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Even the same creditor may treat individual customers differently. Not every creditor treats all their delinquent accounts. If you default on any of your Comenity accounts, or with any of your other creditors, and you are unable to work out a solution with them, you will end up in collections. Otherwise, though you may find a lender willing to work with you, rates can be quite high. You need a strong credit score and stable income to get a good rate on an unsecured consolidation loan. If you're carrying balances on your credit cards and are looking for other sources to borrow money at a lower cost, look into an unsecured personal loan. Make sure you understand the fees that come with the balance transfer and how long the low introductory rate lasts. If your credit is in good standing and you have balances on your Comenity (or other high-interest cards), look into a balance transfer offer as a debt consolidation solution. Retail cards, like the one's issued by Comenity, commonly come with a high interest rate. Tip : You can reach the Comenity Customer Care center at 1-85. Ask for an interest rate reduction or permission to make a smaller-than-normal minimum payment, so you can avoid a costly late fee or a major hike in your card's interest rate. Call the customer service numbers and ask if they offer a financial hardship program. It may not solve your problem, but maintaining open communication is a smart choice. Dealing with Comenity Bank Contact Your CreditorsĪ basic rule to follow is to contact a creditor in advance before you miss any payments. This way, you'll know more about the options available if you are having trouble paying your bills on time. If you're struggling with your bills with any Comenity retailers, it is helpful to have a general idea of how creditors treat collection accounts, as well as how Comenity deals with its customers. If you have a credit card account with the retailers listed above, or one of the more than 100 other retailers that have their credit cards issued by Comenity, then you're really working with Comenity.
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Comenity Credit CardsĬomenity issues credit cards for the following retailers: In April 2022, Comenity Direct became Bread Savings. However, there are over 31 million Comenity customers. You may not even realize that you have a working relationship with Comenity, as the brands it works with have much more familiar names. It issues credit cards and collects payments for over 100 large US retailers. It manages the credit programs for over 100 large US retailers. Comenity used to go by the name World Financial Network Nation Bank (WFNNB), changing its name in 2012.
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Thank you for your question about your Comenity bank credit card debt and the best solution for your debt problems.įirst a little background on Comenity.