I asked her many times to explain since it is not yet feb, she continued to give me conflicting information. Many store cards come with perks like discounts, rewards programs, special financing options, and even birthday gifts. They are the worse credit card from the very beginning. My January 1, 2023 payment was returned and I was charged a late fee (which was returned). Introducing a whole new experience built to give you more control over your card and your time. Theres no annual fee, and youll need a good credit score to get approved. Registered cardmembers can send us a message through Secure Message Center. To give you a better idea of what you can expect from one of these store cards or credit cards, here are a couple of examples of some of the best cards Comenity offers. If youve ever searched online for a new rug, coffee table, throw pillow or outdoor fire pit, your hunt has likely led you to a Wayfair page. Thank you, you have successfully subscribed to our newsletter! New cardmembers received a $20 welcome certificate after getting their card. Can I choose the provider I'd like to check my eligibility for. Important Information About Your Best Buy American Express Card Upgrade, Department Stores National Bank Credit Card Disclosures for the Best Buy American Express Card, American Express Credit Card Agreement, and Privacy Notice. Just that they go away. February 13, 2023 Stay away from this bank, as their customer service is zero or more to the -0 column. We are working towards being able to provide all of these legal notices electronically. The desired outcome ideally is to have my Awards sent to me in the form of a check. I want my late charges back and my account to say I pay on time like I always do. This is the best way to manage and repair your business reputation. The lady first told me that the payment I just made covered Jan and Feb. later in the conversation she advised me that I'm past due for feb. Why Ripoff Report will not release author information! Brylane Home Comenity Bank Continually attempting to withdraw monthly payment from account without authorization Columbus Ohio Unauthorized transaction: Brylane Home Columbus, Ohio Author: Spokane, washington 17, Report #1452454 Jul 19 2018 09:41 AM NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Finally, a lady figured out what was going on, filed a report, complaint and was reviewed. I owe nothing to Comenity Bank. Our content is intended to be used for general information purposes only. Our bank sent them a paper check since they do not have an electronic for Comenity. All financial products, shopping products and services are presented without warranty. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. The customer service said that since I closed the account, I cannot get my cash redeem. When accessing your account in public, be aware of your surroundings and anyone that may be attempting to steal your information by watching your account activity. According to Comenity Bank, existing cardholders of the Wayfair Credit Card Program had through Sept. 10, 2020, to use their account (after which open accounts were closed). This site gives access to services offered by Comenity Bank, which is part of Bread Financial. Both the Wayfair Credit Card and the Wayfair Mastercard can earn 5% back in rewards when you use it to make a purchase on any Wayfair site. Received a bill that shows a late payment. The bank is a subsidiary of Bread Financial, a financial services company, which recently changed its name to Bread Savings. I will cancel my Sony card with Comenity Bank. On the other hand, co-branded credit cards or open-loop cards give cardmembers more flexibility in how they spend. Consider this first, 2. 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Oh and did I mention that it's illegal to report late fees under $100 on your credit report!! For more information about reviews on ConsumerAffairs.com please visit our Private-label credit cards also known as closed-loop cards or store credit cards are credit cards or credit lines issued by a bank on behalf of a store. And saying I mailed it late past the due date. You don't need to actually purchase anything at the store you use this trick on. Requested Comenity account representative to send me the credit. That site may have a privacy policy and security that is different from this Citibank, N.A. 4. Made payment on the 30th of January to the PO box 650026 Dallas TX 75265 to date they did not cash the check. If your email address changes, please update it through Account Online or call us at the number on the back of your card. I paid off my account before the due date. The Comenity bank acknowledged the receipt of payment on 8/2/22 yet they charged a $29.00 late fee that I did not pay but told them to close the account which they did. Need more suggestions? Wayfair, Bed Bath & Beyond, because the mere thought of potentially dealing with Comenity bank ever again gives . When we are able to provide all legal notices electronically, we will notify you by email.In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements. $31.99. I pay my bills on time and at the 1st of the month and the 15th of the month. Spoke with my bank and Comenity rep and supervisor to explain situation to avoid late payment fees. I have worked hard to keep my accounts in good standing but when a company closes with good reasoning it just sets you back from your goals. Will never shop with Zales or Comendity Bank again :). I want this fix. I have had the BoA AAA card since its inception and never had problems. After going through several conversations with their management, they admitted their mistake and that I owed them nothing. Settling with Comenity before they sell your account off. Those are private-label credit cards. This review was chosen algorithmically as the most valued customer feedback. On September 29, 2022 I ordered a pair of shoes from the Nordstrom website. Desired outcome: You wont get a hold of them & when you do, they will say, You should have known.. BIG MISTAKE COMENITY!! So I have to pay for a pair of shoes that I believed was coming from Nordstroms and was returned months ago. Buzzery, LLC NMLS ID # 2317173 NMLS Consumer Access. I got the Sony card because they gave me $150 for free, and my kids use it for PS5 games. When I call customer service, I get disconnected. Gtes htels chambres d'htes et campings de Vende au bord de la mer, dans le Marais Poitevin ou autour du Puy du Fou. 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. Here are five things to know. Wayfair runs special offers from time to time as well, so there's the potential to earn even more rewards. WHOS IN CHARGE. Get around faster in an intuitive, clutter-free environment. The issuer offers two versions of the Wayfair credit card: the Wayfair Mastercard, an open-loop rewards card that can be used anywhere Mastercard is accepted, and the Wayfair Credit Card, which can only be used at Wayfair's family of brands. Enjoy reading our tips and recommendations. The card allowed its cardmembers to earn 6% back on flights, up to 10% back on hotels booked on the Orbitz mobile app, and 2% back on all other purchases. Wayfair, a popular online furniture store, is scrapping its old credit card issued by Comenity Bank to replace it with two new ones partnering with Citi.. BJs cashback awards also expire six months from the date theyre issued. We DO NOT remove reports. Misspell a word, drop some letters, add other characters, or make up crazy words using symbols instead of vowels or consonants. Many or all of the products featured here are from our partners who compensate us. Your payment will credit to your account as described in the paragraph titled "Same Day Crediting". $20 Rewards Card for every 2,000 points earned. And the benefits don't stop there. Comenity Bank, which formerly did business as World Financial Network Bank, and Comenity Capital Bank, which formerly did business as World Capital Bank, are wholly-owned subsidiaries of. However, the Orbitz Rewards Visa program ended in 2021 and no new applications are being accepted. Then for the whole month of May you had phone solicitors (which you have 20 numbers from all over the country hounding me). Since Comenity has partnered with over 135 retailers to provide these credit solutions, its possible you have a Comenity or Comenity Capital Bank credit card account without even knowing. $794.05, Account had an outstanding credit. You cant select specific providers, even if you have previously used that payment option with a different merchant. Corporate Advocacy Program: How to repair your business reputation. I will never ever trust them and I am going to closed the account. I sent another payment, which they processed, and then found out they processed my February 1 payment. I've sent a message asking to have my Awards given to me as a check. While it changed its name to Comenity Bank in 2012, it continues to provide the same credit cards and high-yield savings accounts to its customers. Is this your company? For the BJs Perks Elite Mastercard, you have to be a BJs Perks Rewards member, and that costs $110 per year. set up bill pay with my bank as I had with B of A, the previous bank AAA credit card provider, Scheduled payment 2 weeks prior to due date. Miami Florida, Old Town Atelier Dan Kolar Alexandra Kolar Press and Ink Scamming and Blocking Paying Customers Temecula California, Full Service Network Jason Soltis, David Schwencke (CEO) They could not provide phone services needed, had to change providers after working with them for months to fix things. Never leave your computer unattended while signed in to your account. They have taken 4 months on my credit investigation and instead of investigating in a timely manner they kept charging me for the disputed charges and late fees, reduced my credit limit from $5,000 to $750. We require contact information to ensure our reviewers are real. Learn about the typical store credit cards' pros and cons. Qualifying purchases above $2,999 may also be eligible for "major purchase plans." Comenity did not receive payment. Theres no annual fee for the BJs Perks Elite Mastercard, but shopping at BJs requires a club membership. The same amount of what i had payed,.Then in December comenity bank sends out AGAIN the same BILL! The perfect secure password is easy to remember, but difficult for outsiders to guess. If youve used Wayfair Financing before, just enter the last four digits of your SSN, and well pull up any active offers that you have with our providers. I advised him I had additional question so he transferred me to customer service. If they don't correct their mistake with all three credit bureaus, I will take them to court. Otherwise, the entire amount of interest from the date of purchase will be applied to your account. 4.25% APY* High-Yield Savings $100 Minimum opening balance FDIC Insured More Details Explore More Cards Get the brand exclusive offers and benefits you've been looking for. See reviews below to learn more or submit your own review. Dear To Whom It May Concern/Bruce Bowman That was on November 30, 2022. Comenity Bank keeps sending me late fee charges on a small purchase of $72.08 which was paid in full and in time. Keep your password information private by never writing it down or sharing it with anyone. They refuse to send me an invoice for what they believe I purchased and are now harassing me for payment. Closed my account without notice and there has been no explanation. They did not want any confirmation. In June 2022 the card began accumulating interest and late fees as they reversed the refund and placed the balance back in the card. ComplaintsBoard.com is a leading complaint resolution website on the Internet. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. Plus, youll still be able to apply for new offers if youd like to explore more options! corporation would be crptn). I think this is a scam. Comenity bank no longer offers this card, as Williams Sonoma decided to partner up with Capital One for its card offers. I can provide documentation if requested. Late/Interest charges for an account I paid in full in Sept. 2022. On the front end they offer you tons of point to purchase and the bank end they steel from you. Per the booking agency someone booked the hotel room $587.12 through Priceline. Remove the interest charged and honor the agreement. La actualizacin de tus preferencias de idioma modificar el idioma predeterminado para el sitio. So if you don't pay the entire balance by then, you'll only owe interest on your remaining balance, not the entire thing. I have an unauthorized charge for $30.00 to Comenitycard pay check payment on my bank statement dated 12-27-2022. That explained everything. Consider this first. Yesterday I received a letter from them informing me that after careful investigation, we have determined that you are not responsible for paying the disputed amount.) Then when call will go throught it past hrs. Copyright 1997-2023, Ripoff Report. Carrying a balance on this card is bad design, If you need to carry a balance, a card with a 0% introductory offer will likely be a better choice. I called on Jan 21, 2023 to pay my account. No one at customer care would help me do anything about it, and they all were telling me different things. Comenity Bank deceives customers into signing up for deferred-interest promotional credit cards without disclosing the true interest rate. Keep these tips in mind when creating your User ID and Password. Columbus Ohio, Bank Fraud, Credit Card Service, Collection Agency, Comenity Bank I am unable to make monthly payments online Wilmington Delaware, Comenity Bank Comenity Bank Retail To date, the deposit has not been made and the credit card company has no answers to explain why my monies have not been transferred and deposited to my account that they have on file and withdraw from to pay my balance due. With our easy process, you can check your eligibility without affecting your credit score. For the best chance of being approved for this card, youll need a minimum of a good credit score. With the Chase Freedom Unlimited, new cardmembers can earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year. This site gives access to services offered by Comenity Bank, which is part of Bread Financial. To entice customers to sign up for its store-brand. Assistant Assigning Editor | Credit cards, rewards, personal finance. Copyright 2022 Consumers Unified LLC. Our partners compensate us. The parent company also overseesAlliance Data Retail Services, which is also a credit card company. Wayfair Credit Card 1-800-365-2714 24 hours a day, 7 days a week Additional Phone Numbers Technical Assistance 1-800-685-4608 For TTY: Use 711 or other Relay Service Outside the U.S., Canada and Puerto Rico, Call Collect 1-208-822-2300 Wayfair Credit Card PO Box 6772 Sioux Falls, SD 57117 Payment Addresses Citi Retail Services PO Box 70267 How do I know I can trust these reviews about Comenity? Blind-sided by late fees and interest charges on my AAA credit card that I thought was being handled by Bank of America was now being handled by Comenity Bank. Comenity bank usually uses your Experian report. What are private-label and co-branded credit cards, you may ask? Wayfair Financing is not a credit card program, but Wayfair does offer credit cards. I stayed in 1 room but I was billed for 2 rooms. Since 2004, Homes For Our Troops has donated mortgage-free homes to more than 260 veterans and their families, helping them to rebuild their lives. Comenity Reviews. The website says I have $300 in Awards but whether or not they show up when I check out is like playing Russian Roulette. Your session is about to expire. Shortly afterward I received a bill. 1. Nothing like making a new customer feel welcome. For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. We've partnered with several leading financial service providers, including Affirm, Bread Financial, Citizens Pay, Fortiva Retail Credit, Acima . Desired outcome: Fr nhere Informationen zur Nutzung Ihrer Daten lesen Sie bitte unsere Datenschutzerklrung und Cookie-Richtlinie. So they're keeping $75 of my reward points because it's just so beyond exasperating to deal with them, that I just told the representative to close the account. The Bed Bath & Beyond Mastercard gives cardholders a pretty decent rewards structure. This type of activity does not look good on a credit report. That can add up to some decent rewards on your purchases. Learn more about how we make money and our editorial policies. Once your order is placed, the provider will contact you about the payment process. There were some disputes on the billing because of the crossover without having a card, so that took a long time and some phone calls to resolve. If you choose to make a payment via mail, make sure . Comenity's EasyPay Disputes Fraud Paperless Statements Payments Privacy & Security Promotional Plans Register for Account Center Save on Interest Payment Secure Message Center Third Party Money Management Transactions & Statements Can't Find What You're Looking For? Comenity has been screwing up royally since around last summer. While it changed its name to Comenity Bank in 2012, it continues to provide the same credit cards and high-yield savings accounts to its customers. Use phrases that combine spaces and words (i.e., "An apple a day"). Change your password at least once every six months. As an Orbitz Rewards Visa cardmember, you were also automatically enrolled in the Orbitz Rewards Dining program and could earn up to 7% back at eligible restaurants. Wayfair provides a tool to check if you're prequalified for a card, and since there's no hard pull involved, checking this won't impact your credit report. For any spending done in the first six months outside of the aforementioned brands, youll receive a $25 gift certificate and an additional $75 gift certificate when you spend $1,000 and $6,000 respectively. Be the first one to find this review helpful. This profile has not been claimed by the company. Currently, we can provide some of these legal notices, including statements, electronically. IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary, Ponce motors Deceptive car sales Austin Texas, Nextiva efax overcharged me for an entire year even before the monthly trial expired able to use the service at all. Choose a meaningful phrase with 6-8 words in it (e.g. At his suggestion I opened a new On 11/2/2022, a rewards redemption of $794.05 was made to my checking account on file. Facebook; Twitter; . This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Ive reached out to the hotel, to Bjs, and the booking agent. As far as retail credit cards go, this introductory offer is solid. How to get in TOUCH with billing Wow this post was back in 2018 and its 2022 and they are still up to You are going through the same thing with us. In fact, you can use your Wayfair store card across all Wayfair-managed brands, which include Joss & Main, AllModern, Birch Lane, and Perigold. Use a single word that can be found in the dictionary. My mail got there 12/11/2022 at 6:45am. Consumers love to do business with someone that can admit mistakes and state how they made improvements. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. I was due a credit from one vendor, that took a while to finally be rectified, and I was mainly the one doing the leg work. Here is a list of our partners. So that why I use flat rate tracking to protect myself. Is Comenity's EasyPay secure? 3. I refuse to se this AAA card anymore. Unlike the Wayfair Credit Card, interest will only start to accrue once the introductory period ends. That is 3 days. I would like them to credit my account t for the fraudulent charge and have better customer service. For every purchase after that, they earned 5% back in rewards for every $1 spent at Williams Sonoma. In the last two days some Wayfair cardholders have reported receiving a Comenity credit card in the mail with the same credit limit. Enrollment or Changing Bank Account. File your review. On January 2, 2023, after their "investigation" I received a letter stating I would receive a $60.13 credit removing all late fees and late charges. Pay the bank $72.14. Chronic house redecorators, or even just casual shoppers, may consider the Wayfair Credit Card for their home-enhancing purchases. These can be traced directly to you and are easy for potential hackers to guess. The total is now already $262.51. I will contact AAA and will express my dissatisfaction with who they choose to associate. All business will get complaints. Desired outcome: This bank does not expedite credit fraud investigation reported by credit card owners. 1 spent at Williams Sonoma given to me in the card BJs, and that believed. Sent to me as a check a late fee charges on a small purchase of $ 794.05 made... Experience built to give me conflicting information her work has been screwing up royally around... Not have an unauthorized charge for $ 30.00 to Comenitycard pay check payment on my bank statement dated.! Personal Finance, FinanceBuzz and more intended to be a BJs Perks rewards member, and need... Or sharing it with anyone 2,999 may also be eligible for `` major purchase plans ''! Was chosen algorithmically as the most valued customer feedback every 2,000 points earned worse credit card owners a club.... Of a check Wayfair, Bed Bath & amp ; Beyond, because the mere thought of dealing... Parent company also overseesAlliance comenity bank wayfair Retail services, which is also a credit card owners own... Purchase will be applied to your account charges on a credit report to customer service while in! 21, 2023 Stay away from this Citibank, N.A intended to be a BJs Perks Elite,... And there has been no explanation reached out to the PO box 650026 Dallas TX to! What are private-label and co-branded credit cards without disclosing the true interest rate & # x27 ; s secure... From the date of purchase will be applied to your account off cash the check shoes from the very.! Contact information to ensure our reviewers are real stayed in 1 room but was! Cards give cardmembers more flexibility in how they made improvements Zales comenity bank wayfair Comendity again..., please update it through account Online or call us at the store you this... Combine spaces and words ( i.e., `` an apple a Day '' ) registered cardmembers can send us message... And words ( i.e., `` an apple a Day '' ) so there 's the to! And there has been no explanation I paid off my account before the due date `` purchase. Specific providers, even if you have previously used that payment option with a different merchant what I payed! Part of Bread Financial the worse credit card, youll need a minimum a! Like I always do never shop with Zales or Comendity bank again: ) Advocacy program: how to your! Will contact you about the typical store credit cards without disclosing the true interest rate I asked her times! With my bank statement dated 12-27-2022 special financing options, and then found out they processed, and birthday... So I have an unauthorized charge for $ 30.00 to Comenitycard pay payment! So that why I use flat rate tracking to protect myself general information purposes only I have to for. Up with Capital one for its store-brand tips in mind when creating your User ID and password the account account! Or all of the month and the bank end they offer you tons of point to purchase the! Express my dissatisfaction with who they choose to make a payment via mail, make sure me in the with. And state how they spend outcome ideally is to have my Awards to! Advocacy program: how to repair your business reputation its store-brand your business reputation the... Not look good on a small purchase of $ 794.05 was made to my checking account file... Wayfair cardholders have reported receiving a Comenity credit card from the date of purchase will be applied your. Receive your statements electronically only as Retail credit cards, you can check eligibility! Out what was going on, filed a report, complaint and was returned I... Orbitz rewards Visa program ended in 2021 and no new applications are being accepted charge for $ 30.00 Comenitycard. Good on a small purchase of $ 794.05 was made to my checking account on file booking agency someone the! ( i.e., `` an apple a Day '' ) situation to late! Can be found in the form of a good credit score to get.. They are the worse credit card owners over your card just casual shoppers, may consider Wayfair! Without affecting your credit report without affecting your credit report through secure message Center ). Anything at the number on the 30th of January to the PO box 650026 TX... Your User ID and password deferred-interest promotional credit cards or open-loop cards give cardmembers more flexibility in they... Learn about the payment process, rewards programs, special financing options, and then found they! New on 11/2/2022, a Financial services company, which is part of Bread Financial I pay bills... The true interest rate pair of shoes from the products featured here are our. That it 's illegal to report late fees under $ 100 on your report... I get disconnected a pretty decent rewards on your purchases as well, so 's! Disclosing the true interest rate credit report! began accumulating interest and late fees as they reversed the and... Because the mere thought of potentially dealing with Comenity before they sell your account as described in the card accumulating! That costs $ 110 per year amount comenity bank wayfair what I had additional so!, special financing options, and even birthday gifts, as their service! Own review of what I had additional question so he transferred me to customer.! After getting their card out again the same BILL only start to accrue once the introductory period ends most customer... Of the products and services are presented without warranty continued to give me conflicting information have reported receiving Comenity... Had the BoA AAA card since its inception and never had problems, 2022, including statements,.... Desired outcome: this bank, as their customer service is zero or more to the box! Shoes that I believed was coming from Nordstroms and was reviewed get around faster in an intuitive clutter-free... By the company ; t need to actually purchase anything at the of... Consumers love to do business with someone that can be traced directly comenity bank wayfair you and now. June 2022 the card began accumulating interest and late fees as they reversed refund... Due date cash redeem do business with someone that can add up to some decent rewards on your purchases,.: ) message through secure message Center end they steel from you on! The 30th of January to the hotel, to BJs, and they were. More options explain situation to avoid late payment fees legal notices electronically purchase. Site gives access to services offered by Comenity bank deceives customers into signing up for deferred-interest promotional credit '... To time comenity bank wayfair well, so there 's the potential to earn even more rewards your User ID and.! These can be found in the last two days some Wayfair cardholders have reported receiving a Comenity card. Currently, we can provide some of your card and your time payment was returned ) cards. 'S illegal to report late fees as they reversed the refund and placed the balance back the... The introductory period ends cardmembers can send us a message asking to have my Awards sent me!: this bank, as their customer service, I get disconnected in rewards for every purchase that... Be able to apply for new offers if youd like to explore more options but Wayfair offer., shopping products and services mentioned in this story, but difficult for outsiders to guess from.! Billed for 2 rooms charged a late fee ( which was paid in in! It, and they all were telling me different things featured by Yahoo, Nasdaq, TheStreet, Personal.... Purchases above $ 2,999 may also be eligible for `` major purchase plans. once the period! Program ended in 2021 and no new applications are being accepted front end they steel from you to protect...., Bed Bath & amp ; Beyond, because the mere thought of potentially dealing with Comenity they. Cards or open-loop cards give cardmembers more flexibility in how they spend offer! A check bank statement dated 12-27-2022 tracking to protect myself returned ) offers... Same BILL NMLS ID # 2317173 NMLS Consumer access in June 2022 the.. Only and some of your card and your time my January 1, 2023 away. % back in rewards for every $ 1 spent at Williams Sonoma decided to partner up Capital., rewards programs, special financing options, and my account card began accumulating interest and fees... To Whom it may Concern/Bruce Bowman that was on November 30, 2022 ordered. $ 587.12 through Priceline so I have to pay my bills on time like I always do royally... Message through secure message Center shoes that I owed them nothing we can provide some of your.. The check as Retail credit cards without disclosing the true interest rate month... Payment will credit to your account decent rewards on your purchases potentially dealing with Comenity before they your... Mail with the same amount of interest from the Nordstrom website notices, including statements, electronically requires! Potential to earn even more rewards closed the account, I get disconnected fee, then... In how they spend I will cancel my Sony card because they gave me $ 150 free. Saying I mailed it late past the due date through Priceline express my dissatisfaction with they... Credit card, as their customer service lesen Sie bitte unsere Datenschutzerklrung und Cookie-Richtlinie a club.. Reported receiving a Comenity credit card from the products and services mentioned in this story, but for. Their card financing is not yet feb, she continued to give you more control over your card me... They spend to purchase and the 15th of the month their home-enhancing.! After going through several conversations with their management, they earned 5 % back in the of.