How to Pay Your Comenity Bealls Credit Card
Where and how to send your Comenity Bealls payment
Comenity Bank issues the Bealls credit card, and payments go to Comenity, not to Bealls stores. You can pay online through your Comenity account, by phone, by mail, or in person at a Bealls location. The fastest and safest route is online—payments post within one business day. Phone payments take the same time but require you to speak with someone. Mail and in-store payments are slower and leave a longer paper trail if something goes wrong.
Your payment due date appears on your monthly statement and on your online account dashboard. Payments are due by 5 p.m. Eastern time on that date to avoid a late fee. If you pay after 5 p.m., Comenity records it as received the next business day. Weekends and holidays do not stop the clock—a payment due on Saturday is still due on Saturday.
Key Takeaways
- Pay online at Comenity's website or through your account app—this is the fastest method and posts within one business day.
- Phone payments go through Comenity's customer service line and take the same time as online payments, but you must call during business hours.
- Mail payments should be sent to the address on your statement and can take 7 to 10 days to post, so send them early if your due date is near.
- Late fees apply if your payment does not post by 5 p.m. Eastern time on the due date, and your interest rate may increase if you are 30 days late.
- Automatic payments through ACH (bank account debit) prevent missed due dates and are free to set up.
Paying online or through the Comenity app
Log into your Comenity account at comenity.com or open the Comenity mobile app. Select "Make a Payment" and choose your payment amount—you can pay the full balance, the minimum, or any amount in between. Enter your bank account information if you have not already saved it. Comenity will show you the exact date the payment will post before you confirm. Once you submit, you receive a confirmation number immediately.
Online payments are free and post within one business day. If you pay before 5 p.m. Eastern time on a business day, Comenity usually posts the payment the same day or by the next morning. Payments made after 5 p.m. or on weekends post the next business day. Keep your confirmation number in case you need to dispute the payment later.
Paying by phone
Call Comenity's customer service number on the back of your card. A representative will ask for your card number, the amount you want to pay, and your bank account information. Phone payments are free and post on the same timeline as online payments—within one business day. You will receive a confirmation number by phone, so write it down immediately.
Phone lines are open during standard business hours, typically 8 a.m. to 8 p.m. Eastern time, Monday through Friday, and limited hours on weekends. If you call outside these hours, you may reach an automated system that can process payments, but you will not speak to a person. Automated phone payments work the same way as online payments and post within one business day.
Paying by mail
Write a check or money order payable to Comenity Bank. Include your account number on the check. Mail it to the address printed on your statement under "Payment Address"—this address is different from the statement mailing address, so use the one labeled for payments. Mail payments typically take 7 to 10 business days to arrive and post, so send them at least two weeks before your due date if you want to avoid a late fee.
Keep a copy of your check or money order receipt. If Comenity does not post your payment within 10 business days of mailing, contact customer service with your receipt. Do not send cash through the mail—it cannot be traced if it is lost, and Comenity will not credit your account without proof of payment.
Paying in person at Bealls
Some Bealls locations accept credit card payments at the register, but not all do. Call your local Bealls store before you go to confirm they offer this service. In-store payments are processed by Bealls staff and sent to Comenity, so they take longer to post than online or phone payments—usually 3 to 5 business days. Ask for a receipt showing the date and amount you paid.
In-store payments are useful only if you are already shopping and want to pay immediately. For regular payments, online or phone is faster and leaves a clearer record. If you pay in person and your due date is within a few days, the payment may not post in time to avoid a late fee.
Setting up automatic payments to avoid missed due dates
Log into your Comenity account and select "Autopay" or "Automatic Payments." Choose the amount—full balance, minimum payment, or a fixed dollar amount—and the date each month when you want the payment to come out of your bank account. Comenity will debit your bank account on that date and post the payment within one business day. Automatic payments are free and do not require you to remember your due date.
Set your automatic payment date a few days before your statement due date to give yourself a buffer. If your due date is the 20th, set autopay for the 17th or 18th. You can change or cancel automatic payments anytime through your account. If your bank account changes, update it in your Comenity account before the next scheduled payment, or the payment will fail and you may be charged a late fee.
What happens if your payment is late
A payment is late if it does not post by 5 p.m. Eastern time on your due date. Comenity charges a late fee—the amount depends on your card terms and how high your balance is, but it typically ranges from $25 to $40. More importantly, a late payment can raise your interest rate, even if you pay just one day late. Your rate stays higher until you make six consecutive on-time payments.
If you are more than 30 days late, Comenity may report the late payment to credit bureaus, which damages your credit score. If you miss a payment, contact Comenity as soon as possible. Some representatives can waive a single late fee if you have a good payment history, but they are not required to. The longer you wait, the less likely they are to help.
Frequently Asked Questions
Can I pay my Comenity Bealls card at a Bealls store register?
Some Bealls locations accept payments at the register, but not all. Call your local store to ask. In-store payments take 3 to 5 business days to post, so they are slower than online or phone payments. If your due date is soon, pay online or by phone instead.
What if I pay online but my payment does not show up?
Log into your account and check the payment status—it may still be processing. If you paid before 5 p.m. Eastern time on a business day, it should post within 24 hours. If more than 24 hours have passed and the payment does not appear, call Comenity with your confirmation number. Do not pay again until you confirm the first payment failed.
Can I set up automatic payments for different amounts each month?
No. Automatic payments must be the same amount every month—either your full balance, your minimum payment, or a fixed dollar amount you choose. If you want to pay different amounts, you will need to make manual payments each month through your online account or by phone.
What time zone does Comenity use for the 5 p.m. payment deadline?
Comenity uses Eastern time for all payment deadlines, even if you live in a different time zone. If you live on the West Coast, 5 p.m. Eastern is 2 p.m. your time. Pay before that time on your due date to avoid a late fee.
If I pay more than the minimum, does it lower my interest charges?
Yes. Any amount you pay above the minimum reduces your balance, which lowers the interest Comenity charges on your next statement. Paying the full balance each month means you pay no interest at all. Paying only the minimum means you pay interest on the remaining balance.