How to Pay Your Yourfit Card and What Happens When You Don't
Yourfit Card payments go to Comenity Bank, not directly to Yourfit
The Yourfit Card is a store credit card issued by Comenity Bank. When you make a purchase at Yourfit or online, the charge goes on that Comenity account. Payments also go to Comenity—not to Yourfit itself. This matters because Comenity sets the due date, interest rate, and what happens if you miss a payment.
You can pay your Yourfit Card balance online through Comenity's website, by phone, by mail, or in person at a Yourfit store. The method you choose affects how quickly the payment posts and whether you avoid late fees.
Key Takeaways
- Yourfit Card payments are processed by Comenity Bank, and you can pay online, by phone, by mail, or at a store location.
- Your payment due date appears on your monthly statement, and paying even one day late triggers a late fee and may raise your interest rate.
- Online and phone payments usually post within one business day, while mailed checks can take 5 to 10 days to reach Comenity.
- If you cannot pay the full balance, paying at least the minimum due keeps your account in good standing, but interest accrues on the remaining balance.
- Missed payments are reported to credit bureaus after 30 days and can lower your credit score by 100 points or more.
Where to send or make your Yourfit Card payment
Online payment through Comenity's website is the fastest and most direct route. Log in to your account at the Comenity website or through the Comenity mobile app, select your Yourfit Card account, and enter the amount and payment date. The payment posts within one business day in most cases.
By phone, call the customer service number on the back of your Yourfit Card or on your statement. A representative will take your payment information and process it immediately. The payment typically posts the next business day.
By mail, send a check or money order to the address listed on your statement under "Payment Address." Do not send payment to a Yourfit store location—it will not reach Comenity in time. Mailed payments take 5 to 10 business days to post, so mail your payment at least two weeks before your due date to avoid a late fee.
In person at a Yourfit store, you can pay cash or debit card at the register. Ask the cashier for the payment process at your location, as not all stores may offer this option. Confirm the payment posted to your Comenity account within one business day.
What your due date means and what happens if you miss it
Your due date is printed on your monthly statement and is usually the same day each month. Comenity considers a payment late if it is not received by 11:59 p.m. on that date. One day late triggers a late fee, typically $25 to $35 depending on your account terms, and may cause your interest rate to jump to a penalty rate.
If you miss a payment by 30 days, Comenity reports the missed payment to the three major credit bureaus—Equifax, Experian, and TransUnion. This report stays on your credit report for seven years and can lower your credit score by 100 points or more. After 60 days, Comenity may freeze your account and stop allowing new charges. After 120 days, the account may be sent to a collection agency.
If you know you cannot pay by the due date, contact Comenity before the date passes. Some accounts may have hardship programs or temporary payment arrangements, though these are not may provide. Calling before you miss the payment is always better than calling after.
Minimum payment versus paying the full balance
Your statement shows both a minimum payment and your full balance. The minimum payment is usually 1 to 3 percent of your balance or a fixed dollar amount, whichever is higher. Paying the minimum keeps your account in good standing and avoids a late fee, but interest accrues on the remaining balance every month.
If you carry a balance, the interest rate on your Yourfit Card is set by Comenity and varies based on your credit score and account history. Rates typically range from 19 percent to 26 percent annual percentage rate (APR), though your rate may be different. This means if you owe $500 and pay only the minimum, you will pay interest on the $500 every month until it is paid off.
Paying the full balance each month avoids all interest charges. If you cannot pay the full balance, pay as much as you can above the minimum to reduce the amount of interest you owe over time.
How ACH transfers and automatic payments work
ACH stands for Automated Clearing House, a system that moves money directly from your bank account to Comenity. If you set up an automatic payment through Comenity's website, you provide your bank account number and routing number, and Comenity pulls the payment on the date you choose.
Automatic payments are useful if you want to ensure you never miss a due date. You can set up a payment for the full balance, the minimum payment, or a fixed dollar amount. The payment posts within one business day of the scheduled date.
If you set up automatic payments, check your bank account regularly to make sure the payment goes through. If your bank account does not have enough funds on the payment date, the ACH transfer may be rejected, and you could face an overdraft fee from your bank plus a late fee from Comenity. If this happens, log into Comenity and make a manual payment as soon as possible.
What to do if you cannot pay on time
Contact Comenity before your payment is late. Call the number on the back of your card or on your statement and explain your situation. Some accounts may be offered a one-time courtesy extension, a temporary lower payment plan, or a hardship program, though these are not may provide and depend on your account history and reason for hardship.
If you are experiencing financial hardship, ask Comenity whether they offer a hardship program. These programs may temporarily lower your interest rate, reduce your minimum payment, or pause late fees while you work out a payment plan. Hardship programs vary by account and are not automatic—you must request one.
If you have already missed a payment, paying the past-due amount immediately stops the clock on further late fees and prevents the account from being sent to collections. The missed payment will still be reported to credit bureaus, but paying it off quickly shows future lenders that you resolved the problem.
How late payments affect your credit and what you can do
A single late payment reported to credit bureaus can lower your credit score by 100 to 150 points, depending on your score before the late payment. The impact is largest in the first few months after the late payment is reported. Over time, the impact decreases, but the late payment remains on your credit report for seven years.
If you have a late payment on your Yourfit Card, you cannot remove it from your credit report yourself. However, you can write a letter to Comenity asking them to remove it as a goodwill gesture, especially if you have a long history of on-time payments and this is your first late payment. Comenity is not required to remove it, but some accounts are successful with this request.
The best way to rebuild your credit after a late payment is to make all future payments on time. After two years of on-time payments, the late payment has much less impact on your credit score. After seven years, it falls off your credit report entirely.
Frequently Asked Questions
Can I pay my Yourfit Card at a Yourfit store?
Some Yourfit store locations accept in-person payments at the register, but not all do. Call your local store or ask at checkout. For may provide payment processing, use Comenity's online portal, phone line, or mailed check instead.
What happens if I pay late by one day?
A payment received one day after your due date is considered late. You will be charged a late fee (typically $25 to $35) and your interest rate may increase to a penalty rate. The late payment does not appear on your credit report until 30 days have passed.
How long does it take for a mailed payment to post?
Mailed payments typically take 5 to 10 business days to reach Comenity and post to your account. Mail your payment at least two weeks before your due date to avoid a late fee. For faster processing, use online or phone payment instead.
Can I set up automatic payments for my Yourfit Card?
Yes. Log into your Comenity account online and select the option to set up automatic payments. You can choose to pay the full balance, the minimum payment, or a fixed amount on your due date each month. Make sure your bank account has sufficient funds on the payment date.
What should I do if I cannot afford to pay my full balance?
Pay at least the minimum payment by the due date to avoid late fees and credit damage. Contact Comenity before your due date to ask about hardship programs or temporary payment arrangements. Paying more than the minimum reduces the interest you owe over time.