I’ve had a Loft Mastercard for many years but it’s no longer worth it. The interest rate is ridiculous. Even if you pay it off every month the rewards are minimal. I used some rewards for an online purchase and once I received the item, I didn’t like it. However, Loft policy is that you can’t return or exchange the item… you just forfeit any rewards. So I don’t recommend using rewards on online purchases.

Terrible experience with Loft Credit Card: In 2019 a store associate (LOFT - Oak Park, IL) proposed me to apply for a store card but was not explained to me in any way that I was applying for a credit card, I thought to a rewards card to get points and a discount on my next purchase. I was new in the country, I was working to improve my level of English, so I had some difficult to understand the English and I didn't know that it is possibly get a credit card in a store, I believed only a bank can offer and approve a credit card. I was working hard to build my credit score and when the associate told I got a store credit card I have been so disappointed, and I try to find a solution because I didn't want the card. She simply asked sorry suggesting don't use the credit card. Today (2/23/2022) when I saw my credit score is lower for 20 points because the credit card account was closed for inactivity, I have talked with their credit card office and the supervisor said it was possible to cancel the application, the credit card account and cancel the hard inquiry but just immediately after the application. Well, when I got back to the store and I have asked a resolution to the store associate, she didn't provide me any suggestion, she didn't say to call the credit card office and ask to close the account. The associate simply said do not use the credit card. The responsibility is not mine and losing 20 points on my credit score is not something I wanted. It was not my fault be new in the country with a level of English in improvement. Today the credit card office told me they can close an account for inactivity without any communication to the customer. Well I think that to build a good relationship with customers or potential customers sometimes is better do what it is nice and helpful instead just do something (like close the account without any communication) just BECAUSE THEY CAN. I will no have any other relationship with them in the future.

Ridiculous interest rate that does not outweigh the perks. I paid off the card balance in June, only to receive a statement 5 months later saying that a hidden $1.37 interest fee (how could they do this when I paid the balance?) had ballooned to $36.92, thanks to the ridiculous 24.99 % interest rate. Run, don’t walk from this trap! I closed my card immediately.

It’s honestly not worth the interest or the inconvenience of trying to make a payment by 6pm on your due date. The late fee is ridiculous if you don’t pay by the cut off time on your DUE DATE….I just don’t understand that. It’s still my due date as long as it’s before 12 midnight. That tells me a lot about the company because that’s convenient for them not the customer. You can’t pay in the store and it’s just a huge inconvenience. They email promotional emails 2-3 times a day, but they lack the technology to offer auto pay. I’ve had this card for a while now (5-6 years), and there aren’t any perks that are beneficial to the card holder specifically; they offer any and everyone 40-50% off, so it’s not worth it.

I do not recommend LOFT card, no auto pay?? What credit card doesn't offer that? To me this is a sneaky way to get the customers to pay late fees. BAD CARD, BE AWARE!!! Shame on LOFT trying this - not worth to use it at all. I closed my account.

Horrible experience trying to make my first online payment. It will not accept my information, though I've triple checked it and had my spouse confirm it. Can't get "live" customer service unless I pay $9 for their help! I would go back to store and make a payment but they aren't accepting in-store payments. (BTW, just charged something at JCrew and paid for it in the next transaction-- in-store!).

Terrible customer service. Moved me to paperless without asking, so I missed payments (and I'm very on top of payments and uptight about my credit). Then I moved to online billing because of their change... then my online statements stopped coming and I got hit with a charge. Called the company and the employee talked over me the whole time and didn't listen to anything I had to say—I showed up to the call firm but kind. Finally, they stopped sending me my rewards. I'd honestly rate a 0 if I could. Comenity in general is also just terrible.

I was at Atlantic City and went to the Loft, the cashier was pushing so much to apply for the credit card that I gave in and said okay. Then she told me that I am approved and this is my limit. I had actually given her the other credit card for the payment. I assumed that the payment was charged on the credit card that I gave her. Few weeks later I received mail from them and I assumed that was the credit card. I didn't even open. Then at the end of December when I sat down to pay my bills, I saw that there was a bill from Loft with the late charges. I wrote the check on 12/28 and mailed right away. I wrote checks for 2 other bills. Both of those checks were withdrawn according to my bank records but the loft was not withdrawn on 1/6. Meanwhile I have received another bill from Loft with additional charge $28 late fee. Why am I being charged late fee 1) when I never was told that my purchase on the day of applying for the credit card was being put on the LOFT card 2) I still paid the full payment with the late fee on 28th of december and yet in january being charged with additional $28 late fee. 3) I have never activated the credit card. This is a rip off. Their employee in accounts department must be lazy that they submit their check on Jan. 6th...full 9 days after. I am furious!! Anyway I have cancelled my credit card. Not I am not going to Loft, Ann Taylor anymore. I will discourage everyone to not get their credit card. This is a form of stealing that they are doing.

DO NOT RECOMMEND. I have been a Loft Mastercard holder for over seven years and been a loyal regular shopper at Loft and AnnTaylor. However, I am so glad to finally cancel this credit card at it has been treating consumers very poorly. This is the only credit card that I have that doesn't offer auto-pay, and one cannot set-up payment in advance till the month of. This makes it extremely inconvenience for consumers especially for busy working professionals. I made an honest mistake thinking when i selected pay current balance to pay the big bill that would cover all my purchases up to the due date, but I was wrong in my calculation of their billing cycles. Things got busy and a passing of loved one, so I haven't been login online to look at the statements, for that they charged me a late fee and also put my account in delinquency without a courtesy call. I have been requesting them over the years for Comenity to update the system to include auto-pay, which would make things a lot easier and I will never miss a payment.
I made a lot of purchases with other vendors and never have any issue paying bills on time thanks to autopay. I finally had the courage to cancel the credit card today and will never shop at Loft, AnnTaylor and their affiliates ever again. I will take my wallet and support other vendors that actually care about their customers.
Moreover, this cc doesn't have a lot of perks and very limited toward AnnTaylor/Loft purchases. Open other cards instead.