Where to send your Comenity Bealls payment
Comenity Bank issues the Bealls credit card, and payments go to Comenity, not to Bealls the store. You can pay online through your Comenity account, by phone, by mail, or in person at a Bealls store. The fastest and most direct route is online at the Comenity website or through the Comenity mobile app, where the payment posts the same day if you send it before the cutoff time — usually around 8 p.m. Eastern.
If you prefer not to use the website, you can call Comenity's customer service line at the number on the back of your card. A representative can take your payment over the phone using a bank account or debit card. Mail payments take 7 to 10 business days to reach Comenity's processing center, so send them well before your due date to avoid a late payment.
Key Takeaways
- Online payment through Comenity's website or app is the fastest method and posts the same day if sent before the evening cutoff.
- Phone payments can be made by calling the number on your card, and a representative will guide you through the process using your bank account or debit card.
- Mail payments should be sent at least 10 business days before your due date, as they take a week or more to process.
- In-store payments at Bealls locations are possible but less common; ask a cashier whether your location accepts them.
- Your due date and minimum payment appear on your monthly statement and in your online account.
Setting up online payments through Comenity
To pay online, go to the Comenity website and log into your account using your card number and PIN or password. If you have not set up an online account yet, you will need to register first — this takes a few minutes and requires your card number, Social Security number, and date of birth. Once logged in, look for the "Make a Payment" or "Pay Now" button, usually on the account dashboard.
You can pay from a checking or savings account linked to your Comenity account, or use a debit card. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Comenity will show you the payment date and confirm the amount before you submit. Payments made before 8 p.m. Eastern typically post the same business day; payments after that time post the next business day.
Phone and mail payment options
To pay by phone, call the customer service number printed on the back of your Bealls card. Have your card number and a bank account or debit card ready. The representative will ask how much you want to pay and confirm the payment date. Phone payments usually post within one business day.
For mail payments, send a check or money order to the address listed on your statement under "Payment Address" or "Make Payments To." Write your card number on the check. Mail the payment at least 10 business days before your due date to account for postal delivery and processing time. Comenity's processing center may be in a different state than where you live, so allow extra time during holidays or peak mailing periods.
In-store payments at Bealls locations
Some Bealls stores accept credit card payments at the register, but this is not available at every location. Call your local Bealls or ask a cashier whether they can process a Comenity Bealls card payment in store. If they can, bring your card and let them know the amount you want to pay. The payment may take a few business days to post to your account.
In-store payments are convenient if you are already shopping, but they are slower than online or phone payments. If you are close to your due date, use online or phone payment instead to may support the payment reaches Comenity in time.
What happens if you miss your due date
If your payment does not arrive by the due date shown on your statement, Comenity will report the account as late to credit bureaus. A late payment can lower your credit score and may trigger a late fee, which Comenity will add to your balance. The amount of the fee depends on how late the payment is and your account history.
If you realize a payment will be late, contact Comenity as soon as possible. Some cardholders have had late fees waived if they call before the payment posts and explain the delay. Comenity may also offer a one-time courtesy waiver if your account is otherwise in good standing. After a payment is 30 days late, the damage to your credit report is harder to reverse, so paying as soon as you can is important.
Setting up automatic payments
Comenity allows you to set up automatic payments from your bank account through your online account. Log in, look for "Automatic Payments" or "Recurring Payments," and choose whether you want to pay a fixed amount each month, the minimum payment, or the full balance. You can set the payment date to match your payday or any other date that works for you.
Automatic payments reduce the risk of missing a due date, but you should still check your account monthly to make sure the payment went through and that your balance is what you expect. If your balance changes unexpectedly or a payment fails, contact Comenity right away. You can change or cancel automatic payments anytime through your online account.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Online and phone payments usually post within one business day. Mail payments take 7 to 10 business days from the time Comenity receives them. In-store payments may take a few business days. Always allow extra time for mail payments, especially near holidays.
Can I pay my Bealls card at a Bealls store?
Some Bealls locations accept payments at the register, but not all. Call your local store or ask a cashier. In-store payments are slower than online or phone payments, so if you are near your due date, pay online or by phone instead.
What if I pay more than I owe?
Comenity will hold the overpayment as a credit on your account. You can use it toward future purchases or request a refund by calling customer service. Refunds typically take 5 to 7 business days to reach your bank account.
Do I need to create an online account to pay my bill?
No. You can pay by phone or mail without an online account. However, creating an account takes only a few minutes and gives you access to your balance, due date, and payment history anytime.
What should I do if my payment was late?
Contact Comenity as soon as possible. If the account is not yet 30 days late, you may be able to have a late fee waived as a one-time courtesy. After 30 days, the late payment will appear on your credit report for seven years, though its impact lessens over time.