Then, here is where the real financial annoyances began. My card was about to expire last January/February and while I had a low or zero balance on it (I always made my monthly payments) I was never sent a new card to replace my expiring one. Expiration month came and went. I eventually called the company up and they said they had mailed it. Two weeks passed, still no card, I called to ask again this time fearing that maybe they lost it somehow but also maybe someone was stealing my card account. I also had stopped receiving statements (side note—comenity does not offer automatic monthly payments (IT’S 2018!) which is probably how they get you. In the months leading to this period of time, I only had bought sale items with balances never reaching above $120 and would immediately pay at least half or the whole balance, but those times I didn’t pay the whole balance immediately, I’d be charged an insane amount for the interest as if I hadn’t paid down my account.
When I hadn’t received a card and it was now April, I decided, ok, I’ll just close my account. At which point, they offered me zero APR for transferring a balance. I was hesitant, but decided to go ahead. They said they would send me a new card again (also, again, never received card or any statement). Because of these multiple attempts to get a new card but never receiving, I was convinced to close that account and start a new one and see if I’d suddenly get statements/card again. (BTW, I have always verified my address multiple times in every conversation, with it always matching). With changing my account, I lost my ability to have access to it online and now relied only on phone payments to pay down my balance transfer of about $900. Because of their TERRIBLE technology, probably to scam you out of money, I’ve probably paid over $300 on just interest, not even for the transfer fee. Worst off, I have had no record of anything since February of 2017 when my original card expired.
Bottom line, don’t get an Ann Taylor card. It’s a waste of money, time, and effort, the incentives are not good, and their customer support is terrible—designed to make everything as confusing and inconvenient as possible.… read more