Overpay Comenity Card ...

[Andy77]

I was recently approved for a Comenity Caesars Visa with a 1k limit. I am happy I was approved, but the limit is a little low as I usally run about 6k through one card a month and PIF before the statement cuts.

I want this card to be my daily driver.

So, since my limit is low, can I over pay ?  If my balance is zero and I mail in a check for 2k or 3k or try push a payment from my bank to the card ?

Any suggestions on how I can use the card without having to make a zillion payment(s) just to use the card ?

I tried for a CLI and got the 7-10 day notice so getting a cli won't work right now.

Thank you !!

UPDATE 6/4 - https://ficoforums.myfico.com/t5/Credit-Cards/Comenity-Closed-My-5-Day-Old-Account/td-p/6343383

[Red1Blue]

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@Andy77 wrote:

I was recently approved for a Comenity Caesars Visa with a 1k limit. I am happy I was approved, but the limit is a little low as I usally run about 6k through one card a month and PIF before the statement cuts.

I want this card to be my daily driver.

So, since my limit is low, can I over pay ?  If my balance is zero and I mail in a check for 2k or 3k or try push a payment from my bank to the card ?

Any suggestions on how I can use the card without having to make a zillion payment(s) just to use the card ?

I tried for a CLI and got the 7-10 day notice so getting a cli won't work right now.

Thank you !!

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First thing. Congrats for getting the card approved. My suggestion is take it easy with the card and let it start building history. Keep the usage under 30% and then pay. It is best to pay it using your bank billpay or using the Comenity online access and pay off the account. Normally the CLI requests are after 4-6 months of having the card. My suggestion enjoy the card and cherish the moment. I am sure your card will grow with time.  Good Luck.

[Andy77]

Thank you. It is going to be really, really hard to keep the balance at or under 300.00 a month. I will have to make 15 payments a month.

[FinStar]

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@Andy77 wrote:

I was recently approved for a Comenity Caesars Visa with a 1k limit. I am happy I was approved, but the limit is a little low as I usally run about 6k through one card a month and PIF before the statement cuts.

I tried for a CLI and got the 7-10 day notice so getting a cli won't work right now.

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Typically for most Comenity V/MC, the earliest timeframe is around ~6 months in the event the account didn't qualify for one from the get-go.  Just something to keep in mind.

[W261w261]

I was in your position exactly for 6 months with an Amex EDP 1k. At that level, the pending charges are high as a %age of the SL, and the bank won't allow a payment that is greater than the actual balance. Spend 800,now only 200 left available. Amex would let me push a payment for say 600, then the balance would show -400. I was advised to not get in the habit of doing this, as it a technique used by bust-out scammers. Once I bought a set of tires for 1000,called customer svc and asked if they would let me make a payment of 2000 so I would still have 1000 avail net the pending. They said OK, if fact I did it twice more. Finally I got a Gold Card and my worries were over.

Bottom line push will work but you're in a kind of grey area. You don't want Comenity to cook up an AA because of it. That's why I called CS when I needed to make a bigger purchase(s).

Why not try for another card, maybe through a credit union?