Comenity

• Benefits and features
• Online bill payment
• Financial resources and tools

Benefits and Features

Comenity offers several benefits and features for its retail credit card account customers. The financial services company provides protection against fraudulent unauthorized purchases and replaces lost or stolen cards within 48 hours at no cost. If unauthorized activity occurs, the company will alert the customer within 24 hours. Additional family members can be added to the primary cardholder's account and all members can receive personalized cards for free.

Online Bill Payment

Comenity offers a few different options on how customers can make payments on their account statements. Customers can pay in person, by phone, or directly online. The online bill payment option gives the customer the ability to set up automatic recurring payments or schedule a payment up to 30 days in advance. Any payments submitted before 8 p.m. Eastern Standard Time will be posted to the cardholder's account on the same day. Customers may also view statements easily online through paperless billing and accounts can be accessed 24/7.

Financial Resources and Tools

Comenity offers tips and tools for consumers to better understand how credit works and to make better decisions for their unique financial situations. The financial services company provides an online library of educational articles on various topics. For example, consumers can learn how to read their credit report, improve their overall score, and create a financial plan. There is a variety of personal finance articles as well.

• Lack of disclosure
• Limited company information
• Limited customer service access

Lack of Disclosure

Comenity does not disclose detailed information regarding available credit card offers. No information can be found regarding enrollment requirements, APR rates, or interest charges. There is also no information regarding eligibility requirements on past credit history for application approval.The only listed criteria that could be found is that consumers must be over the age of 18 years old to apply online. The financial services company does list the various credit card programs it works with when consumers type the word credit card in its website search engine. However, consumers must visit each company's website individual to access complete details. Individuals must also apply for each card individually that they are interested in. This can be a time-consuming process and consumers would be better off seeking out a credit card option from a similar competitor that is more upfront about the details of their products and services.

Limited Company Information

Comenity does not disclose detailed information on its corporate website regarding its background or its executive leadership. There are no clear details on all products and services that the company offers and no information on where service branches are located throughout the United States. The company does describe its community service efforts, its address, and a few brief minor details.

Limited Customer Service Access

The financial services company does not provide any phone number or email contact information on its website for consumers to reach a customer representative. There is no live chat option either. In order to contact a member of the company's Contact Care team for account assistance, consumers must type in the website search engine the store name or program that is provided on a member's billing statement. The only way for consumers to reach the company for answers to any question they may have is through filling out a short contact form on its website.