Retail credit cards offer generous cosmetics rewards point multipliers, but their high interest margins make them unforgiving financial products when neglected. Carrying a $500 balance at 32% APR rapidly erases any financial perks earned through free samples or store discounts.
Set up direct ACH payment drafts through the Comenity account portal or establish an automated transfer through your primary bank's online bill-pay utility. If an administrative emergency or technical glitch arises on your payment due date, use Comenity EasyPay before 8:00 PM Eastern Time to keep your account current and protect your credit history.
