GrandBaker
Valued Member

Re: How many Comenity cards do you have?

Zero

Message 46 of 54
FinStar
Moderator

Re: How many Comenity cards do you have?

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 Smiley Very Happy

Message 47 of 54
BrutalBodyShots
Super Contributor

Re: How many Comenity cards do you have?


@FinStar wrote:

 

And, then we have Blispay, which is technically managed under Comenity/CCB, but who knows what will come out of that one Smiley Very Happy


Forgot about that change... so I guess technically I've got 1.

Message 48 of 54
LaHossBoss
Valued Contributor

Re: How many Comenity cards do you have?


@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.




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Message 49 of 54
joltdude
Community Leader
Senior Contributor

Re: How many Comenity cards do you have?

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

 

Message 50 of 54
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