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Lane Bryant Credit Card Review: Is It Worth Having?

Lane Bryant Credit Card Review

If you’re a frequent shopper at Lane Bryant, you may be interested in their credit card. The Lane Bryant credit card offers a range of benefits and rewards, making it a popular choice among shoppers. In this article, we’ll review the Lane Bryant credit card, including its features, benefits, and drawbacks, as well as how to apply for and manage your account.

What is the Lane Bryant Credit Card?

The Lane Bryant credit card is a store-branded credit card that can be used exclusively at Lane Bryant stores and its affiliated brands, including Catherines and Cacique. The card is issued by Comenity Bank and offers cardholders a variety of exclusive benefits, including discounts, reward points, and free shipping offers.

Features and Benefits of the Lane Bryant Credit Card

The Lane Bryant credit card is issued by Comenity Bank and offers a range of features and benefits for cardholders. Here are some of the main features of the Lane Bryant credit card:

Rewards Program

One of the main benefits of the Lane Bryant credit card is its rewards program. With this program, you can earn points on every purchase you make with your card. Once you reach a certain number of points, you’ll receive a reward certificate that you can use toward future purchases at Lane Bryant.

Discounts and Offers

In addition to the rewards program, the Lane Bryant credit card also offers exclusive discounts and offers to cardholders. These discounts and offers can be used both in-store and online, making it easy to save money while shopping at Lane Bryant.

Easy Pay

The Lane Bryant credit card also offers an Easy Pay feature that allows you to split your purchase into four equal payments. This can be helpful if you’re making a large purchase and want to spread out the payments over time.

Free Shipping

Finally, the Lane Bryant credit card offers free standard shipping on qualifying orders when you use your card. This can be a great way to save money on shipping fees when shopping at Lane Bryant.

Drawbacks of the Lane Bryant Credit Card

While the Lane Bryant credit card offers many benefits, it’s important to be aware of its drawbacks as well. Here are some of the main drawbacks of the Lane Bryant credit card:

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High APR

The Lane Bryant credit card has a relatively high annual percentage rate (APR), which can make it expensive if you carry a balance on your card.

Limited Use

Another drawback of the Lane Bryant credit card is that it can only be used at Lane Bryant stores and on their website. If you’re looking for a card that you can use at a variety of retailers, this may not be the best option for you.

Applying for the Lane Bryant Credit Card

If you’re interested in applying for the Lane Bryant credit card, you can do so online or in-store. To apply online, simply visit the Lane Bryant website and click on the “Credit Card” link at the bottom of the page. You’ll then be prompted to fill out an application and submit it for review.

If you prefer to apply in-store, you can do so at any Lane Bryant location. Simply ask a sales associate for an application, fill it out, and submit it for review.

If you’re interested in applying for the Lane Bryant Credit Card, you can do so by following these steps:

  1. Visit the Lane Bryant website and navigate to the credit card section.
  2. Click on the “Apply Now” button to start the application process.
  3. Fill out the application form with your personal and financial information.
  4. Review and submit your application.
  5. Wait for a decision. If you’re approved, you’ll receive your card in the mail within 7-10 business days.

Requirements for the Lane Bryant Credit Card

To be eligible for a Lane Bryant credit card, you must meet the following requirements:

  1. Be at least 18 years of age or older
  2. Have a valid government-issued ID
  3. Have a valid Social Security number or tax identification number
  4. Have a U.S. mailing address
  5. Have a credit score that meets the minimum requirements

Can You Use Your Lane Bryant Credit Card Anywhere Else?

No, you cannot use your Lane Bryant credit card at any other stores or retailers. The card is exclusively for use at Lane Bryant and its affiliated brands, including Catherines and Cacique.

How to Pay Your Lane Bryant Credit Card

There are several ways to pay your Lane Bryant credit card, including online, by phone, or by mail. To make a payment online, simply log into your account and follow the prompts to make a payment. You can also make a payment by phone by calling the customer service number listed on the back of your card. Finally, you can mail your payment to the address listed on your monthly statement.

Lane Bryant Credit Card Charges and Fees

As with any credit card, Lane Bryant credit cardholders should be aware of the charges and fees associated with their account. Here’s a breakdown of the charges and fees you should be aware of:

Annual Fee

The Lane Bryant credit card has an annual fee of $0. However, there are other fees that may apply.

APR (Annual Percentage Rate)

The APR on the Lane Bryant credit card varies depending on the current Prime Rate. As of September 2021, the variable APR for purchases is 27.49%. The APR for cash advances is even higher, at 29.99%. It’s important to note that the APR can change at any time, so it’s a good idea to regularly check your account to stay up to date on any changes.

Late Payment Fee

If you don’t make your Lane Bryant credit card payment by the due date, you’ll be charged a late payment fee of up to $40. It’s important to always make your payment on time to avoid this fee.

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Returned Payment Fee

If a payment is returned for insufficient funds, you’ll be charged a returned payment fee of up to $40.

Foreign Transaction Fee

If you use your Lane Bryant credit card to make a purchase outside of the United States, you’ll be charged a foreign transaction fee of 3% of the transaction amount.

Cash Advance Fee

If you use your Lane Bryant credit card to get a cash advance, you’ll be charged a fee of either $10 or 4% of the amount of each transaction, whichever is greater.

It’s important to be aware of these charges and fees so that you can make informed decisions about using your Lane Bryant credit card. To avoid fees, it’s important to pay your bill on time and in full each month and to avoid taking out cash advances or using your card for foreign transactions.

Managing Your Lane Bryant Credit Card Account

Once you have been approved for the Lane Bryant credit card, you can manage your account online or through the Lane Bryant app. From your account dashboard, you can view your balance, make payments, and track your rewards points. You can also set up automatic payments to ensure that you never miss a payment deadline.

If you’re a Lane Bryant credit cardholder, managing your account can be done in a few different ways. Here’s a rundown of the options available to you:

Online Account Management

One of the easiest ways to manage your Lane Bryant credit card account is through their website. By logging in with your username and password, you can access your account information, view your statements, make payments, and more. You can also sign up for email or text alerts to keep track of your account activity.

Mobile App

If you prefer to manage your credit card account on the go, Lane Bryant also has a mobile app. It allows you to view your account information, pay your bill, and receive notifications about your account activity. The app is available for both iOS and Android devices and can be downloaded for free from the App Store or Google Play.

Customer Service

If you prefer to speak to a customer service representative, you can call the number on the back of your credit card to reach Lane Bryant’s customer service team. They can assist you with making a payment, checking your account balance, or any other questions you may have.

In-Store Payments

If you prefer to pay your Lane Bryant credit card bill in person, you can do so at any Lane Bryant store. However, not all stores may offer this service, so it’s best to call ahead and confirm with your local store.

Automatic Payments

To make paying your Lane Bryant credit card bill even easier, you can set up automatic payments. This way, your payment will be automatically deducted from your bank account on the due date each month. To set up automatic payments, log in to your account online or through the mobile app, and follow the prompts.

Lane Bryant Credit Card Login

If you’re a Lane Bryant credit cardholder, logging in to your account is easy. Here’s how to log in to your Lane Bryant credit card account:

  1. Go to the Lane Bryant credit card website (https://c.comenity.net/lanebryant/).
  2. Click on the “Sign In” button located in the top right corner of the page.
  3. Enter your username and password in the fields provided.
  4. Click on the “Sign In” button to access your account.
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If you haven’t created an online account yet, you can do so by clicking on the “Register for Online Access” link on the login page. You’ll need to provide your account number, ZIP code, and Social Security number to register.

Once you’re logged in to your Lane Bryant credit card account, you can view your account information, check your balance, make payments, view your statement, and more. It’s important to regularly check your account to stay up to date on any changes or activity on your account.

If you have any issues logging in to your Lane Bryant credit card account, you can contact customer service for assistance. The phone number for customer service is located on the back of your credit card.

Lane Bryant Credit Card Customer Service

If you have any questions about your Lane Bryant credit card, you can contact customer service by phone or email. The phone number for customer service can be found on the back of your card, and the email address can be found on the Lane Bryant website.

Pros and Cons of the Lane Bryant Credit Card

Before applying for any credit card, it’s important to consider both the pros and cons. Here are some of the pros and cons of the Lane Bryant credit card:

Pros:

  • Exclusive discounts and offers
  • Reward points for purchases
  • Easy pay feature
  • Online account management

Cons:

  • High-interest rates if not paid in full each month
  • Limited usability outside of Lane Bryant and affiliated brands
  • Limited reward options compared to other credit cards

Is the Lane Bryant Credit Card Right for You?

If you’re a frequent shopper at Lane Bryant and its affiliated brands, then the Lane Bryant credit card could be a great option for you. With exclusive discounts, reward points, and easy payment options, the card can offer a variety of benefits. However, if you’re not a frequent shopper or prefer a credit card with more versatile rewards and lower interest rates, then the Lane Bryant credit card may not be the best fit for you.

FAQ

What credit card does Lane Bryant use?

Lane Bryant offers its own branded credit card, which is issued by Comenity Bank. The card can be used at Lane Bryant and its affiliated brands, including Catherines, Cacique, and Fashion to Figure.

Can a Lane Bryant credit card be used anywhere?

No, the Lane Bryant credit card can only be used at Lane Bryant and its affiliated brands. It cannot be used at other retailers or for non-fashion purchases.

How easy is it to get a Lane Bryant credit card?

The ease of getting a Lane Bryant credit card depends on an individual’s creditworthiness and financial history. Applicants with good credit scores and credit histories are more likely to be approved for the card. However, those with poor credit scores or limited credit histories may have a harder time getting approved.

How can I pay for my Lane Bryant card?

There are several ways to pay a Lane Bryant credit card, including online, by phone, or by mail. To make a payment online, cardholders can log in to their account on the Lane Bryant website and navigate to the payment section. Payments can also be made over the phone by calling the number on the back of the card, or by mailing a check or money order to the payment address listed on the monthly statement.

Is Lane Bryant a credit card company?

No, Lane Bryant is a women’s clothing retailer that offers its own branded credit card issued by Comenity Bank.

What card is Bryant State Bank?

There is no such thing as Bryant State Bank. It is possible that this search term is a typo or a misunderstanding of the Lane Bryant credit card issuer, which is Comenity Bank.

Conclusion

Overall, the Lane Bryant credit card can be a great option for frequent Lane Bryant shoppers who want to earn rewards and save money on their purchases. However, it’s important to be aware of the card’s drawbacks, such as its high APR and limited use. If you decide to apply for the Lane Bryant credit card, be sure to manage your account responsibly to avoid unnecessary fees and charges.