J.CREW Credit Card Reviews

Worst card I've ever had. They don't advertise the fact that you can only use it at J Crew.  The conmenity website and telephonic system couldn't find my card information to register. I kept wondering whether my account was immediately hacked. Conmenity claimed they had an incorrect social security number. I canceled immediately. Stay away! 

Worst card I've ever had. They don't advertise the fact that you can only use it at J Crew.  The conmenity website and telephonic system couldn't find my card information to register. I kept wondering whether my account was immediately hacked. Conmenity claimed they had an incorrect social security number. I canceled immediately. Stay away! 

I read about the 'shopping cart trick' and decided to see if it would work for a J. Crew card. I added some stuff to my cart, clicked checkout, filled out the first two pages of checkout and clicked to the billing page ... and I got the "preapproved application".  I filled it out (only asks for last 4 of social security number), submitted it, and was instantly approved for $1000.00. 5 months credit history ... TU 707, EQ 709, no Experian score yet ... CapOne secured card with 200.00 credit limit, First Choice secured card with 500.00 credit limit, OpenSky secured card with 400.00 credit limit. 6% utilization. No baddies. Very pleased.  I'll wait nine months before using the luv button. 

This is one of the worst rewards program.  The points expire at the end of the year and does not roll over.  Of course they don't explain that.  Even when I shop at J Crew, I stopped using the card.

As with most, I was enticed to get this card due to the savings that utilizing it as an initial payment method has the potential to yield.  However, if you don't immediately pay off the balance, you lose your savings in the high interest that hits.  

I decided to quit using it completely after having paid off my entire balance prior to a statement droppping only to still recieve a late fee...and then also recieved a late fee for the late fee due to not realizing there was a remaining balance.  The most that the card representative was willing to do was remove one of the late fees.   $27 down the drain.  How annoying.  Not using again.  

I would only recommend this card for folks who need the credit (they do give very generous limits - mine was $1200) and/or are literally religious with timely payments.  

Without losing the card and not using it for about 2 years, my credit card was hacked. Someone was trying to get personal checks from the card. While Comenity stopped it from happening, to reopen the card you have to send extremely personal information through the mail. You have to send a copy of your SSN, drivers license and utility bill. It's just not worth it for you to have your personal information end up in the wrong hands. So the only other option is to cancel the card. 

I love my J Crew card! I have a factory store nearby, so I use it a lot. Only had a $250 credit limit to start, and immediately went online to set up my account and asked for an increase---upped it to $459 and I hadn't even used it yet! I bought something and made a return a few days later. Checked my account online, and it had already been credited back. Happy with this so far. Easy bill pay online, posts quickly. Love earning my points for each purchase, and can't wait to start seeing some rewards! Still rebuilding my credit, so I pay this off every month. Comenity Bank is great for second chances if you take it seriously! Definitely worth having if you love J. Crew!