Comenity has been helping people get more for their money since they introduced their first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with some of the world?s most recognized merchants, providing more than 145 branded credit programs, including private label, co-brand and commercial credit cards. At Bread Financial, they?re... show more
Comenity Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/14/2026.
3.6
27,594 reviews
from WalletHub and across the web
27,594 reviews from WalletHub and across the web
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Comenity
rormant5967 @rormant5967
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1 Star Rating
Kay Jewlers uses comenity Bank for Jewelry purchases. Prepare for the back and forth hamster wheel between the back the financing and Jewelry store. Horrible experience. Lot's of time on the phone. It's the worst
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Product: Comenity Credit Cards
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Comenity
kamali_mahsa @kamali_mahsa
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1 Star Rating
This is by far the worst credit card experience I’ve ever had. On my very first payment, I made a simple one-digit mistake, and they immediately charged me a $30 returned payment fee with zero grace or consideration. As a brand-new customer with no history of late payments, I expected at least some level of understanding—but there was none. Even after correcting the mistake and paying additional fees, they kept piling on more charges. I had to call multiple times, and every interaction with customer service was completely unhelpful. No accountability, no flexibility—just excuses and more fees. In the end, I ended up paying almost double just to close the account and be done with it. Even worse, after I paid the balance in full and closed the account, they sent me another statement with an extra interest charge—and refused to remove it. Charging fees on a closed, fully paid account makes absolutely no sense. This company clearly does not value its customers. The fees are excessive, and the customer service is terrible. Save yourself the frustration and stay far away from this card. If I could give zero stars, I absolutely would.
They opened up two accounts held my money in one and charged me late fees to the other. Went caught. They refused to close my account until I paid it full and then continue to charge me for three more months. I’m still battling with them over three dollars they keep saying I was late and it’s ruining my credit and I was never late. I would never use Comenity Bank.
I used my credit card for a purchase and returned the items. I called to see why the charge was still on my card and the lady said it was showing the items still in transit 14 days later. I then received a bill for late charges and interest on items I don't even have.
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Product: Comenity Credit Cards
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Comenity
xmustang @xmustang
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1 Star Rating
Caesars Rewards Prestige Card not worth it. I have a credit limit of $29,000 yet my purchases get declined if over a few thousand dollars. And this when I have historically paid the card off monthly. And they state there is no charge for cash withdrawals, well, just know what their daily limit is. Wife and I went to the casino with the expectation that I would cash withdraw enough for us to play and was told I have a daily limit of $600. I ended up using my Discover card. Again, not worth it.
We paid our card off in the evening around 4 on a Sunday. Apparently we were an hr late getting it paid on time. We closed the acct and then received a notice after the next due date with a late fee. We paid it even though we thought it was complete bull that they closed the deadline for payment that early for an automated payment. After paying it and being reassured that we had finally paid it all off and wouldn’t recieve any other bills for this closed account. We then get another bill for a late payment on the previous late payment after being reassured we were paid off. Would not ever get another card with this crooked company again
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Product: Comenity Credit Cards
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Comenity
Javier N @javierjcordero
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5 Star Rating
Verified Customer
I have had this card for a few years now. You can redeem the rewards for statement credit or a direct deposit into your checking account. 2% cash-back catch it all card you cannot go wrong with. I like the protection benefits. So it’s a good option.
Would give them a 'Zero' if ot were an option Used their Woman Within card ONCE.... after interacting with them, I cut it up. Horrible, rude men who try to intimidate because you are 2 days late on a payment, or because I was $5 short on a payment! Rep said ''it doesn't matter how much you paid- you still have a balance on your card and it needs to be paid-off!'' I literally received 4-6 calls per day starting the day after the due date- SO: WHERE is my bill? I haven't received one in the mail or in email in 2 months-- but they expect payments on time?
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Product: Comenity Credit Cards
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Comenity
kwells9040 @kwells9040
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1 Star Rating
I have had an express comenity credit card since 2021 and I decided to apply for a Saks Mastercard on 4-22-2026. I was approved with a credit limit of $16,000 and I called to update the mailing address on my account. That is when I started having issues and was treated poorly with their account protection team. I had already emailed my drivers license and utility bill that verified my identity. The agents were unprofessional, rude, disrespectful, yelled at me, and hung up in my face. I called on 4-29-2026 to see if they received a bank statement with my updated address on it and they said that they closed my account. So I emailed the president and executive team to inform them of what had transpired. I received a call on 4-29-2026 from the fraud operations director Merrick Austin he said that he had my accounts re opened and they where never supposed to have been closed. He told me that several agents handled my accounts wrong and he apologized for how I was treated by the agents. I called to verify if both of my accounts where back open and saxs Mastercard customer service said there was a restriction on my account saying that I can't be serviced over the phone with a agent due to interactions with previous agents. So I emailed Merrick Austin and left him a voicemail on 4-30-2026 & 5-1-2026. He ignored my emails and never responded to me. So I googled the president Ralph Andretta information and found his phone numbers. I didn’t know that the number I called was his cell phone number and he answered the phone and I asked if he was still the president. When he said yes I told him that I needed help with my Saks Mastercard account. He assured me that he would have someone reach out to me today to help me. I received a call not even a hour later from bread financials attorney named: Zachery Miller he told me that he was calling to help me. I thought that it was wierd that their attorney called me and not a supervisor in customer service. He said that he would be contacting Saks Mastercard and tell them that the restriction need to be removed. I waited a few hours and called the customer service number from my work phone number and my accounts were closed AGAIN. I called the attorney back and he said the president was mad because I called his cellphone. So he had both of my accounts closed. This entire company is horrible and need to be closed down asap! I told the attorney I know that he lied about trying to help me and that I’m going to sue them for discriminatory acts per the fcra! I literally was reaching out to the president for HELP and he closed my accounts due to me calling his cellphone number today! All of their emails and phone numbers are in public records. He was supposed to help me with my accounts not play games and close them!
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Product: Comenity Credit Cards
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Comenity
Sharon Aaron @rupleasant
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2 Star Rating
I charged a large amount on the card and paid off the full balance way before the due date (1st time using card). It shows credit available but I can’t access the available credit because they put a hold on the account for 7-10 days when you make a payment over $500. They already have the money, balance is zero on account. Spoke to a Sr Account Specialist who stated this is their policy. This is RIDICULOUS! I have a credit balance but can’t use it until the payment reaches Commenity Bank. Have NEVER had this happen with any other cards ever! May look for another rewards card and cancel this one.
I will have to resolve this matter in court, which is truly unfortunate.
This account was opened without my authorization. I became aware of this third account in April 2025 (see attached email). When I received a call from Comenity Bank, I believed I was making a payment toward either my Roaman’s or Woman Within account.
Once I discovered the issue, I made efforts to resolve it. I attempted to work with Comenity Bank after learning that they had reported the account as late seven times to the credit bureaus. I even offered to pay for the merchandise I received, under the assumption that it had been charged to one of my existing accounts.
However, it appears that instead of resolving the issue, their actions have significantly damaged my credit. This has caused serious consequences, including being denied a mortgage loan. I have no delinquent accounts other than this one, and I have consistently paid my other two accounts with Comenity Bank on time for years.
Their handling of this matter has been harmful and unfair, and I believe it constitutes misconduct and exploitation of customers.
Consumers should be aware that having multiple accounts with Comenity Bank may lead to confusion and potential issues, as I experienced being led into opening multiple accounts unintentionally.
This situation has resulted in substantial harm to my credit over a relatively small amount. I already make regular monthly payments on my other accounts, yet this matter has negatively impacted my financial standing.
I consider this to be fraud and, given the circumstances, potentially elder abuse. I intend to report this matter to the appropriate authorities, including the Department of Aging.
Revised Demand Letter
Date: March 20, 2025 Via Certified Mail
RE: Notice of Lawsuit and Opportunity to Settle – Fraudulent Account Reporting
To Whom It May Concern:
I am writing to formally notify you that I have filed a lawsuit against Comenity Bank and FullBeauty Brands, Inc. in the Circuit Court of Cook County, Illinois regarding the reporting of a fraudulent account on my credit file.
Despite multiple written disputes submitted to both your companies and the credit reporting agencies, you have failed to conduct a reasonable investigation or remove inaccurate information, in violation of the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.).
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Product: Comenity Credit Cards
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Comenity
barbaravoigtriggs @barbaravoigtriggs
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1 Star Rating
Horrible company and service. After 2 payments, they charged the entire balance and couldn’t reverse it without me doing all the work. Have to get special approval which requires me getting a letter from the banking their letterhead proving the amount was deducted. Really? They have my money and I have to prove it??? I thought a y month bridge was a great idea and helped pay for a surgery without interest. Well it’s a heck of a lot easier to just go somewhere else or borrow from a friend. Worthless company don’t do business with them!!I’m
I am totally disgusted with this card. Two months ago, my payment was 8 minutes past the deadline date and I was charged $40 late fee. My payment date is the 4th of the month. On April 2 I called to make a payment and was told a payment wasn't due. I was quite surprised but thought I must have made a mistake. Today I received my bill and was charged a $40 late fee for not making a payment on April 4. I have excellent credit...I have 3 other cards with payments always made on time. I am stopping this card.
I am very disappointed in my credit card. I changed my email address so didn’t receive my statement, even though the clerk at the store said she changed it in the system. Now there is a late fee plus interest on my account. If you had gotten my statement to me, it would have been paid on time and in full as I have done with you for many years. I paid it on line today and closed my account. I have another account through your bank that I will probably be cancelling as well. Community needs to work on their customer service. Everyone I know that has one is complaining about the customer service.
Get answers to your questions about Comenity below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
You can log in to your Victoria's Secret Credit Card account by going to the login page on the Comenity Bank website and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Victoria's Secret Credit Card Account
Register your Victoria's Secret Credit Card for online account access. Click “Register Now” and enter card number, ZIP code, and last four digits of your Social Security number to verify your credit card account.
Choose your Victoria's Secret Credit Card username and password. The password must be atleast 8 characters, have at least one uppercase letter, one lowercase letter, and one number. The password is case sensitive and may contain special characters.
Log in with your new Victoria's Secret Credit Card credentials. From the login page on the Comenity Bank website, fill out the Username and Password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you'll be able to manage your Victoria's Secret Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, you can reset or retrieve your username or password by clicking “Forgot Username/Password?” on the Comenity Bank login page and follow the prompts.
You can make a Ulta Credit Card payment online, by phone, by mail or through EasyPay. To pay a Ulta Credit Card bill online, log in to your online account and click on "Pay Now." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Ulta Credit Card Payment
Online:Log in to your online account and click on...
You can make a Victoria's Secret Credit Card payment online, by logging in to your account and clicking on the payment button by your card. Then, follow the instructions to enter the required information about your payment and submit it.
How to Make a Victoria's Secret Credit Card Payment Online
Login to your Comenity account with your username and password.
Click the payment button located by your credit card.
You can make a Torrid Credit Card payment online, by phone, by mail, at a store or through EasyPay. To pay a Torrid 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. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
You can make a Burlington Credit Card payment online, by phone, by mail or through EasyPay. To pay a Burlington Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Burlington Credit Card Payment
Online:Log in to your online account and click on...
To log in to your Jared Credit Card account, go to Comenity Bank's website, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with Comenity Bank, you'll need to enroll first and set up a username and password.
How to Log in to Your Jared Credit Card Account
Visit Comenity Bank's website. Navigate to the login box at the top of the...
You can make a Zales Credit Card payment online, by phone, by mail or through EasyPay. To pay a Zales Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Zales Credit Card Payment
Online:Log in to your online account and click on...
To log in to your Lane Bryant Credit Card account, go to issuer's website, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with issuer, you'll need to enroll first and set up a username and password.
How to Log in to Your Lane Bryant Credit Card Account
Visit issuer's website. Navigate to the login box at the top of the page, where it...
To talk to Victoria's Secret Credit Card customer service, call (800) 695-7020 and then say "I don't have it" when asked for your credit card 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 Victoria's Secret Credit Card Customer Service by Phone
Call the Victoria's Secret Credit Card customer service department. You can even use the number on...
You can make a Kay Credit Card payment online, by phone, by mail or through EasyPay. To pay a Kay Credit Card bill online, log in to your online account and click on "Payments." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Kay Credit Card Payment
Online:Log in to your online account and click on "Payments," or...
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* The information about the following cards has been independently collected
by WalletHub: Victoria's Secret Credit Card, Ulta Credit Card, Torrid Credit Card, Burlington Credit Card, Jared Credit Card, Zales Credit Card, Lane Bryant Credit Card, and Kay Credit Card.
