New Credit Card Details (Comenity Capital Bank)
#391
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,904
If you make the change online, they charge it (actually, they just put less money in your travel bank) and then credit you. If you call in they just put the whole amount in your travel bank.
Some people (particularly those who don't fly very often) might prefer waiting for the statement credit (since you get cash back instead of travel bank funds).
Some people (particularly those who don't fly very often) might prefer waiting for the statement credit (since you get cash back instead of travel bank funds).
#392
Join Date: Jan 2015
Location: LHR
Programs: AA
Posts: 773
If you make the change online, they charge it (actually, they just put less money in your travel bank) and then credit you. If you call in they just put the whole amount in your travel bank.
Some people (particularly those who don't fly very often) might prefer waiting for the statement credit (since you get cash back instead of travel bank funds).
Some people (particularly those who don't fly very often) might prefer waiting for the statement credit (since you get cash back instead of travel bank funds).
#393
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,904
Unfortunately, since they "improved" their web site, it's not very reliable.
#394
Join Date: Jan 2015
Location: LHR
Programs: AA
Posts: 773
Yep, that was it. And yeah I've noticed the same thing.
#396
Join Date: Dec 2013
Posts: 30
If you make the change online, they charge it (actually, they just put less money in your travel bank) and then credit you. If you call in they just put the whole amount in your travel bank.
Some people (particularly those who don't fly very often) might prefer waiting for the statement credit (since you get cash back instead of travel bank funds).
Some people (particularly those who don't fly very often) might prefer waiting for the statement credit (since you get cash back instead of travel bank funds).
#398
Join Date: Apr 2010
Posts: 114
Over the weekend my card was suspended due to a $7 transaction at a fast food place. They supposedly tried to call, but I had no missed calls or voicemails.
Here we are 4 days later, and no further attempt to reconnect, but my card continues to be declined, with no info from Comenity.
When I call, I have to go through their ridiculous verification system - SSN, home address, plus BOTH phone numbers on the account.
The guy then says he'll transfer me to the fraud prevention team - involving time on hold, plus all the reverification crap.
Seriously, Comenity is by far the worst credit card company I have ever dealt with.
Here we are 4 days later, and no further attempt to reconnect, but my card continues to be declined, with no info from Comenity.
When I call, I have to go through their ridiculous verification system - SSN, home address, plus BOTH phone numbers on the account.
The guy then says he'll transfer me to the fraud prevention team - involving time on hold, plus all the reverification crap.
Seriously, Comenity is by far the worst credit card company I have ever dealt with.
#399
Join Date: Jul 2014
Location: SFO
Posts: 266
nope. When I applied in late 2014, their initial cards were real flimsy. I called them for "extra cards" and the replacements they sent were the sturdier ones. They still suck. Not on the level of a Discover card or even a Chase Freedom card quality.
#400
Join Date: Jul 2011
Location: SFO
Programs: UA GS, AA EXP, Marriott Titanium, Hilton Diamond
Posts: 83
Hands down the worst experience I've had with a credit card issuer. I applied for the $149 premium version of the card and was given a message that additional processing was needed. I called in and the agent completed the application over the phone.
I received the $49 non-premium version of the card. When I called to inquire about this, they told me there was nothing they could do to switch the product. I could either a) wait a year then convert or b) cancel, wait 37 days and reapply. The agent was nice enough to offer to match the higher 15,000 point sign up bonus.
After hitting the spend requirement and the statement closing, only 10,000 points posted to my account. When I called in the agent proactively transferred me to his supervisor who curtly informed me there was nothing she could do and that I should have applied for the right card in the first place. Cancelled on the spot.
I received the $49 non-premium version of the card. When I called to inquire about this, they told me there was nothing they could do to switch the product. I could either a) wait a year then convert or b) cancel, wait 37 days and reapply. The agent was nice enough to offer to match the higher 15,000 point sign up bonus.
After hitting the spend requirement and the statement closing, only 10,000 points posted to my account. When I called in the agent proactively transferred me to his supervisor who curtly informed me there was nothing she could do and that I should have applied for the right card in the first place. Cancelled on the spot.
#401
Join Date: Sep 2012
Posts: 91
I am advising a friend about the different credit cards, and am trying to make sense of the benefits of the change fees with the PREMIUM card - especially wrt same/next day changes to flights.
The cc terms state
For example: if I buy today a o/w flight LAX-EWR for a few weeks time might cost $170. The same flight leaving tomorrow costs (say) $670. So if had originally paid $170 for a LAX-EWR flight but decide at the last minute to postpone my flight to leave the next day, would I be hit with an extra $500 because of the jump in ticket prices?
The cc terms state
You’ll only need to pay the difference in fare when making a change.
#402
Join Date: Jan 2015
Location: LHR
Programs: AA
Posts: 773
I am advising a friend about the different credit cards, and am trying to make sense of the benefits of the change fees with the PREMIUM card - especially wrt same/next day changes to flights.
The cc terms state
For example: if I buy today a o/w flight LAX-EWR for a few weeks time might cost $170. The same flight leaving tomorrow costs (say) $670. So if had originally paid $170 for a LAX-EWR flight but decide at the last minute to postpone my flight to leave the next day, would I be hit with an extra $500 because of the jump in ticket prices?
The cc terms state
For example: if I buy today a o/w flight LAX-EWR for a few weeks time might cost $170. The same flight leaving tomorrow costs (say) $670. So if had originally paid $170 for a LAX-EWR flight but decide at the last minute to postpone my flight to leave the next day, would I be hit with an extra $500 because of the jump in ticket prices?
#404
Suspended
Join Date: Jul 2013
Location: LAX
Programs: VX Gold
Posts: 427
I am advising a friend about the different credit cards, and am trying to make sense of the benefits of the change fees with the PREMIUM card - especially wrt same/next day changes to flights.
The cc terms state
For example: if I buy today a o/w flight LAX-EWR for a few weeks time might cost $170. The same flight leaving tomorrow costs (say) $670. So if had originally paid $170 for a LAX-EWR flight but decide at the last minute to postpone my flight to leave the next day, would I be hit with an extra $500 because of the jump in ticket prices?
The cc terms state
For example: if I buy today a o/w flight LAX-EWR for a few weeks time might cost $170. The same flight leaving tomorrow costs (say) $670. So if had originally paid $170 for a LAX-EWR flight but decide at the last minute to postpone my flight to leave the next day, would I be hit with an extra $500 because of the jump in ticket prices?
If you're concerned about the flight selling out, book it on the CC and then get a full refund rigt before you attempt to SDC.
#405
Join Date: Apr 2015
Location: Danville, CA
Posts: 10
Has anyone had problems getting the 2 "free" bags?
I've had the VX Signature Visa Card since it's inception. I've also had many of the same issues previously mentioned in this thread including having the card inactivated at several inopportune times for "security" concerns that weren't real. I believe VX took a giant step backwards when they switched from away from Barclays to Commenity Bank!
My question is regarding the "free" bags feature of the card. Until recently when I traveled I almost always carried on my luggage. Now I almost always check it, and the "free checked bags" feature of the Signature Visa card was very appealing to me.
According to VX's website, "If your reservation was made on or after December 11, 2014, the bag fee will be waived at the time of purchase."
My first experience trying to use it occurred last week and did not go well. I purchased our tickets after 12/11/2014. As part of the process when I checked in for the flight it asked if I wanted to check any bags. I said yes for two bags, and the website charged me $25 per bag or $50 total. I was under the impression that that fee was not supposed to be charged because I had booked the trip using our VX Signature Visa card. I called VX, and they ended up transferring me to Commenity where the agent stated that I would "automatically receive a statement credit" for those charges in two to three days. I mentioned to her that the VX website said those fee's would not be charged after Dec 11, 2014. She knew nothing about that.
When it came time to check in for our return flight I had my wife use her VX Elevate account to check in to see if anything different would happen. Again it wanted to charge us the $50 fee for two bags. So she called VX and spoke to a CS representative. That person told her "not to add any baggage" at on-line check in, rather that when we arrived at the airport we should go to the ticket counter and show them our VX Signature cards and that they would check our bags and waive the baggage fee. When we arrived at DAL we went to the ticket counter and the the VX agent "knew nothing about waiving the baggage" fee by showing our VX Visa card and told us that we would have to pay it there and then request a credit from Commenity! Fortunately, after I just about "blew a gasket" and explained to her that she was the third VX person to give us a different story she went ahead and waived the baggage fees anyway.
Has anyone else experienced problems? If not, how did you get your "2 Free bags"? Did you pay at check-in and was it automatically refunded by Commenity? Or did you have to badger them for it? According to VX's own website it says "the baggage fee will be waived at the time of purchase" As I understand "the time of purchase" it is when you check-in online for your flight as you can't specify baggage at the time you actually book your flight.
I'd appreciate your feedback.
Thanks
My question is regarding the "free" bags feature of the card. Until recently when I traveled I almost always carried on my luggage. Now I almost always check it, and the "free checked bags" feature of the Signature Visa card was very appealing to me.
According to VX's website, "If your reservation was made on or after December 11, 2014, the bag fee will be waived at the time of purchase."
My first experience trying to use it occurred last week and did not go well. I purchased our tickets after 12/11/2014. As part of the process when I checked in for the flight it asked if I wanted to check any bags. I said yes for two bags, and the website charged me $25 per bag or $50 total. I was under the impression that that fee was not supposed to be charged because I had booked the trip using our VX Signature Visa card. I called VX, and they ended up transferring me to Commenity where the agent stated that I would "automatically receive a statement credit" for those charges in two to three days. I mentioned to her that the VX website said those fee's would not be charged after Dec 11, 2014. She knew nothing about that.
When it came time to check in for our return flight I had my wife use her VX Elevate account to check in to see if anything different would happen. Again it wanted to charge us the $50 fee for two bags. So she called VX and spoke to a CS representative. That person told her "not to add any baggage" at on-line check in, rather that when we arrived at the airport we should go to the ticket counter and show them our VX Signature cards and that they would check our bags and waive the baggage fee. When we arrived at DAL we went to the ticket counter and the the VX agent "knew nothing about waiving the baggage" fee by showing our VX Visa card and told us that we would have to pay it there and then request a credit from Commenity! Fortunately, after I just about "blew a gasket" and explained to her that she was the third VX person to give us a different story she went ahead and waived the baggage fees anyway.
Has anyone else experienced problems? If not, how did you get your "2 Free bags"? Did you pay at check-in and was it automatically refunded by Commenity? Or did you have to badger them for it? According to VX's own website it says "the baggage fee will be waived at the time of purchase" As I understand "the time of purchase" it is when you check-in online for your flight as you can't specify baggage at the time you actually book your flight.
I'd appreciate your feedback.
Thanks
Last edited by partzguy; Apr 20, 2015 at 2:12 pm Reason: Correct typo's