RH Credit Account Application

Step 1: Application

Cardmember Benefits:

3 types of financing options¹
No annual fee**

¹,**See All Benefits

Your Personal Information

First Name

MI (optional)

Last Name

Suffix (optional)

-Select One-

Social Security Number

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Date of Birth

Annual Income

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Intended Purchase Amount (optional)

Intended Purchase Amount is the amount you plan to spend on your first purchase with this credit card, if you submit an application and your application is approved. Enter as a dollar amount with no dollar sign or decimal like this: 2000 for $2,000.00

Contact Information

Zip Code

Street Address

PO Box mailing addresses are not accepted.

Suite or Apartment (optional)

City

State

-Select One-

Email Address

Confirm Email Address

Mobile Phone

Alternate Phone

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

Yes

Continue

RH FINANCING¹

Please select the financing¹ option that suits your needs:

2.99% APR if paid in full in 12 months

3.99% APR if paid in full in 24 months

4.99% APR if paid in full in 36 months

5.99% APR if paid in full in 48 months

6.99% APR if paid in full in 60 months

If the balance is not paid in full in the specific promotional period or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard, variable purchase APR of 27.24%, based on the Prime Rate.**
Required minimum purchase of $1,000 for 12 months, 24 months, 36 months, 48 months, and for 60 months.¹

RH Members Program Only; Annual Membership Fee Required, Learn More About RH Membership

No Interest for 12 months

Interest will be charged to your account (at the standard, variable purchase APR) from the end of the promotional period on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase divided by the number of months in the promotional period, (rounded up to the nearest $1.00); or $5.00. Required minimum purchase of $1,000 for 12 months.¹

0.99% APR if paid in full in 24 months

1.99% APR if paid in full in 36 months

2.99% APR if paid in full in 48 months

3.99% APR if paid in full in 60 months

If the balance is not paid in full in the specific promotional period or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard, variable purchase APR of 27.24%, based on the Prime Rate.**
Required minimum purchase of $1,000 for 24 months, 36 months, 48 months, and for 60 months.¹

**Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase, including the calculated finance charges that will be assessed from the date of purchase through the end of the promotional period, divided by the number of months in the promotional period, (rounded up to the nearest $1.00); or $5.00. Required minimum purchase of $1,000 for 12 months, 24 months, 36 months, 48 months, and for 60 months.¹

¹RH Credit Card Accounts are offered by Comenity Bank which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $30.00. Minimum Interest Charge is $2.00, per credit plan. Standard, variable purchase APR of 27.24%, based on the Prime Rate. Subject to credit approval.

What is a credit report? A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report? We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report? You have a right to dispute any inaccurate information in your credit report.

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report? Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.

What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.

Your credit score as of 08/21/2019: 0

We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.

Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:

This temporary card is not valid until signed.

You may use your Temporary Shopping Pass as if it were your actual credit card with the following restrictions - once any of the limitations below are met, your temporary account number will no longer be valid for use:

You may use this Temporary Shopping Pass for up to
A single transaction cannot exceed $0.00
You may use the Temporary Shopping Pass for up to 0 transactions

RH Credit Account Application

Step 1: Application

Cardmember Benefits:

Your Personal Information

Contact Information

Add Authorized Buyer

The RH Credit Card account

Reward Terms and Conditions

Important Information About Your Credit Report.

Your Temporary Account

Know how to use your temporary account

Welcome Offer