Where to send your Boscov's card payment
Boscov's credit card payments go to a lockbox address that changes depending on whether you pay by mail or online. The card issuer is Comenity Bank, which handles billing and payment processing for the Boscov's card. You can find the correct mailing address on your monthly statement under "Payment Address" — use that address, not the Boscov's store address.
Online payments are faster and do not require you to know the mailing address. You can pay through the Boscov's website, through your bank's bill pay system, or through the Comenity Bank customer portal. Each route reaches the same account but has different processing times.
Key Takeaways
- Online payments through Boscov's or Comenity Bank typically post within one to two business days, while mailed checks take seven to ten business days.
- The payment mailing address is printed on your statement and should not be replaced with a Boscov's store location.
- You can set up automatic monthly payments through Comenity Bank to avoid missing a due date.
- Late fees and interest charges begin if your payment arrives after the due date shown on your statement.
Paying online through Boscov's or Comenity
The fastest way to pay is through the Boscov's website or the Comenity Bank portal. Log in with your card number and the password you set up when you opened the account. If you have not created a login, you can register on either site using your card number and Social Security number.
Payments made before 11:59 p.m. Eastern Time on a business day usually post the next business day. Payments made on weekends or after 11:59 p.m. post the following business day. You will see a confirmation number when ready after you submit the payment — save this for your records.
The Comenity Bank portal also shows your current balance, recent transactions, and your due date. You can make a one-time payment or set up automatic payments from a checking or savings account.
Paying by mail
Write a check or money order payable to Boscov's and include your account number on the check. Mail it to the address printed under "Payment Address" on your statement. Do not send payment to a Boscov's store location — the payment will be delayed or lost.
Mailed payments take seven to ten business days to post, depending on mail delivery and processing time at the lockbox. If your due date is fewer than ten days away, paying by mail risks a late payment. Pay online or call Comenity Bank at the number on your statement if you are close to the due date.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Comenity Bank account and select "Autopay" or "Automatic Payments." You can choose to pay the full statement balance, a fixed amount, or the minimum payment each month on a date you select.
Automatic payments are deducted from your checking or savings account on the date you choose. If that date falls on a weekend or holiday, the payment is deducted on the next business day. You can change or cancel automatic payments at any time through your account.
What happens if your payment is late
A payment is late if it arrives after the due date printed on your statement. Late payments trigger a late fee (the amount varies but is typically $25 to $40) and may increase your interest rate. The late fee appears on your next statement.
If you miss a payment by 30 days or more, the account may be reported to credit bureaus, which can lower your credit score. Contact Comenity Bank when ready if you know you will miss a due date — some situations allow the bank to waive a single late fee or work out a payment plan.
Paying over the phone
You can pay by phone by calling the customer service number on the back of your card or on your statement. Have your card number and checking or savings account information ready. Phone payments are processed the same day if you call before the cutoff time (usually 8 p.m. Eastern Time on business days).
Phone payments incur no additional fee, but you will not receive a written confirmation — write down the confirmation number the representative gives you. Do not provide your full account number or Social Security number unless you initiated the call yourself.
Understanding your statement and due date
Your statement shows the amount due, the due date, and the minimum payment. The amount due is the total of all charges from the previous billing cycle. The due date is the last day the payment can arrive without triggering a late fee.
Paying only the minimum payment means the rest of your balance carries over to the next month and accrues interest. The interest rate for the Boscov's card varies based on your creditworthiness and current market rates — check your statement or account for your current rate.
Frequently Asked Questions
How long does an online payment take to show up?
Online payments typically post within one to two business days. Payments submitted after 11:59 p.m. Eastern Time or on weekends post the next business day. You receive a confirmation number when ready, even though the payment has not yet posted to your account.
Can I pay my Boscov's card at a store?
No, you cannot pay at a Boscov's store location. Payments must be sent by mail to the lockbox address, paid online, or paid by phone. Attempting to pay at a store will not reach your account.
What if I pay more than I owe?
A credit balance appears on your next statement. You can use it toward future purchases, or contact Comenity Bank to request a refund check. Refunds typically take five to seven business days to arrive.
Is there a fee for paying online?
No, there is no fee for online payments through Boscov's or Comenity Bank. Phone payments and mailed payments are also free. The only charge is a late fee if your payment arrives after the due date.
What if I cannot pay the full balance?
You can pay any amount at least equal to the minimum payment shown on your statement. The remaining balance carries over and accrues interest at your card's current rate. Contact Comenity Bank if you are having trouble making even the minimum payment.