Where to send your Bealls Comenity payment
Bealls credit cards are issued by Comenity, a bank that handles credit for many retail stores. When you pay your Bealls card, you are sending money to Comenity, not to Bealls itself. The payment address and methods available depend on which Bealls brand you use — Bealls Florida, Bealls Texas, or Bealls Outlet.
You can pay online through your Comenity account, by phone, by mail, or in person at a Bealls store. Online payment is the fastest and most direct route. To set up online payments, you need to register for an account on the Comenity website using your card number and other identifying information from your statement.
If you do not have online access yet, call the customer service number on the back of your card. A representative can take a one-time payment over the phone or help you register for online access so you can pay whenever you want without calling again.
Key Takeaways
- Bealls credit cards are issued by Comenity, so you pay Comenity directly, not Bealls.
- Online payment through your Comenity account is the fastest method and lets you see your balance and due date in real time.
- You can also pay by phone using the number on your statement, by mail to the address listed on your bill, or in person at a Bealls store.
- Payments made online or by phone typically post within one business day, while mail payments take five to seven business days.
- Setting up automatic payments through your Comenity account prevents late fees by ensuring your minimum payment is sent on time each month.
Paying online through Comenity
The Comenity website is where you log in to view your balance, due date, and transaction history. To pay online, go to comenity.com, select your card brand (Bealls), and sign in with your username and password. If you have not created an account, you will need your card number, Social Security number, and date of birth to register.
Once logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard. You can choose to pay your full balance, your minimum payment, or any amount in between. You will enter a bank account number and routing number for the money to come from, or use a debit card. Comenity does not charge a fee for online payments made from a bank account.
Payments submitted before 8 p.m. Eastern Time on a business day usually post the next day. If you submit a payment after 8 p.m. or on a weekend, it will post the following business day. Always check your due date on your statement — paying after the due date can result in a late fee even if the payment posts quickly.
Paying by phone or mail
To pay by phone, call the number on the back of your Bealls card. A Comenity representative will ask for your card number, the amount you want to pay, and the bank account or debit card you want to pay from. Phone payments are processed the same day and post within one business day, just like online payments.
If you prefer to mail a check, the payment address is printed on your monthly statement. Write your card number on the check and mail it to the address shown. Mail payments typically take five to seven business days to arrive and post, so send your payment at least a week before your due date to avoid a late fee.
Do not send cash through the mail. If you need to pay in person, you can visit a Bealls store and ask a cashier whether they accept card payments at the register. Not all locations offer this service, so call ahead to confirm.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Through your Comenity account, you can set up recurring payments to be deducted from your bank account on a date you choose each month. You can choose to pay your full balance, your minimum payment, or a fixed dollar amount.
To set up automatic payments, log into your Comenity account, find the "Automatic Payments" or "Recurring Payments" section, and enter your bank account information. You will choose the day of the month you want the payment to go out — many people choose a few days after payday to may support the money is in their account. You can change or cancel automatic payments at any time through your account.
Automatic payments are especially useful if you carry a balance and want to make sure your minimum payment is never late. A late payment can trigger a higher interest rate on your card and damage your credit score, so automating even your minimum payment is a safety net.
What to do if you cannot pay on time
If you know you will miss your due date, contact Comenity before the date arrives. Call the number on your statement and explain your situation. Comenity cannot erase a late fee, but a representative may be able to note your account and discuss options like a payment plan or a temporary lower payment.
A single late payment will show on your credit report and can lower your credit score. If you are more than 30 days late, Comenity may increase your interest rate. If you are 60 or more days late, the account may be sent to a collection agency. The sooner you contact Comenity and get current, the better the outcome for your credit.
If you are struggling with multiple debts, a credit counselor can help you understand your options. The National Foundation for Credit Counseling (NFCC) offers free or low-cost counseling and can be reached at nfcc.org or by calling 1-800-388-2227.
Understanding your statement and due date
Your Bealls Comenity statement shows your opening balance, all charges and payments made during the billing cycle, your closing balance, your minimum payment due, and your due date. The due date is the last day Comenity will accept a payment without charging a late fee. Payments posted after that date are considered late.
Your statement also shows your interest rate (called the Annual Percentage Rate or APR) and how much interest you paid that month. If you carry a balance from month to month, interest accrues daily on the unpaid amount. Paying more than the minimum reduces the balance faster and saves you money on interest.
You can view your statement online through your Comenity account or request paper statements by mail. Online statements are available as soon as your billing cycle closes, while paper statements take a few days to arrive.
Frequently Asked Questions
Can I pay my Bealls card at a Bealls store?
Some Bealls locations accept card payments at the register, but not all do. Call your local store or check the Bealls website to see if your location offers this service. Even if your store does accept payments, paying online or by phone is faster and gives you an when ready confirmation.
What happens if I pay late?
A payment more than 30 days late will appear on your credit report and may lower your credit score. Comenity will charge a late fee (the amount varies) and may increase your interest rate. If you are 60 or more days late, your account may be sent to a collection agency.
Can I set up automatic payments for more than my minimum?
Yes. When you set up automatic payments, you can choose to pay your full balance, your minimum payment, or any fixed dollar amount you want. Paying more than the minimum each month reduces your balance faster and saves money on interest.
Is there a fee to pay online?
No. Comenity does not charge a fee when you pay online from a bank account. If you pay with a debit card, Comenity may charge a small fee — check your account before paying to see if a fee applies.
How long does it take for a payment to post?
Online and phone payments typically post within one business day. Mail payments take five to seven business days. Always send mail payments at least a week before your due date to avoid being late.