why me? Comenity TR showing closed on CR but open when I login?

[ddemari]

Same with all my closed visa MasterCard comenity cards. They are closed but showing an available limit but they are really closed lol.

[jeffm4688]

Looks like the cards have been AA'd. Credit karma updated and shows my three Visa/MC accounts with them as closed as of June 1st due to "too many INQ". I have a ton of INQ (56 at time of writing) however I had 52 when I app'd and got approved for these cards. Why it makes sense to approve me with that many INQ's not even two months prior and then all of a sudden makes no sense. I put a few thousand through each card and PIF.

I guess I'll now have to fight for a refund on the annual fee for the virgin america visa. I also put a $900 transaction on it they day before they closed it to meet my spend bonus, wondering what my chances on that are. 

Ironically it seems my 17K Jcrew has survived, and I closed 3 other store cards totalling about the same exposure as the new ones a week prior as I didn't use them anymore (and refuse to sign up for any more store cards anyway).

I'll most likely close my JCrew depending on how I feel in the morning, but I guarntee you I will not use it again.  

[Anonymous]

I wouldn't say it's closed until you get an answer from them.  I've had a few of my cc's close & reopen in just a slightly different name.  No big deal.  All was still the same.  

[jeffm4688]

This is the answer provided by them. 

[Anonymous]

I agree.  You would not see that available credit if  it was closed.  It would say 0.  I do get a message from time to time stating "time out" (no pun intended) which I think means they're doing some maintenace on their sites.  Cause all of my cards when I try to log in will say the same thing but it's all normal in a few hrs.  I would see what happends tomorrow.

[Benzman]

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@jeffm4688 wrote:

Looks like the cards have been AA'd. Credit karma updated and shows my three Visa/MC accounts with them as closed as of June 1st due to "too many INQ". I have a ton of INQ (56 at time of writing) however I had 52 when I app'd and got approved for these cards. Why it makes sense to approve me with that many INQ's not even two months prior and then all of a sudden makes no sense. I put a few thousand through each card and PIF.

Ironically it seems my 17K Jcrew has survived, and I closed 3 other store cards totalling about the same exposure as the new ones a week prior as I didn't use them anymore (and refuse to sign up for any more store cards anyway).

I'll most likely close my JCrew depending on how I feel in the morning, but I guarntee you I will not use it again.  

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Happened to me as well awhile back. Comenity approved three MC/Visa cards with me having 29 inquiries at the time, then closed all three a month later due to "too many inquiries". They never touched my Overstock or Paypal Credit accounts. They seem to only be concerned on MC/Visa, and could care less on the store cards. They usually never get closed from what I have seen.

[Creditplz]

All my chase cards were closed today AA, and they still show available credit online.. I think they closed it :/ you can try making a purchase for $1 and see if it goes through.

[Anonymous]

Mine was the same until today.  Closed one account and it took forever to finally report as closed.  It also showed that I still had available credit.

[someg33k]

FYI - I closed all but one of my Comenity cards quite a while ago, and they still all show available credit.

Sorry OP ,  but that's how Comenity rolls...  They will approve you and then shortly after shut you down. This forum and others are full of stories much like yours.

Don't dwell on it and take it personally. You appear to have many other cards that are with much better lenders than they are, be glad of that and put this behind you.

I know it stings initially and is upsetting. You will be better off without them in the long run though.

[Anonymous]

Why on earth are all these accts in good standing getting closed?   It really doesn't make any sense.  If you had a bunch of inq's before you app'd, they knew approving you.  Maybe something major happened with them and they're looking at certain accts and thinking they might lose some $$$

Not my opinion but:  lots of inq's (more than you were approved with) plus many accts totaling 100k or more = that you could possibly charge on them all and not pay?  Haven't figured out how some of these banks think lately.  But you can best believe it has something to do with our economy.