The information related to maurices VIP Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product. You might have never heard of Comenity, but you could actually have a credit card issued by this bank. Over 50 million Americans have a card issued by Comenity, one of the top providers of retail store credit cards Synchrony Bank is the other big name for store cards. Use the above link to search for your branded card account, and then follow the resulting link to log in to your credit card account.
From there, you can make credit card payments , see your account features, and contact customer support. Looking for your specific Comenity card? Jump to our full list of Comenity credit cards. The vast majority of Comenity credit cards are co-branded with retail stores , although some credit programs are co-branded with other types of companies: travel services, gas stations and auto dealers, healthcare providers, and financial institutions.
Most Comenity cards are closed-loop or private label , meaning you can only use them at the co-branded company. Others are open-loop and networked with Visa, Mastercard, or Discover, meaning you can use them anywhere those cards are accepted. Co-branded credit cards have rewards programs and perks that are focused on the partner company. If the card is networked, meaning it has a Visa, Mastercard, or Discover logo, it may also offer bonus categories that let you earn rewards points or cash back on other types of purchases.
Some store cards offer special financing, however, and if you have your eye on a particular item you may want a store card to get some time to pay it off interest-free these are usually deferred-interest financing offers , so be sure to pay them off responsibly. Comenity credit cards are known for being easy to get which is one reason why Comenity has over 50 million cardholders. This is true in general for all store cards, and it makes them attractive for people with no credit, limited credit, or bad credit , who have trouble being approved for the best general-use reward cards.
These cards are often marketed at checkout lines, tempting people with a quick discount, but this is not a good time to make serious financial decisions and many who apply for retail credit cards regret it altogether, according to our retail credit card survey. Whether you apply online or in store, Comenity will usually pull a credit report from Equifax or Experian, or both, to evaluate your creditworthiness. If you carry a balance, the interest charges will quickly eat away at any rewards you earn with the card.
Be sure to pay your statement balance in full each month to avoid interest on your purchases. Comenity has a relatively high number of complaints compared to other card issuers, which are mostly focused on payment processing, administrative errors, and issues dealing with customer support. Many people have reported that their payments were delayed or never arrived when they were supposed to, resulting in fees and damage to their credit scores.
Others have had confusing interactions with customer service agents, who sometimes come off as rude. A particularly damning report is that there is no autopay feature for at least some Comenity credit cards. This is a pretty big red flag because we usually recommend setting up automatic payments to avoid being late.
Although every credit card company gets its share of complaints, we recommend being wary of Comenity credit cards. If you use one, be sure that your payment details are up to date. We suggest paying off your Comenity cards very early, well ahead of the due date. You could pay your statement balance as soon as you get your monthly billing statement, or, to play it even safer, you could make payments throughout the month after making purchases with the card.
Got a Comenity credit card , and trying to figure out how to pay it off? The shopping cart trick is rumored to let you be approved for certain credit cards without a hard inquiry on your credit reports, also known as a hard credit pull.
Instead it only results in a soft inquiry. Some Comenity cards are supposed to work with this trick, as well as some other store cards from Synchrony Bank and Wells Fargo.
Basically, you fill up an online shopping cart according to these instructions and wait for a pop-up featuring your credit card offer. If it does work, it could be a good way for people with bad credit to get approved for cards. The credit limits of cards received with this trick are reportedly quite small. Brett Holzhauer is a former banking and personal finance reporter for Forbes Advisor.
Previously, he was reporting at ValuePenguin and FinanceBuzz, and has been featured in numerous publications. An alum of the Walter Cronkite School of Journalism at Arizona State, when he is not reporting, Brett is likely scuba diving, golfing or watching college football. Select Region. United States. United Kingdom. Brett Holzhauer. Forbes Advisor Staff. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.
Interest on the high-yield savings account is compounded daily and credited monthly. Was this article helpful? Share your feedback. Send feedback to the editorial team. Rate this Article. Thank You for your feedback! Something went wrong. Please try again later. Here are a few of our favorite Comenity Bank cards in terms of the biggest benefits offered to cardholders. This gas rewards credit card is ideal for anyone with a car who lives in the eastern half of the U.
If you drive a lot and commit to paying off your balance each month, this could be a very lucrative credit card for you. But when used correctly, the Marathon Visa can put a huge dent in your monthly gas tab, making it a popular card issued by Comenity Bank.
Most locations are on the East Coast, so if you live near one, consider taking advantage of their cash bank program, especially if you shop often and like to buy in bulk. So again, as long as you stay on top of your monthly balances, you can quickly see some savings with this credit card. You earn points on each purchase you make. You can then redeem the points for statement credits, travel, gift cards, and more. So how do you earn points? Plus, you get 1 point per dollar spent on anything else you charge to your Farmers Visa.
If your most expensive purchases tend to be gas or home repair items, consider this card. Just be sure to pay off your debt in its entirety before your introductory period is up; otherwise, your balance will be subject to a potentially high interest rate.
Clearly, there are countless options available when it comes to getting a credit card from Comenity Bank. Whether one or more is right for you depends on your credit history and financial goals. The Williams Sonoma store card is another option for the avid home shopper. Paying this high interest rate can easily be avoided, though, by not carrying a balance from month to month. This card is designed for people with fair credit. The approval odds for store cards are known to be higher than traditional, unsecured credit cards.
Just how likely your approval will be depends on the store, though. The same is true with Comenity cards. If you have less-than-stellar credit, store cards can be a good option to help you work toward rebuilding your credit. Additionally, with store cards, credit limits are often lower, thus making your spending more manageable. Make sure you pay your balance in full every month, though, as store cards are also known for having very high APRs.
While the credit score needed to be approved for store cards varies from one store to the next, applicants with fair credit scores are often approved.
Since credit score requirements differ across stores, the best way to improve your odds of getting approved is to always practice good financial habits.
If you're interested in applying for a new credit card and you're looking for a flexible option that allows you to earn rewards on your everyday purchases, both the Chase Freedom Unlimited and the Capital One Quicksilver are worth considering. Both cards offer generous cashback rewards that you can redeem for statement credits, gift cards, and more.
And the benefits don't stop there. That can add up to a big bonus at the grocery store as well as some decent rewards on your other purchases. The Capital One Quicksilver also offers generous rewards for your everyday spending.
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