Question on Comenity CLI/Usage to Report

[Anonymous]

Do I need to let the balance actually report to the Cra's to get my CLi to update or just use the card? I bought something to make it report but I have not paid in full yet and it is driving my insane having a balance on a card. Do I need to wait for the statement or can I pay if off now? Conflicting answers I have found.

Thanks

[dbw79]

Good Morning,

No, you do not have to let the balance report to have Comenity update. I do this all the time with my Comenity cards. As long as you use it, once the charges post to your account, go ahead and make the payment. It will still generate a statement, with a zero balance, and that will force Comenity to update your cl to the bureaus.

[AverageJoesCredit]

I find them bipiloar at times. Sometimes super slow to report even if you buy something and then pay it off wherher it be same month or 1 or 2. However when i got my most recent cli, i figured id have to buy domething to show but lo and behold , they updated the new cl pretty fast flip a coin i say

[Anonymous]

Lmao Joe.... bipolar. Ahhhh I needed that.

Thx to both of you for the replies.

[Anonymous]

I find I can get monthly CLIs from Comenity across all of the accounts I have (it seems to have dropped to every 32 days as of December).  I have had them go three months without updating CLIs on my CR, then get a huge bump in the fourth month.

'tis a funny bank, truly

[MrsCHX]

For me I have to buy something and let a balance report. E.g. I got a +$400 increase on VS. no update. So when I bought something this time I spent $67, paid $47 (obviously you can pay whatever), the statement will cut with a $20 balance and then I'll pay it before the due date. So still no interest.

[Anonymous]

So MrsCHX you have to let the balance report on a statement for yours to update? Weird how this isn't consistent around. Maybe I shouldn't have paid this yesterday. Gusss time will tell. I want this one to report because last month did not since I didn't know you needed to use it for Comenity. I never use this **bleep** card but I won't cancel it till it is a year old and I have made up the limit with a CLI on a different card, and I was going to this month but I was denied for my 6 mo CapOne CLI. Grrrr

[rmduhon]

For what it's worth, I've never had to leave a balance to get our Comenity accounts to report, just needed activity.

[MrsCHX]

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@Anonymous wrote:
So MrsCHX you have to let the balance report on a statement for yours to update? Weird how this isn't consistent around. Maybe I shouldn't have paid this yesterday. Gusss time will tell. I want this one to report because last month did not since I didn't know you needed to use it for Comenity. I never use this **bleep** card but I won't cancel it till it is a year old and I have made up the limit with a CLI on a different card, and I was going to this month but I was denied for my 6 mo CapOne CLI. Grrrr

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Haha! Yes. But of all card issuers Comenity is definitely a ymmv. I spent $120 at Ann Taylor after an increase but paid in full. No update to my reports with the new balance. 

But I am thinking of closing all of my Comenity cards except for Pier1. I just love Pier1. LOL! All of my cards are 1 year old in March. I've gotten increases only on VS ($350 to $750) and AT ($250 to $500). Will not budge outside of those 2, which took 9 months to get.  Meanwhile my WalMart is at $6,000 from $150, Amazon is at $4,000 from $700, TJ Maxx and AE are at $3,500 from $250 and $350. Synch loves me. Comenity hates me. And I'm starting to hate them back 

[Anonymous]

acitvity of any kind seems to be the key for me, too. Even pushing a $1 payment from my bank account without anything on the card has generated a statement before to reflect a CLI. After a few months of doing that (I had big CLIs for a few months) I got a rebate check from the Comenity account.