comenity bank total rewards

Caesars Rewards Visa® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa. The Total Rewards Visa Card, which is issued by Comenity Bank, helps you maximize your Reward Credits earning potential for The Total. This site gives access to services offered by Comenity Capital Bank. My BJ's Perks® Mastercard® and My BJ's Perks® World Mastercard® Credit Card Accounts.
comenity bank total rewards

Comenity bank total rewards -

Toyota Rewards Visa Credit Card Review

Toyota drivers will get the most value from the Toyota Rewards Visa card since you can earn five points per $1 spent when you use your card at your local Toyota dealership. Consumers planning to purchase a new Toyota also would benefit since Toyota doesn’t limit the number of points you can earn. Depending on your credit limit, you could charge your entire down payment and still earn five points per $1 spent.

You also should get a substantial amount of value from the card if you’ve owned or leased your car long enough to make somewhat regular trips to the Toyota dealership for maintenance and repairs.

Pros
  • Great earnings rate on Toyota purchases

  • No cap on earning rewards

  • Good earnings rate on entertainment purchases

  • Good earnings rate on gas and dining purchases

Cons
  • Small new cardholder bonus

  • No introductory interest rate

Pros Explained

  • Great earnings rate on Toyota purchases: The Toyota Rewards Visa card offers one of the strongest rewards rates you can get on automobile expenses. The older your car and the more maintenance it needs, the more you potentially could earn. For example, 2019 Toyota Camry owners are expected to spend an average of more than $3,500 on maintenance in their car’s third, fourth, and fifth years combined and more than $1,100 on repairs during that same time period. That’s more than $230 worth of rewards points during that time period.
  • No cap on earning rewards:Unlike some no annual fee cards that offer 5% back on select purchases, the Toyota Visa card doesn’t limit how much you can earn. For example, if you use your card to put down a 10% deposit on a $24,000 car, you could earn $120 worth of rewards. 
  • Good earnings rate on entertainment purchases: The card’s 2:1 points per dollar ratio is on par with other auto cards and popular cash-back cards. If you regularly spend $90 per month on cable TV and $200 per month on entertainment, you’ll rack up nearly $70 worth of points annually.
  • Good earnings rate on gas and dining purchases: This also is a good card to use for filling up your tank or dining out. In addition to restaurant spending, you’ll earn 2 points per $1 spent at bakeries, bars, and coffee shops.

Cons Explained

  • Small new cardholder bonus: The Toyota card’s new cardmember bonus may be disappointing to cardholders who are accustomed to receiving $150 or more shortly after opening a new card. You have to hit the $500 requirement via non-Toyota purchases, though the $500 requirement to get the welcome bonus won’t take long for the average household to achieve.
  • No introductory interest rate: Perhaps the biggest downside to the Toyota Rewards Visa card is that it doesn’t offer a promotional interest rate. This is unfortunate since some cardholders may look to automobile cards with 0% introductory interest rates to help finance costly car repairs.

Toyota Rewards Visa Card’s Bonus for New Cardholders

You’ll need to charge at least $500 in the card’s first three months, and you can’t use a trip to your Toyota dealership to help get you there. Only non-Toyota purchases are counted for the card’s bonus threshold. You won’t earn much once you spend $500, either. The 5,000-point welcome bonus is worth only $50, while popular cash-back cards tend to have at least a $150 welcome offer.

Earning Points and Rewards

The Toyota Rewards Visa card’s rewards rate makes it a good card to use for various expenses. The card’s two points per $1 spent on gas, dining, and entertainment is about average for auto-branded cards, and the card’s 5-point earnings rate on Toyota purchases is average, as other leading auto cards have the same rate on in-dealership purchases.

That the Toyota card doesn’t limit the number of points you can earn also is striking—and it doesn’t charge an annual fee. This is similar to other auto cards but rare among cash-back cards that typically cap your rewards in 5% categories.

You don’t have to worry about losing your points as long as you keep your account open and current: Toyota points don’t expire.

Redeeming Rewards

The value of your Toyota points is simple and easy to keep track of: Every point is worth one 1 cent each, no matter how you decide to redeem them.

You can redeem your points when paying for maintenance and repairs or to make a down payment on a new Toyota lease or purchase. Or you can use your rewards points to purchase travel or gift cards or receive statement credits.

How to Get the Most out of This Card

Add another member of your household as an authorized user so you can pool your car expenses and other rewards purchases.

Since the Toyota card doesn’t cap rewards points, it’s a great card to help you maximize a two-car household’s spending and get more value out of routine maintenance and repairs, especially if both vehicles are Toyotas. You can add only one other authorized user, though, so if there are more than two people in your family with Toyotas, other household members will have to apply for separate cards.

Customer Experience

Comenity Bank issues the Toyota Rewards Visa. Customer service representatives are available to address your questions.

Security Features

Like many cards these days, the Toyota Rewards card lets you instantly lock your credit card when you misplace it and unlock it when you spot it. You also can set up notifications to alert you whenever someone tries to use your card. It doesn’t offer any other notable security features, though.

Toyota Rewards Visa Card’s Fees to Watch out For

The Toyota card’s fees are standard for a rewards card, although Comenity Bank may charge a fee for making payments by phone with a representative. You can, however, make payments for free through its automated system.

Источник: https://www.thebalance.com/toyota-rewards-visa-card-review-4775477

Your DSW Rewards Visa® or DSW Rewards Visa Signature Credit Card account agreement.

Your DSW Rewards Visa® or DSW Rewards Visa Signature Credit Card account agreement.

This card is issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa U.S.A. Inc. This Agreement covers the Terms and Conditions of your account with us. In this document, you will find important information about using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use of the account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms of this agreement, including the assessment of any interest charges and fees.

Section I of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute.

• You have a right to reject this Arbitration Provision.

• If you do not reject this Arbitration Provision, it will be part of this Agreement and will:

o Eliminate your right to a trial by jury; and

o Substantially affect your rights, including your right to bring, join in or participate in class proceedings.

• Section I does not apply to Covered Borrowers under the Military Lending Act. See Section J below. Please read each section carefully and keep this document for your records.

In the following sections, you will find information on:

Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account

A. Getting started: the basics of your account

B. Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen, as applicable

C. Learning more about your account: credit plans, credit limits, and how payments are calculated and applied

D. Interest, fees and charges: when and how fees and costs are applied to your account

E. Other important information: legal rights, costs, and how we’ll handle changes to your account

F. Disputes and reporting to consumer reporting agencies: data we provide, and receive from, consumer reporting agencies, and what to do if you think there is an error on your periodic statement

G. Optional products: how to protect your account from fraud or theft, and information on services that can help pay your debt in case of emergencies

H. Communicating with us: what happens when you contact us

I. Arbitration and jury trial waiver: how we’ll resolve disagreements, including a jury trial waiver and Arbitration provision

J. Important Information for Covered Borrowers under the Military Lending Act

Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make

Financial terms of your account

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for DSW Rewards Visa Card Purchases

15.98%, 21.99%, or 25.99% when you open your account, based on your creditworthiness.

After that, this APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for DSW Rewards Visa Signature Visa Card Purchases

15.98%, 21.99%, or 25.99% when you open your account, based on your creditworthiness.

After that, this APR will vary with the market based on the Prime Rate.

APR for Balance Transfers and Cash Advances

27.99%

This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00 per credit plan

For Credit Card Tips from the Consumer Financial Protection

Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau

at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx.

Fees

• Annual Fee

None

Transaction Fees

• Balance Transfer

• Cash Advance

• Convenience Checks

• Foreign Transaction

The greater of $10 or 3% of the amount of the balance transfer. The greater of $5 or 3% of the amount of the cash advance.

The greater of $5 or 3% of the amount of the convenience check.

3% of each transaction in U.S. dollars.

Penalty Fees

• Late Payment

• Returned Payment

Up to $38.00

Up to $38.00

How We Will Calculate Your Balance: We use a method called "daily balance." See your Account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Comenity Bank 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY 1-800-695-1788)

New York Residents: New York Residents may contact the New York state Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services 0 (000) 000-0000 or xxx.xxx.xx.xxx.

Rate Information: The following chart provides details on your variable rate as of August 1, 2017. We divide the APR by 365 to determine the daily periodic rate.

Add to Index

APR

Daily Periodic Rate

Purchase APR 3

11.73%

15.98%

0.04378%

Purchase APR 2

17.74%

21.99%

0.06024%

Purchase APR 1

21.74%

25.99%

0.07120%

Balance Transfers and Cash Advances APR

23.74%

27.99%

0.07668%

If this Agreement was provided to you at point of sale, see the Agreement sent with your new account welcome package for variable APR information in effect within 30 days of mailing.

We’ll charge you a minimum interest charge of $2.00 per credit plan for any billing period in which interest is due. For additional information, see Rates in Section D.

Minimum Payment: The Minimum Payment Due is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any Past Due amounts. The total Minimum Payment Due on your account won’t be less than $30.00. If your Account balance is less than $30.00, you must pay the amount indicated on your Statement in full. The Minimum Payment Due for each Regular Revolving and Cash Revolving Credit Plans will be:

• The greater of:

o 1% of the New Balance, excluding any new Regular Revolving or Cash Revolving Credit Plan Interest Charges shown on the Statement; or

o $5.00

• Plus any new Regular Revolving or Cash Revolving Credit Plan Interest Charges shown on the Statement rounded up to the nearest $1.00. See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.

The APR information described is accurate as of August 1, 2017. Due to a change in the index, this information may have changed. To find out more, call us at 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY: 1-800-695-1788), or write us at Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 or visit our website at xxxxxxxx.xxx/xxx.

A. Getting Started

Definitions

In this Agreement, "We," "Us" and "Our" mean Comenity Bank and any successor or assigns. "You" and "Your" mean each person who submits an application or solicitation for an Account with us. "Account" means your credit card account with us. "Card" means each credit card we issue for your Account, as applicable. "Credit Plan" means one or more payment program options DSW may ask us to offer from time to time.

Upholding your Agreement

• You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application or solicitation to obtain credit from us, you’ll be legally bound by this Agreement. You’re also legally bound if you sign a charge slip, or permit someone else to use the credit provided.

• You agree that the credit extended under your Account will be used only for personal, family or household purposes and not for business or commercial purpose.

• If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly and individually responsible for repaying all amounts due. If more than one person is responsible for this Account, we will only provide billing statements and communications to one of you.

• Any authorized user of your Account will be bound by the terms of this Agreement. One additional Card may be issued with the individual name of an authorized user embossed on the Card. If you want to revoke the use of your Account by an authorized user, either write us at the address, or call us at the phone number, shown on your Statement.

• You agree to pay for all transactions made on your Account by an authorized user, whether or not such transactions were authorized by you or made for your benefit.

Card signature (as applicable)

For your own protection, please sign your Card before using it. Keep in mind that your signature on the Card isn’t a prerequisite to your obligation to pay amounts incurred on your Account.

Using your Account

• Your Account may be used to make purchases from anywhere Visa is accepted.

• We reserve the right to not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities.

• You may obtain a loan from us under your Account by using your Card or a convenience check as follows: by purchasing goods or services with your Card or your Account number; by obtaining a cash advance from a financial institution, by use of an automated teller machine (ATM); by using a convenience check; or, by incurring charges authorized by this Agreement.

• From time to time, in our sole discretion, we may send you convenience checks for use in borrowing under this Agreement. All convenience checks you use will be treated as cash advances under this Agreement, and subject to the terms and fees that apply to cash advances, unless we advise you otherwise.

• You agree that convenience checks that you use will not be returned to you.

• You may not use the convenience checks to make payments on any Comenity Bank Account.

• You agree not to use a convenience check, and we do not have to pay any convenience check:

o if you are in default under this Agreement;

o if payment of that convenience check would cause your outstanding cash advance balance to exceed your cash advance limit; or

o if we cancel or suspend your right to use convenience checks

• From time to time, in our sole discretion, we may offer you the ability to transfer account balances from other credit card accounts you may have to the Account. We may, in our sole discretion, offer promotional plans for such balance transfers.

• You may use the Card to obtain cash advances through certain ATMs. You will need to call us at 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY: 1-800-695-1788) to request a Personal Identification Number (PIN) which must be used in order to obtain an ATM cash advance.

o Some limitations on ATM cash advances may apply, such as limitations on dollar amount, number, or currency denominations.

o You agree that any charges imposed by third parties for use of their ATM facilities will be added to your Account balance as a cash advance.

• You may use your Account for “Quasi-Cash” transactions which are the purchase of items that are convertible to cash or using the Account for similar cash- like transactions, such as the purchase of money orders, traveler’s checks, Visa TravelMoney Cards, or to initiate wire transfers or gaming transactions (if permitted by us). Quasi-Cash transactions are cash advances and will be subject to a Cash Advance Fee as explained below.

• If you make a purchase or obtain a cash advance in a foreign currency, it will be converted by Visa into U.S. dollars in accordance with Visa Operating Regulations in effect at the time the transaction is processed.

o The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.

o The currency conversion rate used may be the same as, greater than, or less than the amount that would be calculated by conversion through a financial institution in the country in which the purchase or cash advance occurred.

Making payments

• Pay your Account by sending a check, money order, or cashier’s check payable in U.S. dollars, to the name and address shown on your Statement specified for payments. Please don’t send cash.

• Be sure to include your payment stub, do not staple your payment to the stub, use the envelope provided with your Statement and don’t send any correspondence with your payment.

• If your payment doesn’t meet these requirements, it may not be credited to your Account for up to five days, or may be rejected.

• All written communications concerning disputed amounts, including any check or other payment instrument marked with "payment in full" or similar language, must be sent to 0000 Xxxxx Xxxx 0000 Xxxx, Xxxxx 000, Xxx Xxxxxxx, Xxxxx 00000-0000.

o We may accept a payment sent to any other address without losing any of our rights.

o No payment shall operate as an accord and satisfaction without our prior written approval.

B. Keeping your account in good standing

Avoiding default

You’ll be in default under this Agreement if you:

• Fail to make any payment when due

• Violate any provision of this Agreement

• Pass away

• Become the subject of bankruptcy or insolvency proceedings

• Supply us with misleading, false, incomplete or incorrect information

• Are unable or unwilling to perform the terms or conditions of this Agreement

• Fail to supply us with any information we deem necessary

• Default under any other loan or agreement you have with us or any of our affiliates

• Become incompetent

• Exceed your Credit Limit

• Issue a payment returned unpaid by your bank for any reason

If we consider your Account in default, we may suspend your ability to make charges, close your Account, require you to pay the full amount you owe immediately or take any other action permitted by law. If applicable law requires us to do so, we'll tell you in advance and/or give you the opportunity to remedy your default. Reporting a lost or stolen card (as applicable)

If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 or call us at 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY: 1-800-695-1788). You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.

C. Learning more about your account

Credit Plans

• Your Account may consist of a non-promotional ("Regular Revolving") Credit Plan and one or more promotional Credit Plans. Credit Plans offered and their particular features (including but not limited to minimum purchase requirements and minimum payment) may vary occasionally at our discretion and include one or more Regular Revolving or promotional Credit Plans.

• We may offer different promotional Credit Plans from time to time.

• If a promotional Credit Plan is offered at the time you open your Account, this Agreement will include information about the terms for the Plan, by use of an insert, attachment, or other written information provided as part of this Agreement.

• Normal late fees, returned payment fees and all other provisions apply to any promotional Credit Plan, unless inconsistent with a particular Credit Plan offering.

• If the promotional Credit Plan purchase isn't paid in full before the promotional period ends, the balance will be transferred to your Regular Revolving balance.

• Promotional Credit Plans may include:

o Waive Interest, Payment Required

o Waive Interest, Equal Payment

o Waive Interest, Low Payment

o Defer Interest, Equal Payment

o Defer Interest, Payment Required

o Defer Interest, Low Payment

o Low APR, Equal Payment

o Budget Payment

Skip-payment option

• At our discretion, we may allow you to skip making the Minimum Payment.

• Interest Charges will be assessed during the skip-payment period, but a late fee won’t be imposed. This will not be considered a waiver of any of the rights granted by this Agreement.

• All other terms of your Account apply during the skip-payment period.

Visa Credit limit

• Your Credit Limit is the total maximum amount we permit you to owe us at any time.

• You may not exceed any Credit Limit that we set for your Account.

• If you do exceed your Credit Limit, we can still charge you for all transactions, interest and other charges without giving up any of our rights under this Agreement.

• We may change your Credit Limit at any time.

Account cancellation

• You may cancel your Account. You’re still obligated to pay the full amount you owe us.

• We may cancel your Account at any time, for any reason.

• We may refuse to authorize any transaction on your Account. We may also suspend your Account and your right to use your Card, including each Card you give to others.

• We may stop offering any Credit Plan at any time, for any reason.

• Cancellation or suspension of your Account doesn’t negate your obligation to pay any amount you owe us.

• Cancellation of your Account includes each Card you give to others.

• Cards are issued with an expiration date. We have the right not to renew your Account.

Minimum Payment

• You can pay all of your Account balance at any time without penalty.

• You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your Statement.

• The Minimum Payment is the total of the minimum payments for the Regular Revolving and promotional Credit Plans plus any Past Due amounts.

• The Total Minimum Payment won’t be less than $30.00. If your Account balance is less than $30.00, you must pay the amount indicated on your Statement in full.

• The minimum payment for each Credit Plan is calculated as follows:

o The minimum payment for the Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will be the greater of:

(a) $5.00 or

(b) 3.5% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan.

o The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be the amount of the purchase divided by the number of months between the date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00.

o The minimum payment for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated interest charges that will be assessed from the date of purchase through the end of the promotional period divided by the number of months between the date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00.

o The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low Payment Credit Plans will be the greater of:

(a) $5.00 or

(b) 1.0% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan.

o For each Budget Payment Credit Plan or Open Charge Budget Payment Credit Plan, fixed monthly payments of $49, $99, $149, $199, or $299, based on the transaction amount.

o For Open Charge credit plans (except Open Charge Budget Payment Credit Plans), if your balance increases during the Open Charge period, your minimum payment will increase. The minimum payment for each Open Charge plan will be calculated based on the above Credit Plans.

Payment application

• We reserve the right to apply payments equal to or less than the Total Minimum Payment however we see fit, which may result in balances subject to lower interest rates being paid prior to other balances. This may also result in higher interest charges.

• Any payment you make in excess of the required Total Minimum Payment will be allocated to your Account as required by applicable law.

• Excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing periods of the promotional period.

D. Interest, fees and charges

Interest charges

• Interest charges begin on a transaction, fee or interest from the day added to the daily balance and continue until the balance is paid in full.

• There is a Grace Period on Regular Revolving Credit Plan purchases. This means we will not charge interest on such purchases if you pay in full each billing period.

• We will not charge interest on any portion of a payment allocated to the Regular Revolving Credit Plan that is paid within an applicable Grace Period.

• There is no period during which you can pay back a cash advance, any other transaction treated as a cash advance under this Agreement, or a balance transfer to avoid incurring an interest charge.

• If you make a purchase under any Waive Interest Credit Plan, we won't charge interest on the purchase if you pay the total purchase amount before the end of the promotional period. If you don't pay the total purchase amount before the end of the promotional period, we'll add the remaining amount to your Regular Revolving balance. We'll also begin charging interest on the purchase from the first day after the promotional period ends.

• If you make a purchase under any Defer Interest Promotional Credit Plan and don't pay the total amount before the end of the promotional period, we'll add the remaining purchase amount and the amount of accrued interest to your Regular Revolving balance.

• If you make a purchase under a Low APR, Equal Payment Credit Plan, interest will be assessed from the date of purchase through the end of the promotional period.

How we calculate Interest Charges on your Account

We calculate interest separately for each Credit Plan, using a "Daily Balance" to determine interest charges for each billing period. Our calculation method is as follows:

• We start with the beginning balance on your Account each day (including unpaid interest charges and fees).

• We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new transactions and debit adjustments posted as of that day. This gives us the "Partial Daily Balance" for the day.

• We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate. This gives us the "Daily Interest Charge" for the day, which we add to the day’s Partial Daily Balance.

• We’ve now determined the "Daily Balance," which will be the beginning balance for the following day. This results in daily compounding of interest charges.

• At the end of each billing period, we add together each Credit Plan’s Daily Interest Charge and make other adjustments, which gives us the total interest charge.

• Your Statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balances for each day in the billing period divided by the total number of days.

Rates

• To calculate a variable rate, for each billing period, we use an Index. The Index is the U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month preceding the month in which the billing period begins. (Our business days are Monday through Friday, excluding holidays.)

• Any variable APR will increase on the first day of the billing period after the Index increases.

• An increase or decrease in the APR will result in a corresponding increase or decrease in the amount of interest and may increase the Total Minimum Payment.

Other fees and charges

You agree to pay the following fees and charges:

• Late Fee: If you don’t pay at least the Minimum Payment Due by the Payment Due Date, we will charge you a late fee.

o The fee is $27.00 if you were not charged a late fee during any of the prior six billing periods.

o Otherwise, the fee is $38.00.

o This fee will not exceed the amount permitted by applicable law.

• Returned Payment Fee: We may charge you a fee for each payment that your bank doesn’t honor for any reason.

o The fee is $27.00 if you were not charged a returned payment fee during any of the prior six billing periods.

o Otherwise, the fee is $38.00.

o This fee will not exceed the amount permitted by applicable law.

• Although we may decide to do so, we aren’t required to attempt to collect a payment more than once.

• Document Fees: If we provide you with a copy of any Statement, sales draft or similar document at your request (except in connection with billing error inquiries or resolution), we may charge the Account the following fee(s), subject to any limitations of applicable law:

o Statement copy - $6.00

o Sales/Credit Draft copy - $6.00

o Check/Money Order copy - $6.00

• Alternative Payment Method Fee: We may offer alternative payment methods that allow you to make individual, expedited payments to your Account over the phone. If you choose to use this payment method, we may assess the current fee we charge for this service, subject to any limitations of applicable law. Currently, that fee is up to $15.00 but may change. We’ll let you know the current fee before you authorize any payment(s), and you can withdraw your request if you don’t want to pay the fee.

• Cash Advance Fee: For any cash advance other than a convenience check or balance transfer, you will pay a transaction fee equal to the greater of $5 or 3% of the amount of the cash advance. You take a cash advance if you use a convenience check; get money through an ATM; get money through a financial institution; or obtain Quasi-Cash.

• Convenience Check Fee: For any convenience check written against your Account, you will pay a transaction fee equal to the greater of $5 or 3% of the amount of the convenience check.

• Balance Transfer Fee: For any balance transfer from another account, you will pay a transaction fee equal to the greater of $10 or 3% of the amount of the balance transfer.

• Foreign Transaction Fee: For any charge or cash advance outside the United States or in a foreign currency, you will pay a transaction fee equal to 3% of the U.S. dollar amount of the transaction. If a charge or cash advance is converted into U.S. dollars our network providers (Visa, Mastercard, and Discover) will select either (1) a rate from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the network provider itself receives, or (2) a government-mandated rate in effect for the applicable central processing date.

• Return Convenience Check Fee: For each convenience check written against your Account which fails to clear and is returned unsatisfied, you will pay a fee of up to $35.

• Stop Payment Fee: For each convenience check written against your Account on which you request us to stop payment, you will pay a fee of up to $35, regardless of whether we actually stop payment on the convenience check.

E. Other important information

Collection costs

You agree to pay our reasonable costs for collecting amounts due, including reasonable attorneys’ fees and court costs incurred by us or another person or entity, to the extent not prohibited by applicable law and except as provided below.

• AL Residents: We will not charge attorneys’ fees if your unpaid balance is $300 or less.

• NH Residents: Reasonable attorneys’ fees may be awarded to you if you prevail in any action by or against us.

• WI Residents: If legal action is taken, we may seek statutory attorneys’ fees and costs, which you will pay if they are granted by the court.

Changes

We may add, change, or delete the terms of your Account. If required by applicable law, we will give you advance written notice of the change(s) and a right to reject the change(s).

Security Interest

You grant us a security interest in all goods you purchase through the use of the Account, now or at any time in the future and in all accessions to and proceeds of such goods. We waive any security interest we may have in your principal dwelling, to the extent that it would otherwise secure any obligation arising hereunder. Changes to your information

You agree to notify us immediately of any changes to your name, mailing address, electronic mail address or telephone number(s).

Governing Law

THIS AGREEMENT IS GOVERNED BY DELAWARE AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY APPLICABLE LAW.

Transfer of Rights/Assignment

Your rights under this Agreement can’t be transferred by you, by operation of law or otherwise, but your obligations will be binding upon your estate or personal representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any time without prior notice to you or your consent.

No Waiver of Rights

We can delay enforcing our rights under this Agreement without losing them.

Severability

If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law.

Notice to New Jersey Residents

All provisions of this agreement are valid, enforceable and applicable in New Jersey.

F. Disputes and Reporting to Consumer Reporting Agencies

Credit Reports

• You give us permission to investigate your credit record.

• You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in connection with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation. Upon request, we will tell you the name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.

• You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your Account to consumer reporting agencies.

• You give us permission to provide information about your Account to consumer reporting agencies and other creditors, as well as to the retailer whose name appears on your Card.

Credit report disputes

If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000.

Your written dispute must provide sufficient information to identify the Account and specify why the information is inaccurate:

• Account Information: Your name and Account number

• Contact Information: Your address and telephone number

• Disputed Information: Identify the Account information disputed and explain why you believe it is inaccurate

• Supporting Documentation: If available, provide a copy of the section of the credit report showing the Account information you are disputing

We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that the Account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported the information.

Your Billing Rights: Keep This Document For Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at: Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

• Description of problem: If you think there is an error on your xxxx, describe what you believe is wrong and why you believe it is a mistake. You must contact us:

• Within 60 days after the error appeared on your statement.

• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the xxxx is correct. While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that amount.

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

• We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your xxxx is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your xxxx. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your xxxx is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than

$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:

Comenity Bank

XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

G. Optional products

Credit insurance (as applicable)

Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your Account as a purchase on the last day of each billing period. You can cancel your coverage at any time.

Account Assure Pro Debt Cancellation (as applicable)

• Purchasing Account Assure Pro is optional.

• Enrolling in Account Assure Pro does not affect the terms of your existing credit agreement.

• The Account Assure Pro fee is based on your monthly statement balance, which is your balance on the last day of each billing period.

• You will receive terms and conditions, which you should carefully read for all benefit details and exclusions.

• You may cancel Account Assure Pro at any time.

• If you are currently unemployed, disabled, hospitalized or retired you are not eligible for Account Assure Pro benefits for your present situation; however, you may be eligible for other benefits based on future events.

H. Communicating with us

Communicating to you about your Account

If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, independent contractors, contractors, debt collectors or collection agencies, and to anyone to whom we may sell your Account, to communicate with you in any way, such as calling, texting, or email via:

1. Your cell, landline, text number or any number you provide, use to contact us, or any number which you may utilize, or to any other device or service for which you may be charged for the call, including, but not limited to, Voice Over Internet Protocol (“VOIP”);

2. Any email address you provide to us or any other person or company that provides any services in connection with this Agreement;

3. Automated telephone dialing systems;

4. Pre-recorded or artificial voice messages and any other form of communication.

You also agree that these communications aren’t unsolicited for purposes of any state or federal law and you understand that communications may result in additional mobile, text message, data charges or other charges.

Phone monitoring

• To provide you with high-quality service, phone communication with us is monitored and/or recorded.

• You agree that we monitor and/or record any phone calls between you and us.

• Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account.

Communication in Languages Other Than English

You agree to receive all communications and correspondence relating to your Account in English. We may, at our option, communicate with you and/or provide translated documents in a language other than English. Any such communications or documents are provided solely as a courtesy. We may stop communicating with you in non-English languages and/or providing translated documents at any time. While we have attempted to ensure the accuracy of our translations, we are not liable for any inaccuracies in translation or for any misunderstandings due to differences in language usage or dialect. In the event of any inconsistencies between the English version and the translation, the English version will control.

For Wisconsin residents:

If you are married, please contact us immediately upon receipt of this Agreement at 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY 1-800-695-1788) and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened a credit account for you.

For bankruptcy notifications:

All bankruptcy notices and related correspondence to Comenity Bank should be sent to the following address: Comenity Bank, Bankruptcy Department, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000.

I. Arbitration and jury trial waiver

For Covered Borrowers under the Military Lending Act (MLA)

Effective October 3, 2017 the MLA prohibits us from requiring you to submit to arbitration as a condition of extending credit. For additional information see Section J below.

A. Jury trial waiver

TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.

B. Notice and cure

Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further defined below, a "Claim"), the party asserting the Claim (the "Claimant") shall give the other party (the "Defendant") written notice of the Claim (a "Claim Notice") and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to the address we have in our records (or any updated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 (or any updated address we subsequently provide). Any Claim Notice you send must provide your name, address and Account number. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. You may only submit a Claim Notice on your own behalf and not on behalf of any other party. No third party, other than a lawyer you have personally retained, may submit a Claim Notice on your behalf. The Claimant must reasonably cooperate in providing any information about the Claim that the other party reasonably requests.

C. Arbitration provision

READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH

C.1. BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.

1. Your Right to Reject: If you don’t want this Arbitration Provision (and any prior arbitration agreement between you and us ("Prior Arbitration Agreement")) to apply, you may reject it by mailing us a written rejection notice which gives the name of each Cardholder and contains a statement that you (both of you, if more than one) reject the Arbitration Provision of this Agreement. The rejection notice must be sent to us at Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000. A rejection notice is only effective if it is signed by you (all of you, if more than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit card agreement or written notice providing you a right to reject this Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit.

2. Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms "we," "us" and "our" mean (a) Comenity Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the "Bank Parties"); and (b) any other person or company that provides any services in connection with this Agreement if you assert a Claim against such other person or company at the same time you assert a Claim against any Bank Party.

3. Covered Claims: "Claim" means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the Account, the issuance of any Card, any rewards program, any prior agreement or account. "Claim" includes disputes arising from actions or omissions prior to the date any Card was issued to you, including the advertising related to, application for or approval of the Account. "Claim" has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). "Claim" does not include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without limitation, the prohibition against class proceedings, private attorney general proceedings and/or multiple party proceedings described in Paragraph C.7 (the "Class Action Waiver"), the last sentence of Paragraph

Источник: https://www.lawinsider.com/contracts/diqvVPaTsch

Orbitz Credit Card Shutting Down, Existing Users Moving to New Card

The Orbitz Rewards® Visa® Card will soon splash down for good.

The Comenity-issued card, which had been closed to new applications since April 2021, is being discontinued entirely. As of Oct. 4, 2021, existing cardholders will no longer be able to use it to make purchases. The issuer says that between now and then, current customers will be transitioned to the Comenity Mastercard.

Unlike the Orbitz Rewards® Visa® Card — which earned Orbitz-centric travel rewards known as "Orbucks" and featured multiple bonus reward categories — the Comenity Mastercard will earn a flat 1.5% cash back on all purchases in the form of a statement credit. As with the Orbitz card, there'll be no annual fee.

» MORE: NerdWallet's best hotel credit cards

Comenity says any balance on an Orbitz Rewards® Visa® Card will be transferred to the new Comenity Mastercard, and any remaining Orbucks that had been earned with the Orbitz card will be moved into a customer's Orbitz Rewards Program account.

Membership in the separate Orbitz Rewards Program was required in order to apply for the Orbitz Rewards® Visa® Card, and Orbucks earned with the card came on top of Orbucks earned as an Orbitz Rewards Program member. The card also earned different rates depending on whether you booked through Orbitz's website or its mobile app — making it potentially lucrative, but also one of the most confusing credit cards on the market.

The Orbitz Rewards® Visa® Card offered:

  • 9% back (in Orbucks) on eligible prepaid hotel stays and activities booked on the Orbitz mobile app.

  • 8% back on eligible prepaid hotel stays and activities booked on Orbitz.com.

  • 7% back on eligible flights and travel packages booked on the Orbitz app.

  • 6% back on eligible flights and travel packages booked on Orbitz.com.

  • 5% back on all other qualifying Orbitz purchases.

  • 2% back on all other purchases.

Nerdy tip: Orbucks are redeemable only for booking hotel stays on Orbitz. One Orbuck equals $1 when redeeming this way.

That was a lot to keep track of. So while Orbitz cardholders are losing the potential to earn those bonus travel rewards, they're gaining a much simpler card that pays out rewards in the most flexible currency of all: cash back.

» MORE:Best credit cards to use on discount travel websites

Источник: https://www.nerdwallet.com/article/credit-cards/orbitz-credit-card-shutting-down-existing-users-moving-to-new-card

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.

Advertiser Disclosure

We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

The Total Rewards® Visa® Credit Card is no longer available. For other options, check out our list of the best hotel credit cards with no annual fee.

If you’re a member of the Caesars Entertainment Total Rewards® program and are looking for ways to boost your rewards both in and out of the casino, the Total Rewards® Visa® Credit Card is worth considering.

Even if you don’t have plans to visit Las Vegas in the near future, there are almost 40 participating resorts and casinos in the U.S. and Canada where the Total Rewards® Visa® Credit Card could help offset your stay. This includes Harrah’s, Caesars and Horseshoe locations.

What we like

Heads up

  • No annual fee
  • Earn 10,000 bonus reward credits after you spend $750 outside of a Total Rewards destination in the first 90 days of being approved
  • Reward credits can be transferred to Wyndham Rewards® points (and vice versa)
  • Spend $10,000 in the current calendar year and qualify for the VIP Access Pass
  • The card’s participating casinos are currently found in only 13 states (and a location in Ontario, Canada)
  • The variable APR for purchases can be 24.24%, 19.24% or 15.24%, depending on your creditworthiness
  • Balance transfers and cash advances have a high variable APR of 27.24%
  • Late payment and returned payment fees could cost you up to $38 each

  1. The rundown: Everything we like about the Total Rewards® Visa® Credit Card
  2. Heads up: What you should consider before applying for the Total Rewards® Visa® Credit Card
  3. Do the math: How to get the most out of the Total Rewards® Visa® Credit Card
  4. Bottom line: Is the Total Rewards® Visa® Credit Card right for you?

The rundown: Everything we like about the Total Rewards® Visa® Credit Card

The Total Rewards® Visa® Credit Card earns you reward credits that you can use to comp your hotel, food and entertainment purchases at participating Total Rewards locations. With your everyday spending, you’ll earn reward credits that you can put toward your next trip to a Total Rewards location, and you’ll get an extra boost on your earnings when you spend inside Total Rewards resorts and casinos.

Here’s a breakdown of the rewards you can earn.

  • 5 reward credits for every $1 spent inside Total Rewards resorts and casinos and on tickets purchased through TR Live Events
  • 2 reward credits for every $1 spent on gas, groceries and airline purchases
  • 1 reward credit for every $1 spent on everything else

There’s also a chance to rack up the reward credits with a sign-up bonus. You can earn 10,000 reward credits after you use the Total Rewards® Visa® Credit Card outside of a Total Rewards resort or casino and spend $750 within the first 90 days of being approved for the card.

Heads up: What you should consider before applying for the Total Rewards® Visa® Credit Card

Currently, Total Rewards casino and resort locations are found in only 13 states, plus one location in Ontario, Canada. To really maximize your reward credits earning potential, you’ll need to spend in Total Rewards locations. If you don’t live close to one or aren’t planning a trip, it may not make sense for you to get this card.

On top of that, your rewards can expire unless you earn one reward credit at least once every six months.

Also, the variable APR for purchases can range from 15.24% to 24.24%. Pay off the full balance of the card by the due date each month to avoid paying interest charges. 

Do the math: How to get the most out of the Total Rewards® Visa® Credit Card

A major perk of the Total Rewards® Visa® Credit Card is the opportunity to boost your Total Rewards membership status.

The Total Rewards® program has four tiers, determined by the tier credits you earn each year.

  • Gold: 0+ tier credits
  • Platinum: 5,000+ tier credits
  • Diamond: 15,000+ tier credits
  • Seven Stars®: 150,000+ tier credits

Tier credits are different from rewards credits and are earned when you gamble, shop, eat and stay at participating Total Rewards locations. Each tier comes with more perks.

If you have Gold status, you can really maximize the Total Rewards® Visa® Credit Card by making your first purchase in the first 90 days of approval. This will get you upgraded to Platinum. Here’s what you’ll enjoy with Platinum status.

  • A complimentary stay at Atlantis, Paradise Island in the Bahamas
  • A 15% discount at participating spas and gift shops within casinos
  • Preferred pricing at participating Total Rewards restaurants
  • Exclusive presale access for certain shows
  • Complimentary valet and self-parking at various Total Rewards destinations, including Las Vegas and Atlantic City

You’ll keep your Platinum status for the rest of the year that you upgraded for it. To keep up your Platinum status for the following year, you’ll need to spend $5,000 at Total Rewards locations in the current calendar year to qualify.

If you’re already a Platinum, Diamond or Seven Stars® member, the Total Rewards® Visa® Credit Card is a little less enticing. You’ll receive a one-time buffet pass when you make your first purchase with your new card in the first 90 days of approval.

Total Rewards members of any status can benefit from another one of the card’s perks, though: Spend $10,000 in a calendar year and you’ll qualify for the VIP Access Pass. That’ll get you VIP line access to restaurants, taxis, clubs, pools and more across Total Rewards Las Vegas locations.


Bottom line: Is the Total Rewards® Visa® Credit Card right for you?

If you’re a Total Rewards member and can maximize your spending in the 5x category, it could be worth it for you to get the Total Rewards® Visa® Credit Card. But if you don’t find yourself at a Total Rewards location that often, it may not be worth applying for.


About the author: Claire Tak has a background in editorial content marketing and strategy and writes about credit cards, paying off debt and saving money. She’s obsessed with travel and audiobooks. Read more.

Read More

Источник: https://www.creditkarma.com/credit-cards/i/total-rewards-visa

SECOND ROUND SUB, LLC ASSIGNEE OF COMENITY BANK (TOTAL REWARDS VISA CARD) VS GINA ESHAGHIAN

Case Summary

On 01/20/2021 SECOND ROUND SUB, LLC ASSIGNEE OF COMENITY BANK TOTAL REWARDS VISA CARD filed a Contract - Debt Collection lawsuit against GINA ESHAGHIAN. This case was filed in Los Angeles County Superior Courts, Chatsworth Courthouse located in Los Angeles, California. The Judge overseeing this case is RANDY RHODES. The case status is Other.

Case DetailsPartiesDocumentsDockets

  • Contract - Debt Collection

Judge Details

Judge

Plaintiff

SECOND ROUND SUB LLC ASSIGNEE OF COMENITY BANK TOTAL REWARDS VISA CARD

Defendant

Attorney/Law Firm Details

Plaintiff Attorney

  • DocketOn the Complaint filed by Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) on 01/20/2021, entered Request for Dismissal without prejudice filed by Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) as to the entire action

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  • DocketOrder to Show Cause Re: Failure to File Proof of Service and Failure to File Default Judgment Pursuant to CRC 3.740 scheduled for 01/26/2022 at 08:30 AM in Chatsworth Courthouse at Department F43 Not Held - Vacated by Court on 03/24/2021

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  • DocketProof of Service - No Service; Filed by: Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) (Plaintiff); As to: GINA ESHAGHIAN (Defendant)

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  • DocketOrder to Show Cause Re: Failure to File Proof of Service and Failure to File Default Judgment Pursuant to CRC 3.740 scheduled for 01/26/2022 at 08:30 AM in Chatsworth Courthouse at Department F43

    Read MoreRead Less
  • DocketCase assigned to Hon. Randy Rhodes in Department F43 Chatsworth Courthouse

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  • DocketComplaint; Filed by: Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) (Plaintiff); As to: GINA ESHAGHIAN (Defendant)

    Read MoreRead Less
  • DocketCivil Case Cover Sheet; Filed by: Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) (Plaintiff); As to: GINA ESHAGHIAN (Defendant)

    Read MoreRead Less
  • DocketSummons on Complaint; Issued and Filed by: Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) (Plaintiff); As to: GINA ESHAGHIAN (Defendant)

    Read MoreRead Less
  • DocketOrder to Show Cause Hearing/Trial Date (Cal. Rules of Court, rule 3.740); Filed by: Clerk

    Read MoreRead Less
  • DocketNotice of Case Assignment - Limited Civil Case; Filed by: Clerk

    Read MoreRead Less
  • DocketThe case is placed in special status of: Collections Case (CCP 3.740)

    Read MoreRead Less
Источник: https://unicourt.com/case/ca-la15-second-round-sub-llc-assignee-of-comenity-bank-total-rewards-visa-card-vs-gina-eshaghian-5562

Comenity credit cards: Which one is best for you?

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Use our table to browse all Comenity-issued cards. You can compare them in terms of rewards, annual fee and interest rates. If you want to know more about each card, check out our review.

Data updated regularly

Comenity is a financial services company that helps retailers produce one-of-a-kind credit cards. It’s the issuing bank behind more than 150 products that include the Forever 21 Credit Card and the Hot Topic Guest List Credit Card.

In fact, if you’re ever offered a store credit card, you may indirectly come into contact with Comenity. It’s been around for 30 years and boasts 50 million customers.

To apply for a Comenity card, visit the Comenity website and click Apply now.

Eligibility criteria

  • Must be at least 18 years old
  • Must have a residential US address

Information you’ll need

To complete the application, provide your:

  • Name and residential address
  • Social Security number
  • Email address, phone number and date of birth
  • Financial information such as annual income and income source

Comenity mostly focuses on store credit cards, adding a smattering of cards in the medical, education, hotel, auto and financial industries. Most of them can’t be used outside the store, but those that are Visa or Mastercard can be used everywhere.

Comenity Bank offers only one cashback card, which is on par with similar card products offered by large banks, such as Amex or Capital One. Unfortunately, you won’t find balance transfer cards, travel cards or student cards.

Standout benefits of a Comenity card

  • Store cards. Most Comenity cards are store cards, meaning all rewards you earn with these cards apply only to the specific store. Aside from rewards, most of these cards come with additional benefits at the store, such as special deals and discounts. Keep in mind, some store cards can’t be used outside the store to buy groceries, gas or make travel purchases.
  • Cashback card. The single Comenity Bank cashback product earns unlimited 1.5% back on all purchases, which is in line with competitor cards from American Express, Capital One and Wells Fargo.

Who can apply for a Comenity card?

Comenity cards are typically more accessible than other unsecured credit cards. While other cards can require a good credit score or higher, you can often get a Comenity product with fair credit.

Beyond making it more fun to shop at your favorite stores, a Comenity card can help you raise your credit score and they come with no annual fees.

  • Abercrombie & Fitch
  • American Home
  • American Kennel Club
  • Ann Taylor
  • Appleseed’s
  • Arhaus Archarge
  • Ashley Stewart
  • Avenue
  • Barney’s New York
  • Bealls Credit Card
  • Bed Bath & Beyond® Mastercard® Credit Card
  • Bedford Fair
  • Big Lots
  • BJ’s
  • Blair
  • Blue Nile
  • Boscovs
  • Boston Store Credit Card
  • BrylaneHome
  • Buckle
  • Burkes Outlet
  • Camping World/Good Sam
  • Caesars Rewards Visa® Credit Card
  • Catherines
  • Chadwicks of Boston
  • Children’s Place
  • Christopher & Banks
  • Colombian Emeralds
  • Crate & Barrel
  • David’s Bridal
  • Draper’s & Damon’s
  • DSW
  • Eddie Bauer
  • El Dorado Furniture
  • Express Next
  • Forever 21 Credit Card
  • FULLBEAUTY
  • GameStop
  • Gardner-White
  • Gordmans
  • Haband
  • Home & Garden Showplace
  • Hot Topic Guest List Credit Card

Comenity is a big player in store credit cards. If you’ve ever applied for a store credit card, you might have interacted with the company in some way.

If you’re not sure whether a Comenity product is right for you, compare other store cards or other rewards cards to find the right choice for your financial situation.

How does Comenity keep my credit card information secure?
Its Account Protection team monitors accounts 24/7 and will notify you if it spots unusual activity on your account. Comenity uses Secure Socket Layer (SSL) software to encrypt your data. It also uses a digital certificate so you can be sure you’re interacting with the real Comenity website and not a third-party site.

Can I use a Comenity store credit card outside of the retailer it’s issued for?
Typically, no. But if your card is cobranded with a payment network like Visa or Mastercard, you may be able to use it outside of the retailer it’s issued for.

Why don’t I need an excellent credit score to apply for a Comenity store card?
Most retailers approve cardholders who have at least a fair credit score to encourage shopping at their stores. This means they’re usually more lenient on extending credit.

Источник: https://www.finder.com/credit-cards/comenity-credit-cards

My Kohl's Card

Frequently asked questions

Did you receive my payment?

This information can be viewed in the Account Summary at My Kohl’s Card 24 hours after your payment has been posted to your account.

You can also receive your latest account information 24 hours a day by calling Kohl’s Customer Service at (855) 564-5748 and selecting option '2' from the main telephone menu.

If your payment was made after 7:00 p.m. central time, it may take up to 48 hours depending on the time of day it was submitted, before it becomes visible. You may view your pending payments at any time by selecting Payments followed by View Scheduled Payments or Payment History.

How do I apply for the Kohl’s Card?

Click here to apply for a card. You can also click here to see if you prequalify for the card without impacting your credit score.

If you are approved for the Kohl’s Card, you will receive a 35% off discount that you can apply to your purchase right away.

When will my card come in the mail?

Cards come in the mail between 7-12 days after getting approved. In the meantime, you can still shop in store or online following the steps below.

Shopping In Store: Bring your state issued ID and the associate will look up your account.

Shopping Online: Save your Kohl’s Card number as your primary payment option.

*35% COUPON IS VALID FOR ONE TRANSACTION IN STORE OR ONLINE WHEN YOU USE YOUR NEW KOHL’S CARD WITHIN 14 DAYS OF CREDIT APPROVAL. Surrender coupon with ID for in-store purchase before your card arrives or enter code on Kohls.com with your temporary account number to receive discount.

Limit one coupon per customer. DOLLAR-OFF COUPONS, INCLUDING KOHL'S CASH® COUPONS, KOHL'S REWARDS® AND PROMOTIONAL GIFTS, WILL BE APPLIED PRIOR TO PERCENT-OFF TOTAL PURCHASE COUPONS. Coupon cannot be used in conjunction with other percent-off coupons, including age-specific discounts. Coupon not valid on the following categories and brands of merchandise: Gift Cards; Kohl's Cares® cause merchandise or other charitable items; select online-exclusives; premium athletic; beauty and fragrance (including Sephora at Kohl's purchases); consumables; Curated by Kohl's brands; select electrics; premium electronics; premium footwear; select personal care; select novelty gifts; sporting goods; sports team merchandise; premium sunglasses; toys; Calvin Klein; Columbia; Crocs; Eddie Bauer; The Honest Company; select KitchenAid; Koolaburra by UGG; Lands' End; Levi's; Lovepop; ScentWorx; S'well; Tommy Hilfiger; and TOMS. See complete list of exclusions at Kohls.com/exclusions or look for signs in store. Coupon also not valid on price adjustments on prior purchases; payment on a Kohl's Card account; taxes, shipping and/or handling fees. Subject to credit approval. Reproductions or duplicates not accepted. Coupon is nontransferable. See associate for details.

Источник: https://www.kohls.com/sale-event/my-kohls-charge.jsp

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My Kohl's Card

Frequently asked questions

Did you receive my payment?

This information can be viewed in the Account Summary rabobank america business My Kohl’s Card 24 hours after your payment has been posted to your account.

You can also receive your latest account information 24 hours a day by calling Kohl’s Customer Service at (855) 564-5748 and selecting option '2' from the main telephone menu.

If your payment was made after 7:00 p.m. central time, it may take up to university of hawaii at manoa hoodie hours depending on the time of day it was submitted, before it becomes visible. You may view your pending payments at any time by selecting Payments followed by View Scheduled Payments or Payment History.

How do I apply for the Kohl’s Card?

Click here to apply for a card. You can also click here to see if you prequalify for the card without impacting your credit score.

If you are approved for the Kohl’s Card, you will receive a 35% off discount that you can apply to your purchase right away.

When will my card come in the mail?

Cards come in the mail between 7-12 days after getting approved. In the meantime, you can still shop in store or online following the steps below.

Shopping In Store: Bring your state issued ID and the associate will look up your account.

Shopping Online: Save your Kohl’s Card number as your primary payment option.

*35% COUPON IS VALID FOR ONE TRANSACTION IN STORE OR ONLINE WHEN YOU USE YOUR NEW KOHL’S CARD WITHIN 14 DAYS OF CREDIT APPROVAL. Surrender coupon with ID for in-store purchase before your card arrives or enter code on Kohls.com with your temporary account number to receive discount.

Limit one coupon per customer. DOLLAR-OFF COUPONS, INCLUDING KOHL'S CASH® COUPONS, KOHL'S REWARDS® AND PROMOTIONAL GIFTS, WILL BE APPLIED PRIOR TO PERCENT-OFF TOTAL PURCHASE COUPONS. Coupon cannot be used in conjunction with other percent-off coupons, including age-specific discounts. Coupon not valid on the following categories and brands of merchandise: Gift Cards; Kohl's Cares® cause merchandise or other charitable items; select online-exclusives; premium athletic; the home loan savings bank beauty and fragrance (including Sephora at Kohl's purchases); consumables; Curated by Kohl's brands; select electrics; premium electronics; premium footwear; select personal care; select novelty gifts; sporting goods; sports team merchandise; premium sunglasses; toys; Calvin Klein; Columbia; Crocs; Eddie Bauer; The Honest Company; select KitchenAid; Koolaburra by UGG; Lands' End; Levi's; Lovepop; ScentWorx; S'well; Tommy Hilfiger; and TOMS. See complete list of exclusions at Kohls.com/exclusions or look for signs in store. Coupon also not valid on price adjustments on prior purchases; payment on a Kohl's Card account; taxes, shipping and/or handling fees. Subject to credit approval. Reproductions or duplicates not accepted. Coupon is nontransferable. See associate for details.

Источник: https://www.kohls.com/sale-event/my-kohls-charge.jsp

Your DSW Rewards Visa® or DSW Rewards Visa Signature Credit Card account agreement.

Your DSW Rewards Visa® or DSW Rewards Visa Signature Credit Card account agreement.

This card is issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa U.S.A. Inc. This Agreement covers the Terms and Conditions of your account with us. In this document, you will find important information about using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use of the account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms of this agreement, including the assessment of any interest charges and fees.

Section I of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute.

• You have a right to reject this Arbitration Provision.

• If you do not reject this Arbitration Provision, it will be part of this Agreement and will:

o Eliminate your right to a trial by jury; and

o Substantially affect your rights, including your right to bring, join in or participate in class proceedings.

• Section I does not apply to Covered Borrowers under the Military Lending Act. See Section J below. Please read each section carefully and keep this document for your records.

In the following sections, you will find information on:

Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account

A. Getting started: the basics of your account

B. Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen, as applicable

C. Learning more about your account: credit plans, credit limits, and how payments are calculated marcos pizza applied

D. Interest, fees and charges: when m night shyamalan in his own movies how fees and costs are applied to your account

E. Other important information: legal rights, costs, and how we’ll handle changes to your account

F. Disputes and reporting to consumer reporting agencies: data we provide, and receive from, consumer reporting agencies, and what to do if you think there is an error on your periodic statement

G. Optional products: how to protect your account from fraud or theft, and information on services that can help pay your debt in case of emergencies

H. first united bank online sign up with us: what happens when you contact us

I. Arbitration and jury trial waiver: how we’ll resolve disagreements, including a jury trial waiver and Arbitration provision

J. Important Information for Covered Borrowers under the Military Lending Act

Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make

Financial terms of your account

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for DSW Rewards Visa Card Purchases

15.98%, 21.99%, or 25.99% when you open your account, based on your creditworthiness.

After that, this APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for DSW Rewards Visa Signature Visa Card Purchases

15.98%, 21.99%, or 25.99% when you open your account, based on your creditworthiness.

After commercial property for lease sun valley ca, this APR will vary with the market based on the Prime Rate.

APR for Balance Transfers and Cash Advances

27.99%

This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00 per credit plan

For Credit Card Tips from the Consumer Financial Protection

Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau

at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx.

Fees

• Annual Fee

None

Transaction Fees

• Balance Transfer

• Cash Advance

• Convenience Checks

• Foreign Transaction

The greater of $10 or 3% of the amount of the balance transfer. The greater of $5 or 3% of the amount of the cash advance.

The comenity bank total rewards of $5 or 3% of the amount of the convenience check.

3% of each transaction in U.S. dollars.

Penalty Fees

• Late Payment

• Returned Payment

Up to $38.00

Up to $38.00

How We Will Calculate Your Balance: We use a method called "daily balance." See your Account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Comenity Bank 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY 1-800-695-1788)

New York Residents: New York Residents may contact the New York state Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services 0 (000) 000-0000 or xxx.xxx.xx.xxx.

Rate Information: The following chart provides details on your variable rate as of August 1, 2017. We divide the APR by 365 to determine the daily periodic rate.

Add to Index

APR

Daily Periodic Rate

Purchase APR 3

11.73%

15.98%

0.04378%

Purchase APR 2

17.74%

21.99%

0.06024%

Purchase APR 1

21.74%

25.99%

0.07120%

Balance Transfers and Cash Advances APR

23.74%

27.99%

0.07668%

If this Agreement was provided to you at point of sale, see the Agreement sent with your new account welcome package for variable APR information in effect within 30 days of mailing.

We’ll charge you a minimum interest charge of $2.00 per credit plan for any billing period in which interest is due. For additional information, see Rates in Section D.

Minimum Payment: The Minimum Payment Due is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any Past Due amounts. The total Minimum Payment Due on your account won’t be less than $30.00. If your Account balance is less than $30.00, you must pay the amount indicated on your Statement in full. The Minimum Payment Due for each Regular Revolving and Cash Revolving Credit Plans will be:

• The greater of:

o 1% of the New Balance, excluding any new Regular Revolving or Cash Revolving Credit Plan Interest Charges shown on the Statement; or

o $5.00

• Plus any new Regular Revolving or Cash Revolving Credit Plan Interest Charges shown on the Statement rounded up to the nearest $1.00. See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.

The APR information described is accurate as of August 1, 2017. Due to a change in the index, this information may have changed. To find out more, call us at 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY: 1-800-695-1788), or write us at Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 or visit our website at xxxxxxxx.xxx/xxx.

A. Getting Started

Definitions

In this Agreement, "We," "Us" and "Our" mean Comenity Bank and any successor or assigns. "You" and "Your" mean each person who submits an application or solicitation for an Account with us. "Account" means your credit card account with us. "Card" means each credit card we issue for your Account, as applicable. "Credit Plan" means one or more payment program options DSW may ask us to offer from time to time.

Upholding your Agreement

• You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application or solicitation to obtain credit from us, you’ll be legally bound by this Agreement. You’re also legally bound if you sign a charge slip, or permit someone else to use the credit provided.

• You agree that the credit extended under your Account will be used only for personal, family or household purposes and not for business or commercial purpose.

• If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly and individually responsible for repaying all amounts due. If more than one person is responsible for this Account, we will only provide billing statements and communications to one of you.

• Any authorized user of your Account will be bound by the terms of this Agreement. One additional Card may be issued with the individual name of an authorized user embossed on the Card. If you want to revoke the use of your Account by an authorized user, either write us at the address, or call us at the phone number, shown on your Statement.

• You agree to pay for all transactions made on your Account by an authorized user, whether or not such transactions were authorized by you or made for your benefit.

Card signature (as applicable)

For your own protection, please sign your Card before using it. Keep in mind that your signature on the Card isn’t a prerequisite to your obligation to pay amounts incurred on your Account.

Using your Account

• Your Account may be used to make purchases from anywhere Visa is accepted.

• We reserve the right to not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities.

• You may obtain a loan from us under your Account by using your Card or a convenience check as follows: by purchasing goods or services with your Card or your Account number; by obtaining a cash advance from a financial institution, by use of an automated teller machine (ATM); by using a convenience check; or, by incurring charges authorized by this Agreement.

• From time to time, in our sole discretion, we may send you convenience checks for use in borrowing under this Agreement. All convenience checks you use will be treated as cash advances under this Agreement, and subject to the terms and fees that apply to cash advances, unless we advise you otherwise.

• You agree that convenience checks that you use will not be returned to you.

• You may not use the convenience checks to make payments on any Comenity Bank Account.

• You agree not to use a convenience check, and we do not have to pay any convenience check:

o if you are in default under this Agreement;

o if payment of that convenience check would cause your outstanding cash advance balance to exceed your cash advance limit; or

o if we cancel or suspend your right to use convenience checks

• From time to time, in our sole discretion, we may offer you the ability to transfer account balances from other credit card accounts you may have to the Account. We may, in our sole discretion, offer promotional plans for such balance transfers.

• You may use the Card to obtain cash advances through certain ATMs. You will need to call us at 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY: 1-800-695-1788) to request a Personal Identification Number (PIN) which must be used in order to obtain an ATM cash advance.

o Some limitations on ATM cash advances may apply, such as limitations on dollar amount, number, or currency denominations.

o You agree that any charges imposed by third parties for use of their ATM facilities will be added to your Account balance as a cash advance.

• You may use your Account for “Quasi-Cash” transactions which are the purchase of items that are convertible to cash or using the Account for similar cash- like transactions, such as the purchase of money orders, traveler’s checks, Visa TravelMoney Cards, or to initiate wire transfers or gaming transactions (if permitted by us). Quasi-Cash transactions are cash advances and will be subject to a Cash Advance Fee as explained below.

• If you make a purchase or obtain a cash advance in a foreign currency, it will be converted by Visa into U.S. dollars in accordance with Visa Operating Regulations in effect at the time the transaction is processed.

o The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.

o The currency conversion rate used may be the same as, greater than, or less than the amount that would be calculated by conversion through a financial institution in the country in which the purchase or cash advance occurred.

Making payments

• Pay your Account by sending a check, money order, or cashier’s check payable in U.S. dollars, to the name and address shown on your Statement specified for payments. Please don’t send cash.

• Be sure to include your payment stub, do not staple your payment to the stub, use the envelope provided with your Statement and don’t send any correspondence with your payment.

• If your payment doesn’t meet these requirements, it may not be credited to your Account for up to five days, or may be rejected.

• All written communications concerning disputed amounts, including any check or other payment instrument marked with "payment in full" or similar language, must be sent to 0000 Xxxxx Xxxx 0000 Xxxx, Xxxxx 000, Xxx Xxxxxxx, Xxxxx 00000-0000.

o We may accept a payment sent to any other address without losing any of our rights.

o No payment shall operate as an accord and satisfaction without our prior written approval.

B. Keeping your account in good standing

Avoiding default

You’ll be in default under this Agreement if you:

• Fail to make any payment when due

• Violate any provision of this Agreement

• Pass away

• Become the subject of bankruptcy or insolvency proceedings

• Supply us with misleading, false, incomplete or incorrect information

• Are unable or unwilling to perform the terms or conditions of this Agreement

• Fail to supply us with any information we deem necessary

• Default under any other loan or agreement you have with us or any of our affiliates

• Become incompetent

• Exceed your Credit Limit

• Issue a payment returned unpaid by your bank for any reason

If we consider your Account in default, we may suspend your ability to make charges, close your Account, require you to pay the full amount you owe immediately or take any other action permitted by law. If applicable law requires us to do so, we'll tell you in advance and/or give you the opportunity to remedy your default. Reporting a lost or stolen card (as applicable)

If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 or call us at 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY: 1-800-695-1788). You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.

C. Learning more about your account

Credit Plans

• Your Account may consist of a non-promotional ("Regular Revolving") Credit Plan and one or more promotional Credit Plans. Credit Plans offered and their particular features (including but not limited to minimum purchase requirements and minimum payment) may vary occasionally at our discretion and include one or more Regular Revolving or promotional Credit Plans.

• We may offer different promotional Credit Plans from time to time.

• If a promotional Credit Plan is offered at the time you open your Account, this Agreement will include information about the terms for the Plan, by use of an insert, attachment, or other written information provided as part of this Agreement.

• Normal late fees, returned payment fees and all other provisions apply to any promotional Credit Plan, unless inconsistent with a particular Credit Plan offering.

• If the promotional Credit Plan purchase isn't paid in full before the promotional period ends, the balance will be transferred to your Regular Revolving balance.

• Promotional Credit Plans may include:

o Waive Interest, Payment Required

o Waive Interest, Equal Payment

o Waive Interest, Low Payment

o Defer Interest, Equal Payment

o Defer Interest, Payment Required

o Defer Interest, Low Payment

o Low APR, Equal Payment

o Budget Payment

Skip-payment option

• At our discretion, we may allow you to skip making the Minimum Payment.

• Interest Charges will be assessed during the skip-payment period, but a late fee won’t be imposed. This will not be considered a waiver of any of the rights granted by this Agreement.

• All other terms of your Account apply during the skip-payment period.

Visa Credit limit

• Your Credit Limit is the total maximum amount we permit you to owe us at any time.

• You may not exceed any Credit Limit that we set for your Account.

• If you do exceed your Credit Limit, we can still charge you for all transactions, interest and other charges without giving up any of our rights under this Agreement.

• We may change your Credit Limit at any time.

Account cancellation

• You may cancel your Account. You’re still obligated to pay the full amount you owe us.

• We may cancel your Account at any amazon alexa api, for any reason.

• We may refuse to authorize any transaction on your Account. We may also suspend your Account and your right to use your Card, including each Card you give to others.

• We may stop offering any Credit Plan at any time, for any reason.

• Cancellation or suspension of your Account doesn’t negate your obligation to pay any amount you owe us.

• Cancellation of your Account includes each Card you give to others.

• Cards are issued with an expiration date. We have the right not to renew your Account.

Minimum Payment

• You can pay all of your Account balance at any time without penalty.

• You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your Statement.

• The Minimum Payment is the total of the minimum payments for the Regular Revolving and promotional Credit Plans plus any Past Due amounts.

• The Total Minimum Payment won’t be less than $30.00. If your Account balance is less than $30.00, you must pay the amount indicated on your Statement in full.

• The minimum payment for each Credit Plan is calculated as follows:

o The minimum payment for the Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will be the greater of:

(a) $5.00 or

(b) 3.5% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan.

o The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be the amount of the purchase divided by the number of months between the date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00.

o The minimum payment for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated interest charges that will be assessed from the date of purchase through the end of the promotional period divided by the number of months between the date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00.

o The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low Payment Credit Plans will be the greater of:

(a) $5.00 or

(b) 1.0% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan.

o For each Budget Payment Credit Plan or Open Charge Budget Payment Credit Plan, fixed monthly payments of $49, $99, $149, $199, or $299, based on which island in the keys has the best beaches transaction amount.

o For Open Charge credit plans (except Open Charge Budget Payment Credit Plans), if your balance increases during the Open Charge period, your minimum payment will increase. The minimum payment for each Open Charge plan will be calculated based on the above Credit Plans.

Payment application

• We reserve the right to apply payments equal to or less than the Total Minimum Payment however we see fit, which may result in balances subject to lower interest rates being paid prior to other balances. This may also result in higher interest charges.

• Any payment you make in excess of the required Total Minimum Payment will be allocated to your Account as required by applicable law.

• Excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing periods of the promotional period.

D. Interest, fees and charges

Interest charges

• Interest charges begin on a transaction, fee or interest from the day added to the daily balance and continue until the balance is paid in full.

• There is a Grace Period on Regular Revolving Credit Plan purchases. This means we will not charge interest on such purchases if you pay in full each billing period.

• We will not charge interest on any portion of a payment allocated to the Regular Revolving Credit Plan that is paid within an applicable Grace Period.

• There is no period during which you can comenity bank total rewards back a cash advance, any other transaction treated as a cash advance under this Agreement, or a balance transfer to avoid incurring an interest charge.

• If you make a purchase under any Waive Interest Credit Plan, we won't charge interest on the purchase if you pay the total purchase amount before the end of the promotional period. If you don't pay the comenity bank total rewards purchase amount before the end of the promotional period, we'll add the remaining amount to your Regular Revolving balance. We'll also begin charging interest on the purchase from the first day after the promotional period ends.

• If you make a purchase under any Defer Interest Promotional Credit Plan and don't pay the total amount before the end of the promotional period, we'll add the remaining purchase amount and the amount of accrued interest to your Regular Revolving balance.

• If you make a purchase under a Low APR, Equal Payment Credit Plan, interest will be assessed from the date of purchase through the end of the promotional period.

How we calculate Interest Charges on your Account

We calculate interest separately for each Credit Plan, using a "Daily Balance" to determine interest charges for each billing period. Our calculation method is as follows:

• We start with the beginning balance on your Account each day (including unpaid interest charges and fees).

• We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new transactions and debit adjustments posted as of that day. This gives us the "Partial Daily Balance" for the day.

• We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate. This gives us the "Daily Interest Charge" for the day, which we add to the day’s Partial Daily Balance.

• We’ve now determined the "Daily Balance," which will be the beginning balance for the following day. This results in daily compounding of interest charges.

• At the end of each billing period, we add together each Credit Plan’s Daily Interest Charge and make other adjustments, which gives us the total interest charge.

• Your Statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balances for each day in the billing period divided by the comenity bank total rewards number of days.

Rates

• To calculate a variable rate, for each billing period, we use an Index. The Index is the U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month preceding the month in which the billing period begins. (Our business days are Monday through Friday, excluding holidays.)

• Any variable APR will increase on the first day of the billing period after the Index increases.

• An increase or decrease in the APR will result in a corresponding increase or decrease in the amount of interest and may increase the Total Minimum Payment.

Other fees and charges

You agree to pay the following fees and charges:

• Late Fee: If you don’t pay at least the Minimum Payment Due by the Payment Due Date, we will charge you a late fee.

o The fee is $27.00 if you were not charged a late fee during any of the prior six billing periods.

o Otherwise, the mutual of omaha agent portal login is $38.00.

o This fee will not exceed the amount permitted by applicable law.

• Returned Payment Fee: We may charge you a fee for each payment that your bank doesn’t honor for any reason.

o The fee is $27.00 if you were not charged a returned payment fee during any of the prior six billing periods.

o Otherwise, the fee is $38.00.

o This fee will not exceed the amount permitted by applicable law.

• Although we may decide to do so, we aren’t required to attempt to collect a payment more than once.

• Document Fees: If we provide you with a copy of any Statement, sales draft or similar document at your request (except in connection with billing error inquiries or resolution), we may charge the Account the following fee(s), subject to any limitations of applicable law:

o Statement copy - $6.00

o Sales/Credit Draft copy - $6.00

o Check/Money Order copy - $6.00

• Alternative Payment Method Fee: We may offer alternative payment methods that allow you to make individual, expedited payments to your Account over the phone. If you choose to use this payment method, we may assess the current fee we charge for this service, subject to any limitations of applicable law. Currently, that fee is up to $15.00 but may change. We’ll let you know the current fee before you authorize any payment(s), and you can withdraw your request if you don’t want to pay the fee.

• Cash Advance Fee: For any cash advance other than a convenience check or balance transfer, you will pay a transaction fee equal to the greater of $5 or 3% of the amount of the cash advance. You take a cash advance if you use a convenience check; get money through an ATM; get money through a financial institution; or obtain Quasi-Cash.

• Convenience Check Fee: For any convenience check written against your Account, you will pay a transaction fee equal to the greater of $5 or 3% of the amount of the convenience check.

• Balance Transfer Fee: For any balance transfer from another account, you will pay a transaction fee equal to the greater of $10 or 3% of the amount of the balance transfer.

• Foreign Transaction Fee: For any charge or cash advance outside the United States or in a foreign currency, you will pay a transaction fee equal to 3% of the U.S. dollar amount of the transaction. If a charge or cash advance is converted into U.S. dollars our network providers (Visa, Mastercard, and Discover) will select either (1) a rate from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the network provider itself receives, or (2) a government-mandated rate in effect for the applicable central processing date.

• Return Convenience Check Fee: For each convenience check written against your Account which fails to clear and is returned unsatisfied, you will pay a fee of up to $35.

• Stop Payment Fee: For each convenience check written against your Account on which you request us to stop payment, you will pay a fee of up to $35, regardless of whether we actually stop payment on the convenience check.

E. Other important information

Collection costs

You agree to pay our reasonable costs for collecting amounts due, including reasonable attorneys’ fees and court costs incurred by us or another person or entity, to the extent not prohibited by applicable law and except as provided below.

• AL Residents: We will not charge attorneys’ fees if your unpaid balance is $300 or less.

• NH Residents: Reasonable attorneys’ fees may be awarded to you if you prevail in any action by or against us.

• WI Residents: If legal action is taken, we may seek statutory attorneys’ fees and costs, which you will pay if they are granted by the court.

Changes

We may add, change, or delete the terms of your Account. If required by applicable law, we will give you advance written notice of the change(s) and a right to reject the change(s).

Security Interest

You grant us a security interest in all goods you purchase through the use of the Account, now or at any time in the future and in all accessions to and proceeds of such goods. We waive any security interest we may have in your principal dwelling, to the extent that it would otherwise secure any obligation arising hereunder. Changes to your information

You agree to notify us immediately of any changes to your name, mailing address, electronic mail address or telephone number(s).

Governing Law

THIS AGREEMENT IS GOVERNED BY DELAWARE AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY APPLICABLE LAW.

Transfer of Rights/Assignment

Your rights under this Agreement can’t be transferred by you, by operation of law or otherwise, but your obligations will be binding upon your estate or personal representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any time without prior notice to you or your consent.

No Waiver of Rights

We can delay enforcing our rights under this Agreement without losing them.

Severability

If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law.

Notice to New Jersey Residents

All provisions of this agreement are valid, enforceable and applicable in New Jersey.

F. Disputes and Reporting to Consumer Reporting Agencies

Credit Reports

• You give us permission to investigate your credit record.

• You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in connection with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation. Upon request, we will tell you the name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.

• You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your Account to consumer reporting agencies.

• You give us permission to provide information about your Account to consumer reporting agencies and other creditors, as well as to the retailer whose name appears on your Card.

Credit report disputes

If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000.

Your written dispute must provide sufficient information to identify the Account and specify why the information is inaccurate:

• Account Information: Your name and Account comenity bank total rewards Contact Information: Your address and telephone number

• Disputed Information: Identify the Account information disputed and explain why you believe it is inaccurate

• Supporting Documentation: If available, provide a copy of the section of the credit report showing the Account information you are disputing

We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that the Account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported the information.

Your Billing Rights: Keep This Document For Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at: Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

• Description of problem: If you think there is an error on your xxxx, describe what you believe is wrong and why you believe it is a mistake. You must contact us:

• Within 60 days after the error appeared on your statement.

• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required power financial credit union zelle investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the xxxx is correct. While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that amount.

• The charge in question may remain on your statement, comenity bank total rewards we may continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

• We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your xxxx is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your xxxx. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your xxxx is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than

$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:

Comenity Bank

XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

G. Optional products

Credit insurance (as applicable)

Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your Account as a purchase on the last day of each billing period. You can cancel your coverage at any time.

Account Assure Pro Debt Cancellation (as applicable)

• Purchasing Account Assure Pro is optional.

• Enrolling in Account Assure Pro does not affect the terms of your existing credit agreement.

• The Account Assure Pro fee is based on your monthly statement balance, which is your balance on the last day of each billing period.

• You will receive terms and conditions, which you should carefully read for all benefit details and exclusions.

• You may cancel Account Assure Pro at any time.

• If you are currently unemployed, disabled, hospitalized or retired you are not eligible for Account Assure Pro benefits for your present situation; however, you may be eligible for other benefits based on future events.

H. Communicating with us

Communicating to you about your Account

If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, independent contractors, contractors, debt collectors or collection agencies, and to anyone to whom we may sell your Account, to communicate with you in any way, such as calling, texting, or email via:

1. Your cell, landline, text number or any number you provide, use to contact us, or any number which you may utilize, or to any other device or service for which you may be charged for the call, including, but not limited to, Voice Over Internet Protocol (“VOIP”);

2. Any email address you provide to us or any other person or company that provides any services in connection with this Agreement;

3. Automated telephone dialing systems;

4. Pre-recorded or artificial voice messages and any other form of communication.

You also agree that these communications aren’t unsolicited for purposes of any state or federal law and you understand that communications may result in additional mobile, text message, data charges or other charges.

Phone monitoring

• To provide you comenity bank total rewards high-quality service, phone communication with us is monitored and/or recorded.

• You agree that we monitor and/or record any phone calls between you and us.

• Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account.

Communication in Languages Other Than English

You agree to receive all communications and correspondence relating to your Account in English. We may, at our option, communicate with you and/or provide translated documents in a language other than English. Any such communications or documents are provided solely as a courtesy. We may stop communicating with you in non-English languages and/or providing translated documents at any time. While we have attempted to ensure the accuracy of our translations, we are not liable for any inaccuracies in translation or for any misunderstandings due to differences in language usage or dialect. In the event of any inconsistencies between the English version and the translation, the English version will control.

For Wisconsin residents:

If you are married, please contact us immediately upon receipt of this Agreement at 0-000-000-0000 (Rewards Visa) or 0-000-000-0000 (Rewards Visa Signature) (TDD/TTY 1-800-695-1788) and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened a credit account for you.

For bankruptcy notifications:

All bankruptcy notices and related correspondence to Comenity Bank should be sent to the following address: Comenity Bank, Bankruptcy Department, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000.

I. Arbitration and jury trial waiver

For Covered Borrowers under the Military Lending Act (MLA)

Effective October 3, 2017 the MLA prohibits us from requiring you to submit to arbitration as a condition of extending credit. For additional information see Section J below.

A. Jury trial waiver

TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.

B. Notice and cure

Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further defined below, a "Claim"), the party asserting the Claim (the "Claimant") shall give the other party (the "Defendant") written notice of the Claim (a "Claim Notice") and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to the address we have in our records (or any updated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 (or any updated address we subsequently provide). Any Claim Notice you send must provide your name, address and Account number. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. You may only submit a Claim Notice on your own behalf and not on behalf of any other party. No third party, other than a lawyer you have personally retained, may submit a Claim Notice on your behalf. The Claimant must reasonably cooperate in providing any information about the Claim that the other party reasonably requests.

C. Arbitration provision

READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH

C.1. BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.

1. Your Right to Reject: If you don’t want this Arbitration Provision (and any prior arbitration agreement between you and us ("Prior Arbitration Agreement")) to apply, you may reject it by mailing us a written rejection notice which gives the name of each Cardholder and contains a statement that you (both of you, if more than one) reject the Arbitration Provision of this Agreement. The rejection notice must be sent to us at Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000. A rejection notice is only effective if it is signed by you (all of you, if more than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit card agreement or written notice providing you a right to reject this Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit.

2. Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms "we," "us" and "our" mean (a) Comenity Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the "Bank Parties"); and (b) any other person or company that provides any services in connection with this Agreement if you assert a Claim against such other person or company at the same time you assert a Claim against any Bank Party.

3. Covered Claims: "Claim" means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the Account, the issuance of any Card, any rewards program, any prior agreement or account. "Claim" includes disputes arising from actions or omissions prior to the date any Card was issued to you, including the advertising related to, application for or approval of the Account. "Claim" has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). "Claim" does not include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without limitation, the prohibition against class proceedings, private attorney general proceedings and/or multiple party proceedings described in Paragraph C.7 (the "Class Action Waiver"), the last sentence of Paragraph

Источник: https://www.lawinsider.com/contracts/diqvVPaTsch

Ultamate Rewards Credit Card

1Valid one time only. Duplicate offers will not be accepted. Excludes gift cards and prior purchases. If approved online, you must be opted into Ulta Beauty emails to receive the 20% off coupon.

2Click here for important rate, fee, and other cost information.

3Mentioned earning based on Base Member level. Offer is exclusive to Ultamate Rewards® or Ultamate Rewards® Mastercard® credit card holders enrolled in the Ultamate Rewards® program. This rewards program is provided by Ulta Beauty® and its terms may change at any time. For full Rewards Terms and Conditions, please see ulta.com/rewards.

4Mentioned earning based on Base Member level. Offer is exclusive to Ultamate Rewards® Mastercard® Credit card holders enrolled in the Ultamate Rewards® program.

5Valid one time only. Offer is exclusive to Ultamate Rewards® Mastercard® Credit card holders enrolled in the Ultamate Rewards® program.

Credit Card offers are subject to credit approval.

Ultamate Rewards® Credit Card Accounts are issued by Comenity Capital Bank.

Ultamate Rewards® Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Источник: https://www.ulta.com/creditcards/landingpage.jsp

SECOND ROUND SUB, LLC ASSIGNEE OF COMENITY BANK (TOTAL REWARDS VISA CARD) VS GINA ESHAGHIAN

Case Summary

On 01/20/2021 SECOND ROUND SUB, LLC ASSIGNEE OF COMENITY BANK TOTAL REWARDS VISA CARD filed a Contract - Debt Collection lawsuit against GINA ESHAGHIAN. This case was filed in Los Angeles County Superior Courts, Chatsworth Courthouse located in Los Angeles, California. The Judge overseeing this case is RANDY RHODES. The case status is Other.

Case DetailsPartiesDocumentsDockets

  • Contract - Debt Collection

Judge Details

Judge

Plaintiff

SECOND ROUND SUB LLC ASSIGNEE OF COMENITY BANK TOTAL REWARDS VISA CARD

Defendant

Attorney/Law Firm Details

Plaintiff Attorney

  • DocketOn the Complaint filed by Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) on 01/20/2021, entered Request for Dismissal without prejudice filed by Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) as to the entire action

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  • DocketOrder to Show Cause Re: Failure to File Proof of Service and Failure to File Default Judgment Pursuant to CRC 3.740 scheduled for 01/26/2022 at 08:30 AM in Chatsworth Courthouse at Department F43 Not Held - Vacated by Court on 03/24/2021

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  • DocketProof of Service - No Service; Filed by: Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) (Plaintiff); As to: GINA ESHAGHIAN (Defendant)

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  • DocketOrder to Show Cause Re: Failure to File Proof of Service and Failure to File Default Judgment Pursuant to CRC 3.740 scheduled for 01/26/2022 at 08:30 AM in Chatsworth Courthouse at Department F43

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  • DocketCase assigned to Hon. Randy Rhodes in Department F43 Chatsworth Courthouse

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  • DocketComplaint; Filed by: Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) (Plaintiff); As to: GINA ESHAGHIAN (Defendant)

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  • DocketCivil Case Cover Sheet; Filed by: Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) (Plaintiff); As to: GINA ESHAGHIAN (Defendant)

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  • DocketSummons on Complaint; Issued and Filed by: Second Round Sub, LLC assignee of Comenity Bank (TOTAL REWARDS VISA CARD) (Plaintiff); As to: GINA ESHAGHIAN (Defendant)

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  • DocketOrder to Show Cause Hearing/Trial Date (Cal. Rules of Court, rule 3.740); Filed by: Clerk

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  • DocketNotice of Case Assignment - Limited Civil Case; Filed by: Clerk

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  • DocketThe case is placed in special status of: Collections Case (CCP 3.740)

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Источник: https://unicourt.com/case/ca-la15-second-round-sub-llc-assignee-of-comenity-bank-total-rewards-visa-card-vs-gina-eshaghian-5562

Toyota Rewards Visa Credit Card Review

Toyota drivers will get the most value from the Toyota Rewards Visa card since you can earn five points per $1 spent when you use your card at your local Toyota dealership. Consumers planning to purchase a new Toyota also would benefit since Toyota doesn’t limit the number of points you can earn. Depending comenity bank total rewards your credit limit, you could charge your entire down payment and still earn five points per $1 spent.

You also should get a substantial amount of value from the card if you’ve owned or leased your car long enough to make somewhat regular trips to the Toyota dealership for maintenance and repairs.

Pros
  • Great earnings rate on Toyota purchases

  • No cap on earning rewards

  • Good earnings rate on entertainment purchases

  • Good earnings rate on gas and dining purchases

Cons
  • Small new cardholder bonus

  • No introductory interest rate

Pros Explained

  • Great earnings rate on Toyota purchases: The Toyota Rewards Visa card offers one of the strongest rewards rates you can get on automobile expenses. The older your car and the more maintenance it needs, the more you potentially could earn. For example, first convenience bank login page Toyota Camry owners are expected to spend an average of more than $3,500 on maintenance in their car’s third, fourth, and fifth years combined and more than $1,100 on repairs during that same time period. That’s more than $230 worth of rewards points during that time period.
  • No cap on earning rewards:Unlike some no annual fee cards that offer 5% back on select purchases, the Toyota Visa card doesn’t limit how much you can earn. For example, if you use your card to put down a 10% deposit on a $24,000 car, you could earn $120 worth of rewards. 
  • Good earnings rate on entertainment purchases: The card’s 2:1 points per dollar ratio is on par with other auto cards and popular cash-back cards. If you regularly spend $90 per month on cable TV and $200 per month on entertainment, you’ll rack up nearly $70 worth of points annually.
  • Good earnings rate on gas and dining purchases: This also is a good card to use for filling up your tank or dining out. In addition to restaurant spending, you’ll earn 2 points per $1 spent at bakeries, bars, and coffee shops.

Cons Explained

  • Small new cardholder bonus: The Toyota card’s which island in the keys has the best beaches cardmember bonus may be disappointing to cardholders who are accustomed to receiving $150 or more shortly after opening a new card. You have to hit the $500 requirement via non-Toyota purchases, though the $500 requirement to get the welcome bonus won’t take long for the average household to achieve.
  • No introductory interest rate: Perhaps the biggest downside to the Toyota Rewards Visa card is that it doesn’t offer a promotional interest rate. This is unfortunate since some cardholders may look to automobile cards with 0% introductory interest rates to help finance costly which island in the keys has the best beaches repairs.

Toyota Rewards Visa Card’s Bonus for New Cardholders

You’ll need to charge at least $500 in the card’s first three months, and you can’t use a trip to your Toyota dealership to help get you there. Only non-Toyota purchases are counted for the card’s bonus threshold. You won’t earn much once you spend $500, either. The 5,000-point welcome bonus is worth only $50, while popular cash-back cards tend to have at least a $150 welcome offer.

Earning Points and Rewards

The Toyota Rewards Visa card’s rewards rate makes it a good card to use for various expenses. The card’s two points per $1 spent on gas, dining, and entertainment is about average for auto-branded cards, and the card’s 5-point earnings rate on Toyota purchases is average, as other leading auto cards have the same rate on in-dealership purchases.

That the Toyota card doesn’t limit the number of points you can earn also is striking—and it doesn’t charge an annual fee. This is similar to other auto cards but rare among cash-back cards that typically cap your rewards in 5% categories.

You don’t have to worry about losing your points as long as you keep your account open and current: Toyota points don’t expire.

Redeeming Rewards

The value of your Toyota points is simple and easy to keep track of: Every point is worth one 1 cent each, no matter how you decide to redeem them.

You can redeem your points when paying for maintenance and repairs or to make a down payment on a new Toyota lease or purchase. Or you can use your rewards points to purchase travel or gift cards or receive statement credits.

How to Get the Most out of This Card

Add another member of your household as an authorized user so you can pool your car expenses and other rewards purchases.

Since the Toyota card doesn’t cap rewards points, it’s a great card to help you maximize a two-car household’s spending and get more value out of routine maintenance and repairs, especially if both vehicles are Toyotas. You can add only one other authorized user, though, so if there are more than two people in your family with Toyotas, other household members will have to apply for separate cards.

Customer Experience

Comenity Bank issues the Toyota Rewards Visa. Customer service representatives are available to address your questions.

Security Features

Like many cards these days, the Toyota Rewards card lets you instantly lock your credit card when you misplace it and unlock it when you spot it. You also can set up notifications to alert you whenever someone tries to use your card. It doesn’t offer any other notable security features, though.

Toyota Rewards Visa Card’s Fees to Watch out For

The Toyota card’s fees are standard for a rewards card, although Comenity Bank may charge a fee for making payments by phone with a representative. You can, however, make payments for free through its automated system.

Источник: https://www.thebalance.com/toyota-rewards-visa-card-review-4775477

Orbitz Credit Card Shutting Down, Existing Users Moving to New Card

The Orbitz Rewards® Visa® Card will soon splash down for good.

The Comenity-issued card, which had been closed to new applications since April 2021, is being discontinued entirely. As of Oct. 4, 2021, existing cardholders will no longer be able to use it to make purchases. The issuer says that between now and then, current customers will be transitioned to the Comenity Mastercard.

Unlike the Orbitz Rewards® Visa® Card — which earned Orbitz-centric travel rewards known as "Orbucks" and featured multiple bonus reward categories — the Comenity Mastercard will earn a flat 1.5% cash back on all purchases in the form of a statement credit. As with the Orbitz card, there'll be no annual fee.

» MORE: NerdWallet's best hotel credit cards

Comenity says any balance on an Orbitz Rewards® Visa® Card will be transferred green dot balance card the new Comenity Mastercard, and any remaining Orbucks that had been earned with the Orbitz card will be moved into a customer's Orbitz Rewards Program account.

Membership in the separate Orbitz Rewards Program was required in order to apply for the Orbitz Rewards® Visa® Card, and Orbucks earned with the card came on top of Orbucks earned as an Orbitz Rewards Program member. The card also earned different rates depending on whether you booked through Orbitz's website or its mobile app — making it potentially lucrative, but also one of the most confusing credit cards on the market.

The Orbitz Rewards® Visa® Card offered:

  • 9% back (in Orbucks) on eligible prepaid hotel stays and activities booked on the Orbitz mobile app.

  • 8% back on eligible prepaid hotel stays and activities booked on Orbitz.com.

  • 7% back on eligible flights and travel godaddy outlook 360 login booked on the Orbitz app.

  • 6% back on eligible flights and travel packages booked on Orbitz.com.

  • 5% back on all other qualifying Orbitz purchases.

  • 2% back on all other purchases.

Nerdy tip: Orbucks are redeemable only for booking hotel stays on Orbitz. One Orbuck equals $1 when redeeming this way.

That was a lot to keep track of. So while Orbitz cardholders are losing the potential to earn those bonus travel rewards, they're gaining a much simpler card that pays out rewards in the most flexible currency of all: cash back.

» MORE:Best credit cards to use on discount travel websites

Источник: https://www.nerdwallet.com/article/credit-cards/orbitz-credit-card-shutting-down-existing-users-moving-to-new-card

5 Replies to “Comenity bank total rewards”

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