Yes, Ross does have two credit cards, the Ross Credit Card and the store version of this card, the Ross Store Card. The Ross Credit Card can be used virtually anywhere credit cards are accepted, while the Ross Store Card is only accepted at Ross Dress for Less stores.

Ross Credit Card vs. Ross Store Card

To apply for either the Ross Credit Card or the Ross Store Card, you can visit the Ross website or your local Ross Dress for Less store. You will be notified immediately about your approval online or on your mobile phone. If not approved instantly, you will receive a decision by mail within 10 to 14 days.

The Ross Credit Card: Versatility & Rewards

Overall, the Ross Credit Card is better because the card can be used anywhere Mastercard is accepted. This card offers rewards on all purchases, too. The Ross Store Card is still a very good option for people who shop at Ross Dress for Less frequently, and it also has more lenient approval requirements.

Before applying for either card, you can check your credit score for free on WalletHub.

You can make a Ross Credit Card payment online, by phone, through the Bread Financial mobile app or by mail. To pay a Ross Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Bread Financial does allow cardholders to set up automatic payments, too.

Ways to Make a Ross Credit Card Payment

• Online: Log in to your online account and find the payment button.
• By phone: Call (800) 440-5215 and enter your card information when prompted, then follow the prompts to make a credit card payment.
• Through the mobile app: Log in to your account and select your card, then tap the payment button.
• By mail: Send a check or money order (but not cash) to

  
  Comenity Capital Bank
  PO BOX 183003
  Columbus, OH 43218-3003

In conclusion, there are multiple ways to make a Ross Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.

To talk to Ross Credit Card customer service, call (800) 695-9584 and then say "I don't have it" when asked for your account number or your SSN. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to Ross Credit Card Customer Service by Phone

1. Call the Ross Credit Card customer service department. You can even use the number on...

The easiest way you can apply for the Ross Credit Card is online. Alternatively, you can apply for this card by visiting your nearest Ross Dress for Less store. Unfortunately, you cannot apply for a Ross Credit Card over the phone. It's worth noting that if you don't qualify for the Ross Credit Card, you will be considered for the Ross Store Card, instead.

Both cards offer generous rewards, and the Ross Credit Card can be used everywhere Mastercard credit cards are accepted. The Ross Store Card, on the other...