Comenity Capital is a financial institute, who issued more the 50 million cards to Americans. Especially, Comenity is one of the top Retails Store Credit Card providers in the United States. Adorama Credit Card is also a store card issuing by the Comenity Bank. You can use the card to purchase cameras, gaming PCs and other computer accessories form their departmental stores. However, this card does not have Visa or MasterCard facilities.
The Headquarters of the Comenity Bank, located in Wilmington, Delaware, United States. Comenity Bank started in 1989. The parent organization of the institute is Alliance Data. Currently, they have more than 125 credit programs in the United States. Furthermore, they are providing financial solutions for many popular brands in the world. In 1989, Comenity Bank became the first World Financial Network National Bank.
Rates & Fees of the Adorama Credit Card
The Annual Percentage Rate for the purchases is 29.99%. This rate is varying due to the prime rate and market conditions. The minimum interest charge is $2. Especially, the annual fee is zero for the Adorama credit card. Moreover, they have penalty charges. The late payment is up to $38. Also, the returned payment is up to $38. The card has an Alternative Payment Method Fee. This rate will be applicable up to $15. The foreign transaction fee also applies to the card.
Requirements of the Adorama Credit Card
- As per the customer reviews, we can assume the Required Credit Score as 550 or greater than that.
- The age of the applicant should not be less than 18 years.
- Should be a resident in the United States.
- You should have a valid Social Security Number.
- You should possess a valid government Identity Card
Advantages of the Adorama Credit Card
If you do purchase between $500.00 – $999.99, there is an interest-free period of six months. Likewise, they are giving a free interest period of 12 months, when you perform purchases of more than $1,000.00. Besides, the purchases between $750.00 – $1,499.99, of selected products and brands, will have a 24 months’ interest-free period. Most importantly, the card does not have an annual fee to pay.
Disadvantages of the Adorama Credit Card
While reviewing the customer feedback, there were negative responses to the card. Especially, there were issues in their online login portal. It seems they do not maintain their web portals properly. In addition to that, they do not properly compensate their customers. Few customers were complaining about their compensative matters. Not only that but customer service issues. A lot of customers complained about poor customer service.
How to apply?
Surprisingly, the bank has allowed submitting credit card applications online. Firstly, you have to click the apply button or signup button and complete the application. This process will take 5-7 business days. If you can create an account under Adorama, obviously you can process your payments online.
800-223-2500 is the number of credit card services.
How to Cancel?
You can cancel your card at any time you want. Most importantly, make sure that you have settled all the outstanding amounts before canceling the card.
( ABC Warehouse Credit Card is one of the best electronic store credit cards)