Nice one...many moons ago Discover set itself apart with 'life of the balance' BT promo offers. Extension of current promo sounds atypical as well, how'd it come about? ... View more

In general no fee cards should be open at least 24 months, wait until then unless prefer not to for some reason. ... View more

No doubt "irresponsible purchases" are PIF in any case, or the (retroactive) fee burden could get weird . ... View more

It could only be a few weeks/months, IIRC it's a relatively new product offering from Synchrony bank. In any case, CLI can be had prior to receipt of card with Synch. ... View more

duplicate ... View more

It can be a slippery slope but do like the idea of HTL and would prefer it having never paid interest on one. I hope not to, ever but with just one false move, it's a toe trap.   CareCredit while not a HTL, has been 0% promo ready for vet expenses for the past 8 or so years, nonetheless, the price to pay with a misstep (retroactive 2X.99) is too high (usurious) IMHO. ... View more

Seems unlikley gen pop know or care if it's hidden, imagine those who do are just a small subset of card holders. ... View more

If you prefer a higher CL on this card, it can't hurt to try...keep in mind overall exposure with Synch across cards is generally about 100k give or take. FWIU requests >25k may be more likely to prompt doc requests in recent times.YEMV.  ... View more

omg just use the flippin' card NOW for ANY purchase and hope it resets status to reissue at expiry, regardless of what Chase said...the longer you merely theorize use the closer to shut down...whining to EO, etc goes nowhere-- the card has been inactive for 10 years for heavans sake, that's a lucky run. Chalk it up to experience and use cards every so often and PIF. We don't get to keep cards open indefinitely because we like the age, it's use it or lose it. ... View more

With Paypal Credit or Amazon the balance remaining after return credit is held at promo terms. ... View more

https://www.youtube.com/watch?v=Eo-KmOd3i7s ... View more

What's with the misapplied canned responses? Bizarre. ... View more

@kdm31091 wrote: I think it sounds like there's no love lost here with closing the card, and that's fine, but it's no worse than most other major rewards cards as far as carrying a balance. 15 percent or 25 percent, either way, rewards are washed out. I also find the Comenity hate puzzling. Yes there was a wave of AA (which occurs with any lender). I'm not saying they have wonderful products, but if your profile is "risky" and apt to cause AA, ditching comenity isn't the real solution. The solution is to fix whatever makes you a risk in the eyes of creditors, because none of the AA was unique to comenity. Other creditors shut people down without warning too. Anyway, OP seems happy with the decision, and trimming down is never a bad thing :). Being a little "sad" and listing reasons it was good seemed to indicate mixed feelings and at least a lil bit of love lost. In any case, tread lightly, apparently these threads are expressly open as a vehicle for congrats, deeper observation or inference may be promptly deemed "negative" and dismissed with a canned response, puzzling indeed. Oh well, alls well that ends well. ... View more

Your mod looks cool, you mentioned silver--they've also got metallic sharpies in silver, gold, bronze, etc      ... View more

@Anonymous wrote: @score_building wrote: Consider moving to act based primarily on your relationship/ experience with an issuer/product vs posts that may not include full disclosure or be directly applicable to your relationship with a lender. Sorry that you seem to have a negative outlook on things, but I plan my account openings and closures based upon my overall plan and strategy, and not for any other reason. This fits very well with my plan. :) Not at all humu, seems a misunderstanding to find a post highlight to base actions on ones own experience anything but affirmative. I am pleased to hear you are moving to act in accordance with what works for you and fits with your plan Sorry if that wasn't clear. ... View more

Consider moving to act based primarily on your relationship/ experience with an issuer/product vs posts that may not include full disclosure or be directly applicable to your relationship with a lender. ... View more

IMHO it's a waste to lose no-AF tradelines once they report.  ... View more

@BeeH11 wrote: Ugh! I hope this isn't something they are going to be doing on all their cards! My Express card is my oldest card and I dont want to close it. I don't shop there much anymore and I havent used it in probably over a year at least. I don't want to have to go buy something I don't need either to keep it open. Use it or lose it is SOP, not just a Comenity thing.   The majority of issuers just don't fuss with a heads up notification...returning a purchase is an option, since it generally counts as use. ... View more

@taxi818 wrote: @UncleB wrote: @Anonymous wrote: So are you guys just "spending" money on things you dont really need to keep them open? Sounds like it's not worth it to me. I have one Comenity card and that's for Victoria Secret should they send me a letter saying if I don't use it, I'll lose it then they can have the card back! I refuse to spend money just to spend money or trying to keep an account open. I don't know about others but I like to stick to my budget and save my money. My cards are just there so I can earn cash back, rewards and stuff.  I don't think anybody here advocates spending money only to keep a credit line alive.    I have a large (to me) Lowe's credit line that is generally unused but I know in the future I will have a need for it.  To make sure it stays open, I make a trivial purchase every four to six months at my local Lowe's - my last purchase was $4.  It's not an amount of money that impacts my budget; it can even be for a soda or a candy bar.   If the account was going to be useless indefinitely I would simply allow it to close, but since I know I will have a need for it it's worth the minimal "effort" to keep it alive.  Spending significant amounts of money at a store or online merchant soley for a credit line would of course be foolish, though.   Im not advocating it But for sure i buy socks every 6 months to keep my jcrew alive. They have enough good sales and well-annointed clothing across categories, for me to find other things besides just socks from time to time but whatever works, I agree it's a keeper. ... View more

@Anonymous wrote: So are you guys just "spending" money on things you dont really need to keep them open? Sounds like it's not worth it to me. I have one Comenity card and that's for Victoria Secret should they send me a letter saying if I don't use it, I'll lose it then they can have the card back! I refuse to spend money just to spend money or trying to keep an account open. I don't know about others but I like to stick to my budget and save my money. My cards are just there so I can earn cash back, rewards and stuff.  I don't apply for cards if not going to use them, or where am not a regular customer, so this isn't an issue. ... View more

Nice, rare to get this type of courtesy notice from an issuer if not mistaken, haven't let cards go dormant for long stretches so far but would appreciate a heads up before an unplanned closure by issuer. I've seen a couple of posts from others who have received a similar notice from Comenity. Now go put that card to work B335is! ... View more

Carrying balances on store cards is huge fee burden. ... View more

@Anonymous wrote: does this apply accross all of their cards, example cobranded jetblue and apple or just the ring? Any card that Barclays issues, have heard some anecdotal evidence the Ring may be somehat more stringent UW with lower SLs but humus post applies across products (and to major issuers in general). ... View more

@Anonymous wrote: Not hastily makin that decision ... however, wouldn't it look nicer to new creditors or current ones ... who do look at # of new accounts as a negative, yes it still shows as a new account and I took the hit for that already but again, if a creditor looked further and seen that new account as closed,.i dont think it would be as bad with those creditors who do consider amount of new accounts in last 12 mos, also wouldn't show as many "open" accounts on my report ... but appreciate everyone's input and Im takin my time to consider this decision....thanks.. Incorrect, any consequences from real or imagined AA from too many apps was set in motion and won't be reversed in any meaningful way by closure. To close a card right after app due to fear of AA misses the decisive point and the benefits, sorta throwing the baby out with the bath water.   Consider these things prior to app or let it roll, worrying/ closure after the fact really doesn't change the situation in any affirmative way.               ... View more

@UncleB wrote: @score_building wrote: Sorry to hear first SCT ever was an epic fail open and close wasted INQ and AAoA hit I wouldn't say it was an 'epic' fail... the OP learned something from the experience.  Anytime knowledge is gained, all's not lost.  Yes indeed...just in light of thread title 'fail' to get desired results: to use SCT not knowing which card applied for, receive a high limit approval then close after excellent results--with post app discovery that 1st SCT ever wasn't for the FNBO card seems epic--though fail is the wrong word, perhaps epic SCT lesson?  ... View more

Sorry to hear first SCT ever was an epic fail open and close wasted INQ and AAoA hit ... View more

Am with you on this one B335is, really nice grower, with no hassle rewards and recent APRD to tier 1, it's a keeper. ... View more

Comenity: 1. Barneys 2. JCrew (SCT) 3. AKC Visa (Tier 1 Apr 12.xx)   Avg CL: 25k Length of relationship: >5 yrs Closures: 0 AA: None to date   Serviceable issuer within reason and decent addition to almost any diverse profile, in moderation.  A basic rule of thumb of up to 3-5 max store cards across issuers is an effective guideline for most...echo what others have said, basically use to your benefit. Be selective while exercising restraint, rebuild mode really isn't an excuse to app with abandon.   Avoid getting caught up with the Comenity love/hate drama, not infrequently prompted by overzealous apps, sometimes prone to release their responsibility for a situation in favor of distaste for the issuer's response to it (in the form of AA).   ... View more

Nice ones!  ... View more