Credit Card Agreement

The Credit Card Account Agreement covers terms and conditions for using and managing a credit card account with Comenity Bank and Comenity Capital Bank. Please use the dropdown box to select and view an Agreement.

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What is a Credit Card Agreement (CCA)?

A Credit Card Agreement or CCA is a legally binding contract that details the financing and payment terms, conditions and interest rate(s) of your credit card account with Comenity Bank or Comenity Capital Bank. You may request a copy of your CCA or view it online at anytime.

Who is Comenity?

Comenity is the company behind your credit card (and the credit cards of more than 33 million cardmembers). Top brands --- including some of your favorites --- use our banks, Comenity Bank and Comenity Capital Bank, to build their credit programs. Learn more about us at comenity.net.