Comenity Bank is a bank that controls various retail brands’ credit accounts. It is incorporated under the name Alliance Data. It is a public company, offering loyalty marketing services. It was founded in 1996. Today, the bank is headquartered in Plano, TX. It currently serves clients in USA and Canada. The President and CEO of the company are Ed Heffernan who has held those positions since February 2009. Comenity currently serves over 50 million cardholders. They have over 150 retail brands that they provide store credit cards for. Some of their most popular brands that offer cards for are: Victoria’s Secret, Lane Bryant, West Elm, Ulta, J.Crew, and Orbitz, to name a few. To date, they are a billion dollar company and employ almost 20,000 people.
They are known for sometimes providing credit cards to customers with “less than perfect” credit and credit history. Their annual percentage rates range from 25-30%, with most cards not having an annual fee. Their billing date is 25 days after the close of each billing cycle. All credit card payments (regardless of the company) can be processed on Comenity’s website. For late payments, they may charge up to a $38.00 late fee on most cards. Additionally, all accounts are regularly monitored to ensure that they are being protected against fraud attempts.
If you would like to cancel your Comenity credit card, please read the details below carefully to ensure you accurately cancel your account. The instructions will include detailed step-by-step instructions on how to do so.
- First Name
- Last Name
- Phone Number
- Email Address
- Billing Address
- ZIP/Postal Code
- Reason for Cancellation
- Social Security Number
- Full Card Number
- First, locate the customer service telephone for your card on the back of the card itself.
- Pick up your phone and call the number you located
- Tell the representative that you’d like to cancel
- Help the representative locate your account by providing the info they ask for
- Ask the representative for a receipt, email, or confirmation number
- It’s important to keep the info about your cancellation, just in case!