Comenity Logo
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LAST UPDATED: March 19th, 2021
Comenity is a banking institution with over 25 years of experience in the industry. Its corporate headquarters are located in Columbus, Ohio. According to its corporate website, the company services over 40 million customers with a retail credit card or personal banking account. The financial services company also states on its website that it manages over 125 credit programs throughout the United States.

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The Good

  • 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.

The Bad

  • 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.

The Bottom Line

Comenity offers a wide range of features and benefits for its cardholder members. The company offers 24/7 online account management and billing services with fraud protection against unauthorized credit card activity and free card replacement. The financial services company offers retail credit cards from approximately 125 credit card programs throughout the United States. Comenity also provides numerous educational articles, tools, and resources for consumers to help them improve their financial situations. However, the financial services company lacks disclosure on its website on specific details for its credit card offers. No information is provided on rates, fees, or eligibility requirements. Consumers must specifically search for credit card information on the company's website and visit each retail program separately to apply. Comenity also does not offer specific details on its executive leadership or corporate background history and does not openly disclose how to contact a company service representative regarding any potential questions or issues that may arise. Consumers should read all terms and conditions carefully before signing any credit card agreement offered by this company.
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4 Reviews

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Dee Farquharson Washington, DC

I use comenity via Torrid. The low minimum makes it easy to pay on time and consistently. You are able to add multiple accounts to have as options to pay your bill and can name them (other accounts I have dont have the option to name your payment). It also sends an instant confirmation of payment which is nice. There is also mobile banking of sorts; it's a nice feature if you want to see your balance on the go with data/wifi and pay the bill if needed. Alos, my finance fees are pretty low.

5 years ago

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Janet Williams Greenfield, IN

I have had several accounts that their store card was through Comenty. I always paid my bills on time and I was never late. Every time I pay an account off they have closed my account. .This has happened to me with Catherines, Romans, my Husband's JC Penney, Old Navy, Jessica London, King Size, Brylane home, and Romans has reduced my credit line. Every time they do this they say they checked my credit report and because my credit score is lower now they closed or reduced my account. I did not authorize them to check my credit score because I did not request a credit increase. This company needs to go. They do not value good customers.

3 years ago


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Deanna Moore Dumfries, VA

I have several "store cards" serviced by Comenity, and I've been happy with all of them. The terms are easy to understand, and there are no hidden fees.

3 years ago

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Amber Gilbert, AZ

Used a Care Credit Card to help with my pets juvenile cataracts. 0% interest helped a lot.

5 years ago