Comenity takes so long to clear the credit limit

I’ve had my Comenity card now for almost a year and no matter what I do, the card’s credit limit takes so long to clear after a payment. For instance, I had made a payment on 9/19 (the day the payment posted,) and the credit line didn’t clear until 9/28, so almost a full 10 calendar days. This might be a good thing because you can’t cycle the shit out of it. And the CL increases they give you is paltry too. I think I started with 3.5K now and now I’m up to 5.8K. I’ll just need to get the wife her own card to really scale things up.

2 comments on “Comenity takes so long to clear the credit limit

  1. is this slow release credit reflected in the available credit shown in online banking? After payment, I see my available credit increased instantly. but if I make a new transaction, it will be declined. I called in, csr said although it shows credit available online, in fact it is not. so I can not be 100% sure when the credit is really available.

    1. Oh I was having that same issue too but I think it eventually resolved itself. Now it no longer refelects phantom available creedit

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