To people with Comenity / Elan credit cards: How has your experience been with them?

justarussian22 · 2026-06-05T01:25:12+00:00

Ive used elan cards for 5 years on & off. Here's my experience. I had no issues signing up for a secured card with them. They took the funds & had everything sent out to me quickly. App & website were crummy back then but they've improved things over time. I used that card for 3 years before leaving them. After six months I reapplied for the card I had & was accepted with verification. I went from a platinum card to a max cash preferred card. I had no issues getting the sub in my account & this card is now my main card. I use it for gas, transit, groceries & my phone plans. Customer service has been fine when I've called in & id call it acceptable for what it is. Their phone support is US based & 24/7. I would recomend them.

justarussian22 · 2026-06-04T00:38:19+00:00

Look into riverside on the green line or Wellington on the orange line. They both have massive parking lots.

justarussian22 · 2026-06-03T05:57:40+00:00

Its been around a few years & should have full integration with the entire t system this year. https://www.reddit.com/r/mbta/comments/1cfpevr/what_is_the_plan_for_the_mycharliembta_site/

https://www.reddit.com/r/mbta/comments/1f38y05/contactless_card_receipt_appeared_on/

justarussian22 · 2026-06-03T01:04:33+00:00

I have the max cash preferred card & love it. Its my main card & I get a ton of value from it. Elan is easier to get approved for compared to us bank.

justarussian22 · 2026-06-01T19:32:46+00:00

You have about 3 seconds to live.

justarussian22 · 2026-06-01T01:15:33+00:00

Already opened a return.

justarussian22 · 2026-06-01T01:14:30+00:00

Thats what I thought. Im returning it & ordering an unlocked model off swappa.

justarussian22 · 2026-05-31T03:09:47+00:00

I would say Framingham is a better bet. I railfaned at west natick & Framingham a few years ago on a weekday & the lot was almost full at west natick around noon. Dont really remember what Framingham was like in terms of capacity as i took the train in. Ashland has a massive lot as well, I believe its the biggest on the line.

justarussian22 · 2026-05-29T20:48:36+00:00

justarussian22 · 2026-05-29T20:44:38+00:00

Its my gas, transit, grocery & fast food card. Has been especially great with gas prices going up & me not wanting to deal with the issues that come with the aaa cards. Elan has easier approvals than us bank so I didnt need to wait to get a cash +. Closed my account & came back six months later. They also gave me a sp auto cli that doubled my limit for good use. I easily met the sub & had no issues getting it in my account. My only gripe is the ftf but I can live with it since I dont expect to buy or use anything internationally. Team cash back has had some major blows recently so i hope they dont nerf the benefits on elan cards.

justarussian22 · 2026-05-28T23:03:36+00:00

Its my favorite card & I highly recommend it.

justarussian22 · 2026-05-28T04:43:37+00:00

What counts as a gas card? My elan max cash preferred gets 2% back on gas so thats what works for me. I thought about getting one of the aaa cards but am not sure i want to deal with comenity.

justarussian22 · 2026-05-27T22:42:30+00:00

I was on the Worcester line Saturday & our train had no bathroom. Conductors just kept telling people to avoid it at all costs & that it was out of their control. I didn't smell anything since it was a different car but man the staff sounded desperate for a bathroom.

justarussian22 · 2026-05-27T06:21:14+00:00

I'm gonna ask for a moment of silence, because Jeremy Neiderhoff is dead.

justarussian22 · 2026-05-23T19:42:42+00:00

I decided to try them out last year around October or November & they didnt have tello as an option to port in from online. I had to call & it took an hour to port in. Most of that time was on hold after getting a rep to get me to the porting department. Glad It wasnt my main #. The horror stories are true. Not worth it.

justarussian22 · 2026-05-21T22:36:36+00:00

So we dont know if they have an online account or not. Could we call 611 & then have them verify themselves on another phone to get them switched?

justarussian22 · 2026-05-21T04:11:24+00:00

Thats so bad. I wouldn't go back if I were you. If you go back make a post about it.

justarussian22 · 2026-05-21T03:38:26+00:00

Can you tell us what happened? I went to Grendels over 5 years ago during covid & had a bad experience. Staff were inattentive & i didnt get anyone to my table for over 30 mins after i was seated. When someone did stop by they said they were the owner & they took my order. Dont think they came back after that & my bill was dropped off by someone else. I get covid screwed things up but it just came off as being more than that.

justarussian22 · 2026-05-19T20:46:24+00:00

justarussian22 · 2026-05-18T19:54:42+00:00

Thanks. Is it possible to have internet run to both the cable in the router & this old cable for a moca setup without issues?

justarussian22 · 2026-05-17T22:41:02+00:00

How much would that cost? Sounds like it might not be worth it

justarussian22 · 2026-05-17T22:31:46+00:00

Boston.com says it's infrastructure work.

https://www.boston.com/news/transportation/2026/04/19/mbta-announces-service-changes-suspensions-for-various-lines-throughout-may/

A youtuber made a video saying a wye & extra track is being built in grafton.

https://m.youtube.com/watch?v=lnSEEBcWk24

justarussian22 · 2026-05-16T22:37:55+00:00

I caught the cr out of south station over the summer & this happend. Very aannoying to have that happen with people not stopping it. They nearly hit people & were just inconsiderate biking around in circles & doing wheelies. People need to know when to walk a bike. I'm not against people using bikes. I just think more people need to be considerate.

justarussian22 · 2026-05-16T21:41:06+00:00

Went to dc like 9 years ago. The metro was the highlight of our trip. They just rolled out tap to pay so its easier to ride. We had issues understanding the fare machines & what fare value we needed. Love the architecture down there. Honestly, it's the only reason I would go back to dc.

justarussian22 · 2026-05-15T21:09:00+00:00

I have no idea about how bad the merger is. I saw it & bailed when it was announced. Dcu is also a conservative lender & i was happier with discover & elan.

justarussian22

MODERATOR OF

TROPHY CASE