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@Medic981 wrote:Not a fan of Comenity
I was gonna crack an A/C (Air Conditioning) joke, but nevermind.
Do you mind telling me what went wrong for you with comenity?
@Anonymous wrote:
I have two retails from them, opening in July and September of last year. Have had them paid off, have carried balances, have used promos. I’ve gotten regular CLIs on both, to many multiples of their SLs (both started at $500, one is now $2500 and one is $3700).
I’ve had no issues. What I have seen in many tales was people opening several retail cards in a shorter-than-smart timeframe, and then getting a V/MC from them also, and being subsequently shut down. I believe the AA closures simply are from abuse of the SCT in the past and opening more lines than one’s profile could support. Most SCT abusers were fairly early rebuilders from what I can recall, with low 600s, who were snapping up any possible credit like kids on Halloween candy, and paid the price for getting too much too soon.
Unfortunately it's not that simple. Comenity can and has shut customers down who never had a Comenity card and got a V/MC card for too many new accounts. It's the only reason I never applied for the WS VISA and why I'm not going to go for Sony or PlayStation in November but rather wait til February.
Case in point, this was just posted today.
Approved and then shut down for inquiries.
I have the Comenity BJs card, had it for about 3 years and have had ZERO issues. They are good with soft pull CLI and also $0 offers to transfer balances to them for 18 to 20 months with $0 APR. I honestly can't say enough nice about them because they've treated me great. I originally got it just to save 10 cents on gas, but I never expected I'd like it for anything else. I couldn't resist the balance transfer offer they gave me, that was unexpected, especially when everyone else had a 3% or more transfer fee.
@PutThatMoneyOnTheTable wrote:
@Medic981 wrote:Not a fan of Comenity
I was gonna crack an A/C (Air Conditioning) joke, but nevermind.
Do you mind telling me what went wrong for you with comenity?
I opened up an Adorama CC to take advantage of 0% financing for 6 months. I set up bill pay through NFCU to pay on the account. My first payment was posted 8 days late. NFCU investigated and found that they sent a paper check (Comenity didn't allow for ACH payment) 4 days before the bill was due. Comenity states they didn't get the payment until 8 days past the due date. Comenity refused to return the late payment so I canceled my Adorama account and immediately paid off the account.
This is why I am not a fan of Comenity.
So to say the least, I will never knowingly open a credit account with Comenity again.
@Anonymous wrote:I have the Comenity BJs card, had it for about 3 years and have had ZERO issues. They are good with soft pull CLI and also $0 offers to transfer balances to them for 18 to 20 months with $0 APR. I honestly can't say enough nice about them because they've treated me great. I originally got it just to save 10 cents on gas, but I never expected I'd like it for anything else. I couldn't resist the balance transfer offer they gave me, that was unexpected, especially when everyone else had a 3% or more transfer fee.
Nice to know that the 0% BT offers also applies to the BJ's card. 10 cents on gas is great. We spend on average $300-500 per month on groceries.
@Medic981 wrote:
@PutThatMoneyOnTheTable wrote:
@Medic981 wrote:Not a fan of Comenity
I was gonna crack an A/C (Air Conditioning) joke, but nevermind.
Do you mind telling me what went wrong for you with comenity?
I opened up an Adorama CC to take advantage of 0% financing for 6 months. I set up bill pay through NFCU to pay on the account. My first payment was posted 8 days late. NFCU investigated and found that they sent a paper check (Comenity didn't allow for ACH payment) 4 days before the bill was due. Comenity states they didn't get the payment until 8 days past the due date. Comenity refused to return the late payment so I canceled my Adorama account and immediately paid off the account.
This is why I am not a fan of Comenity.
So to say the least, I will never knowingly open a credit account with Comenity again.
Sorry you had to go through that, but that's some valuable information. I'll make a purchase and do a test payment to find out if they do ACH with my checking account. If it's paper check I'll have to schedule my payments days ahead or find out what bank they are ACH compatible with.
@PutThatMoneyOnTheTable wrote:
@Medic981 wrote:
@PutThatMoneyOnTheTable wrote:
@Medic981 wrote:Not a fan of Comenity
I was gonna crack an A/C (Air Conditioning) joke, but nevermind.
Do you mind telling me what went wrong for you with comenity?
I opened up an Adorama CC to take advantage of 0% financing for 6 months. I set up bill pay through NFCU to pay on the account. My first payment was posted 8 days late. NFCU investigated and found that they sent a paper check (Comenity didn't allow for ACH payment) 4 days before the bill was due. Comenity states they didn't get the payment until 8 days past the due date. Comenity refused to return the late payment so I canceled my Adorama account and immediately paid off the account.
This is why I am not a fan of Comenity.
So to say the least, I will never knowingly open a credit account with Comenity again.
Sorry you had to go through that, but that's some valuable information. I'll make a purchase and do a test payment to find out if they do ACH with my checking account. If it's paper check I'll have to schedule my payments days ahead or find out what bank they are ACH compatible with.
Payments can also be made (or pulled) directly from the Comenity website. I've had no issues doing so. That said, if you are pushing payments directly from your own institution, it's best to test things out to learn what the typical delivery/posting timeframe is. I would never assume that any institutions would handle it via ACH as banks/CUs have their own Bill Pay agreements and funds settlement process. So, in the above scenario, it's always good to learn beforehand how some payments are made/delivered to a variety of payees.