I REALLY wish I could have held onto this card.
Like what other reviewers said, they CONSTANTLY put a hold on the card for anti-fraud protections -- rules that could not be eased. I'd have to call in a dozen times to validate recent purchase(s) in order to reactivate the card. The last time it happened, they completely closed my account until I sent in a trove of paperwork (passport/id/social security card/current bank statement) to prove my identity. All of this despite never having a single fraudulent purchase on the card. At that point I decided it wasn't worth it to move forward.
Comenity would also FREQUENTLY reissue cards with new account numbers without notice because of various data breaches they've had. Astonishingly, it would sometimes take 3+ weeks to get new cards.
Virgin really should have gone with a different bank. Comenity is completely disorganized. I cannot discourage them more.