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Yet another comeity shutdown!!

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Anonymous
Not applicable

Yet another comeity shutdown!!

Applied and received BJs elite perks card last month. 

1 statement cuts and account closed for excessive IQs

 

13 IQs on EQ which they pulled. Only 2 on EQ this year and they were one. 

 

Researched SPs on other CBs and found a company called alliance data

SPulled me on 4/27 from EX. The day of the AA.

 

Called and closed wayfair and overstock so now I have no exposure 

with them at all. 

 

You never think it will happen to you. Comeity is an enigma. 

Message 1 of 34
33 REPLIES 33
pizza1
Community Leader
Super Contributor

Re: Yet another comeity shutdown!!

ugh! So Sorry Miesterbro! Comenity isn't making many friends. Smiley Sad
Message 2 of 34
Anonymous
Not applicable

Re: Yet another comeity shutdown!!

How many of these 3 cards were SCT and how many were apps with HPs?

 

What time frame did you apply for all 3?

Message 3 of 34
Anonymous
Not applicable

Re: Yet another comeity shutdown!!


@Anonymous wrote:

How many of these 3 cards were SCT and how many were apps with HPs?

 

What time frame did you apply for all 3?

Wayfair and overstock were SCT from about a year and a half ago. 

BJs was a cold app in march. 

Message 4 of 34
jason0618
Frequent Contributor

Re: Yet another comeity shutdown!!

Y'all make me want to close my Victoria's Secret and overstock card. I've just closed jcrew and Express in the pst few months. Vs and pverstock are both about 9 months old. Overstock gave me a random $50 cli last month and vs is still at $250.
Scores as of 04/2021





Gardening until further notice
Message 5 of 34
Anonymous
Not applicable

Re: Yet another comeity shutdown!!


@pizza1 wrote:
ugh! So Sorry Miesterbro! Comenity isn't making many friends. Smiley Sad

Thanks Ms Pizza.  They shut down a card that I found very usable. 

$12500 CL and a $200 bal not due. 

 

This wont effect my util.  Just sucks because I liked the card. 

 

Rarely used Wayfair or overstock. 

Message 6 of 34
fltireguy
Valued Contributor

Re: Yet another comeity shutdown!!


@Anonymous wrote:

Applied and received BJs elite perks card last month. 

1 statement cuts and account closed for excessive IQs

 

13 IQs on EQ which they pulled. Only 2 on EQ this year and they were one. 

 

Researched SPs on other CBs and found a company called alliance data

SPulled me on 4/27 from EX. The day of the AA.

 

Called and closed wayfair and overstock so now I have no exposure 

with them at all. 

 

You never think it will happen to you. Comeity is an enigma. 


Alliance Data SP'ing you makes a lot of sense - ALLIANCE DATA IS COMENITY!

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 7 of 34
Anonymous
Not applicable

Re: Yet another comeity shutdown!!


@fltireguy wrote:

@Anonymous wrote:

Applied and received BJs elite perks card last month. 

1 statement cuts and account closed for excessive IQs

 

13 IQs on EQ which they pulled. Only 2 on EQ this year and they were one. 

 

Researched SPs on other CBs and found a company called alliance data

SPulled me on 4/27 from EX. The day of the AA.

 

Called and closed wayfair and overstock so now I have no exposure 

with them at all. 

 

You never think it will happen to you. Comeity is an enigma. 


Alliance Data SP'ing you makes a lot of sense - ALLIANCE DATA IS COMENITY!


I thought so when th SP came from Columbus OH. And their websites look the same. 

Message 8 of 34
AverageJoesCredit
Legendary Contributor

Re: Yet another comeity shutdown!!

Dang my friend that stinks. The inq excuse is crazy, 13 inqs isnt too bad , heck i still have more on my EX.

It seems as if Comenity store cards and visas/mcs dont mix. I have 3 cards backed by Comenity but i know im 100% sure i wont apply anymore again. 2 i basically use as buffers but will be closed when i begin my scaleback and the only worthwhile one i have is Paypal Credit. Even that i dont want to abuse.

Like our good friend Humu likes to say Just Say No to ComenitySmiley Wink
Message 9 of 34
CreditCuriosity
Moderator Emeritus

Re: Yet another comeity shutdown!!

Ya comedy is a weird beast.. They don't touch store cards, but majors they are shutting you down for pretty dumb reasons when people actually want to use those cards!  I can understand if someone doesn't use the cards, but when they do it is just bad business IMO if their profile supports the card.  Hopefully BJ's and other decent cards such as AKC they offer renegotiate their contracts with other more stable lenders when they are up for renewal

Message 10 of 34
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