Unauthorized charges of more than $1,000 put on J Crew credit card

They do not have an option to set automated payments, when I was outside the country and missed a payment they sent my account to collections for $32

They do not allow you to set up automatic monthly payments. If you care about credit, do not get this card.

Bank used outdated information to lower my credit limit which made my score go even lower. When I called to clarify they suggested that if I wanted my old credit line back they would make another inquiry (hard inquiry on my credit report. Dealing with sishonest bankers is the worst!

I applied for this card in May 2017 and was instantly approved for $300. CK TU at the time was around 632-645. Despite the low limit, I used it once or twice and paid it off right away. Fast forward six months from application date, I get an auto CLI of $1450. A month later, I decided to test my luck and pressed the LUV button and was approved for an additional $990. Perks: Free tailoring, birthday gift card, early access to products & discounts

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.

I received pre-approval at checkout (wasn't trying the shopping cart trick, it naturally popped up) I accepted the offer and was approved for a $250 credit limit. Current scores are 583 Experian, 558 Equifax and 571 TransUnion. Per pop-up message, card should be received within 7-10 days, pending receipt of card to see if reviews on quick credit limit increase is true.

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!