You can pay your Comenity Bank credit card bill online, over the phone, or via mail. Just keep in mind that each credit card issued by Comenity has a different sign-in portal, as well as a different customer service phone number. And payment addresses can vary as well.
You can search for your co-branded credit card’s contact information on Comenity’s website. Additionally, you can find the customer service phone number on the back of your card. Also, to make sure you have the right payment address, call customer service to ask about it. Alternatively, you can also check your monthly statements for the right address.
The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us.… read full answer
Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as secured credit cards, for example. It’s also important to note that Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers.
Here are some Comenity Bank credit cards that are easy to get:
Zales Credit Card. Requires fair credit. $0 annual fee. 10% off all repair services. $50 off a $149+ purchase on your birthday. Deferred interest of 0% - 16.99% for 6 - 36 months. 29.99% regular APR. Free shipping and exclusive coupons.
Ann Taylor Store Card. Requires fair credit. $0 annual fee. 5 points per $1 spent at Ann Taylor family brands.
Torrid Credit Card. Requires fair credit. $0 annual fee. 1 point for every dollar spent at Torrid. 29.99% (V) regular APR.
Petland Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent. Exclusive discounts and promotional financing.
As you can see, these cards charge $0 annual fees, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it’s best to just stick with the cards for fair credit.
You can get a Comenity Bank credit limit increase by calling the number on the back of your credit card or by reaching Comenity Bank's general customer service department at (855) 796-9632. Once connected, just follow the voice prompts to get connected to a customer care representative. You will have to provide some information about your income, debt, other open credit accounts along with any other information Comenity Bank asks for.… read full answer
How a Comenity Bank Credit Limit Increase Affects Your Credit Score
Requests for credit limit increases may result in a hard inquiry on your credit report, which can temporarily lower your credit score. Comenity occasionally reviews credit card accounts to see whether they can automatically increase credit limits for select cardholders, based on creditworthiness. Automatic increases will result in soft inquiries and won't affect your credit score as a result.
To increase your chances of a Comenity credit limit increase, you should keep your account in good standing by paying your credit card bills on time and preferably in full, every month.
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