Tuesday, December 6, 2022

Where Is Comenity Bank Located

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Routing Number For Comenity Bank In Delaware

Local bank donates $10,000 to Upstate charities

routing number for Comenity Bank in Delaware here.Total Assets:RSSD:FDIC CERT #:Branch LocationMorgan Stanley Private Bank NA ABA Routing Number: Routing numbers are also referred to as “Check Routing Numbers”, “ABA Numbers”, or “Routing Transit Numbers” . The ABA routing number is a 9-digit identification number assigned to financial institutions by The American Bankers Association . This number identifies the financial institution upon which a payment is drawn. Routing numbers may differ depending on where your account was opened and the type of transaction made. Each routing number is unique to a particular bank, large banks may have more than one routing number for different states.Fedwire Routing Number: Fedwire Transfer service is the fastest method for transferring funds between business account and other bank accounts.It is used for domestic or international transactions in which no cash or check exchange is involved, but the account balance is directly debited electronically and the funds are transferred to another account in real time. To complete a wire transfer, the sender must provide his bank name and account number of the recipient, the receiving account number, the city and state of the receiving bank and the bank’s routing number.

Williams Sonoma Store Card

Comenity bank no longer offers this card, as Williams Sonoma decided to partner up with Capital One for its card offers.

The Williams Sonoma store card used to be another option for the avid home shopper. Cardmembers were able to take 20% off when they open and use their Williams Sonoma credit card the same day. For every purchase after that, they earned 5% back in rewards for every $1 spent at Williams Sonoma.

New cardmembers received a $20 welcome certificate after getting their card. They also received another $25 certificate on their birthdays. This card had no annual fee, but the APR was high. Learn about the typical store credit cards’ pros and cons.

Bed Bath & Beyond Mastercard

The Bed Bath & Beyond Mastercard gives cardholders a pretty decent rewards structure. You can earn 5% back in rewards for every $1 you spend at Bed Bath & Beyond, buybuy BABY, Christmas Tree Shops andThat, Cost Plus World Market, and Harmon Face Values. You can also earn 2% back for every $1 you spend on gas and groceries, as well as 1% back for every dollar you spend anywhere else Mastercard is accepted.

Aside from rewards, Bed Bath & Beyond Mastercard holders can choose between six or 12 months of interest-deferred financing, depending on the amount of the purchase. Keep in mind that if the purchase balance isnt paid in full within the six- or 12-month promotional period or you make a late payment, the entire amount of deferred interest will be applied to your account.

New cardmembers can get a $25-off coupon for a purchase of $100 or more, and anytime you earn $10, youll receive $10 in rewards. 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.

When it comes to your interest rate, youll be given a standard variable APR based on your creditworthiness at the time you apply for the card. Theres no annual fee, and youll need a good credit score to get approved.

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Customer Reviews For Comenity Capital Bank

  • Nutzo

    May 5, 2022 |

    This is nuts! The new system associated with the new brand doesn’t allow you to transfer in or out more than $5,000. Other systems of this nature are easily defeated by initiating it from an outside bank, but this is rejected anything from an outside bank over that amount. Run away, don’t walk. It isn’t just nuts. It’s Nutzo!

  • Spiderman

  • JPP

    I got an email saying that they are changing their name to Bread. Bread strikes me as an awfully silly name. As long as the rates stay as competitive as they are and as the service stays as good as it is, I will live with it.

  • Luanne87

    As good as any of these. I would give it 5 stars, but then I would jinx myself and have a problem with them tomorrow. ūüôā

  • Jenny4Me

    I haven’t been a customer very long so far, but so far it is A+

Final Note: Comenity Banks Debt Collection Practices

Comenity Bank

It should be noted Comenity Bank was once sued by the Federal Deposit Insurance Corporation and forced to pay a settlement due to deceptive practices regarding the marketing and servicing of credit card add-on products. This involved Comenity telling customers its products didnt have any fees if they didnt have an account balance but then charging fees anyway. The bank also misrepresented or omitted information about product cancellations and conditions needed for earning rewards.

Comenity Bank may have learned its lessonthe settlement it was required to pay surpassed $50 million. However, consumers who use its products should make sure they are not charged any undisclosed fees or held hostage by other deceptive practices.

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What Is Comenity Bank

Last updated Aug. 10, 2022| By Matt Miczulski

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author’s own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Comenity Bank has been a pretty big player in the credit card industry for more than 30 years, but theres a good chance youve never even heard of it. Comenity provides retail partners with their own private-label and co-branded , so when the time comes to brand the credit card, the name Comenity takes a back seat.

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. Whether youre already a customer or in the market for a new credit card, understanding the financial institution behind many of these store cards might be worthwhile. Why? Because at the end of the day, Comenity is the credit card issuer, and knowing more about the bank you might do business with cant hurt.

Lets dive in and see what Comenity is all about.

Are Comenity Bank Cards In Visas Or Mastercards Network

Some Comenity Bank cards are included in major card networks like Visa and Mastercard, which means they can be used almost anywhere. One example is the Bed Bath & Beyond Mastercard, which can be used anywhere Mastercard is accepted. Other Comenity Bank cards are store cards, which means they can only be used in a specific store or a family of stores. A good example of this is the Big Lots Credit Card, which can only be used for purchases at Big Lots.

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Stores That Offer Retail Credit Cards Through Comenity Bank

Comenity Bank offers more than 145 credit cards with various retailers. Although many of the retailers are outside of the U.S. or only relevant on a regional basis, the bank also offers numerous cards for huge brands everyone has heard of. Some of its most popular store credit cards include:

  • Victorias Secret Credit Card
  • ALL Rewards Credit Card
  • Bed Bath & Beyond¬ģ Mastercard¬ģ
  • Ultamate Rewards¬ģ Mastercard¬ģ

Getting Approved For A Card From Comenity Bank

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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.

When you apply for one of Comenitys co-branded credit cards, youll be expected to have a higher credit score than what you would otherwise need for a store card. Since credit score requirements differ across stores, the best way to improve your odds of getting approved is to always practice good financial habits.

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Us Bank Cash+ Visa Signature Card

The U.S. Bank Cash+¬ģ Visa Signature¬ģ Card comes with no annual fee and offers 5 percent back in two eligible categories of your choice each quarter . Two of the category options for the first quarter of 2022 are department stores and select clothing stores. You can also earn 2 percent back on one everyday category of your choice and 1 percent back on all other eligible purchases. Be sure to select your categories each quarter or youll only earn 1 percent back on all purchases.

The card also includes a welcome bonus of $200 cash back after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening.

Important Events In Banks History

Below is a list of some important events in the history of Comenity Bank, including mergers and acquisitions.

DATEEVENT

05-01-1989Institution established. Original name: World Financial Network National Bank.

05-01-1989Changed Trust Powers to N/a.

05-01-1989Changed Organization Type to Credit Card Bank.

11-17-1997Main Office moved to 800 Techcenter Drive, Gahanna, OH 43230.

11-19-2007Main Office moved to 3100 Easton Square Place, Columbus, OH 43219.

08-09-2010Main Office moved to One Righter Parkway, Wilmington, DE 19803.

08-01-2011Institution withdraws from membership in the Federal Reserve System.

08-01-2011Changed Chartering Agency to State.

08-01-2011Changed Bank Class to State Chartered Bank, not member of the Federal Reserve System .

08-01-2011Changed Primary Federal Regulatory Agency to Fdic.

08-01-2011Changed Institution Name to World Financial Network Bank.

10-01-2012Changed Institution Name to Comenity Bank.

10-01-2012Main Office moved to One Righter Parkway, Suite 100, Wilmington, DE 19803.

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Alternatives To Comenity Bank Credit Cards

Knowing retail credit cards can sometimes be restrictive, you may want to consider credit cards that offer rewards for purchases made at any department store, not just one. Another option to consider is a cash back credit card, many of which let you earn at a flat rewards rate and come with no annual fee. You can often redeem your rewards for cash back in your bank account, gift cards, statement credits or more. Here are some alternatives to store cards to consider:

Comenity Capital Bank Reviews & Complaints

How to Delete or Cancel Comenity Bank

Patricia Bradley Acct. #5358 7820 1504322Because you changed your Debit Description from “COMENITY PAY BH WEB PYMT” to “COMN CAP APY F1” on my checking statement and did not include a reference phone number, I called my bank. They put me through… Read more

I am writing this letter to submit a formal complaint on a supervisor I spoke today, July 27th at 11:33am .I called 210-9412 to speak with someone about my Ulta Rewards credit card account and I ended up having to be transferred… Read more

I am cancelling every Comenity card I have. That’s 3. second month in a row their system errors have knocked me off of the auto pay. The first time they accused me of going off the autopay myself. No. Tried to charge me a late fee. Which I fought and… Read more

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Why You Can Trust Bankrate

At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:

  • Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
  • Consistently provide up-to-date, reliable market information so you\’re well-equipped to make confident decisions.
  • Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.

At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.

History Of Comenity Capital Bank

Below is a list of some important events in banks history, including mergers and acquisitions.

11-01-2018Main Office moved to 12921 South Vista Station Boulevard, Draper, UT 84020.

11-01-2018Main Office moved to 12921 South Vista Station Boulevard, Draper, UT 84020.

10-01-2012Changed Institution Name to Comenity Capital Bank.

10-01-2010Main Office moved to 2795 East Cottonwood Parkway, Suite 100, Salt Lake City, UT 84121.

12-01-2003Institution established. Original name: World Financial Capital Bank.

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Comenity Offers Both Store Cards And Credit Cards

Comenity Bank issues both private-label and co-branded credit cards for its retail partners. What are private-label and co-branded credit cards, you may ask?

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. Store cards can only be used to make purchases from a single company or retailer, such as a department store. So, for instance, if you open a store card at Boscovs, you can only use it at Boscovs.

Many store cards come with perks like discounts, rewards programs, special financing options, and even birthday gifts. Theyre also generally easier to get approved for than regular credit cards. However, store cards also tend to have higher as well. This can be costly if you dont pay your balances in full each month.

On the other hand, co-branded credit cards or open-loop cards give cardmembers more flexibility in how they spend. This type of card bears the name of both the retailer and the network it’s on Visa, Mastercard, American Express, or Discover. These credit cards can be used in store and anywhere else that brand of card is accepted.

You’ll typically need a higher to be approved for a co-branded credit card, and while its APR might not be as high as a store card, the rate will vary from card to card.

Comenity Capital Bank Information

Comenity Bank Cash Back Mastercard Review

Comenity Capital Bank was founded in December 2003 and is based in Draper, Utah. According to the Federal Deposit Insurance Corporation records and based on the institution’s charter type, Comenity Capital Bank is classified as a commercial bank, state charter and Fed nonmember, supervised by the FDIC. Comenity Capital Bank is a FDIC-insured bank with certificate number of 57570. The assigned Fed RSSD ID of Comenity Capital Bank is 3224580.

Comenity Capital Bank currently operates with 1 branch located in Utah. Comenity Capital Bank is the 36th largest bank in Utah. The bank does not have any offices outside Utah.

Bank routing number is a 9 digit code which is necessary to process Fedwire funds transfers, process direct deposits, bill payments, and other such automated transfers. We currently do not have a routing number for Comenity Capital Bank in our database.

The full address of bank headquarters is 12921 South Vista Station Boulevard, Draper, UT 84020. You can visit the official website of the bank at for more information and online banking service if available. For a list of all Comenity Capital Bank branches and detailed branch information like hours of operation, phone number and address please refine your search by selecting a location from the map or list.

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Alternatives To Comenity Cards

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.

With the Chase Freedom Unlimited¬ģ, new cardmembers can earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year. And the benefits don’t stop there. As a Freedom Unlimited cardmember, you’ll also get 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases. That can add up to some decent rewards on your purchases.

The Capital One Quicksilver Cash Rewards Credit Card also offers generous rewards for your everyday spending. New cardmembers can earn a $200 cash back bonus after spending $500 in the first 3 months, and this credit card offers flat-rate 1.5% cash back rewards on every purchase, every day plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. It’s a great option if you prefer straightforward and simple cashback rewards.

If you’re looking for a card with no annual fee, check out our list of the best no annual fee credit cards for our top picks.

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