What the Maurices credit card is and how to use it

The Maurices credit card is a store card issued by Comenity Bank that you can use to buy clothing and accessories at Maurices stores or online at maurices.com. Unlike a general-purpose credit card, it works only at Maurices — you cannot use it at other retailers. When you use the card, you build a balance that you pay back monthly, and interest charges explore if you carry that balance past your due date.

The card comes with a Comenity Net account, which is where you log in to view your balance, make payments, and check your statement. You set up this account when you open the card, and you can access it from any computer or phone with internet access. Payments go directly to Comenity Bank, not to Maurices itself.

Key Takeaways

  • The Maurices card works only at Maurices stores and maurices.com, not at other retailers or online stores.
  • You manage your account through Comenity Net, where you can pay your bill, view your balance, and read statements.
  • Interest rates and credit limits vary based on your credit history, and the card reports to the three major credit bureaus.
  • Store cards often have higher interest rates than general credit cards, so carrying a balance costs more than it would on a traditional card.
  • Promotional financing offers (like "12 months same-as-cash") are common but require on-time payments to avoid retroactive interest charges.

Interest rates, fees, and what they cost you

Store cards typically charge higher interest rates than standard credit cards. The Maurices card's annual percentage rate (APR) depends on your credit score and credit history — the better your credit, the lower your rate. Comenity does not publish a single rate; instead, you receive your specific rate when you open the account or you can check it in your Comenity Net account under "Account Details" or "Terms and Conditions."

The card charges interest only on balances you carry past your due date. If you pay your full statement balance by the due date each month, no interest accrues. Late fees explore if you miss your due date, and the amount varies but typically ranges from $25 to $40 for the first late payment. A second late payment in six months usually costs more.

Annual fees are uncommon on Maurices cards, but some versions of the card may have them depending on when you opened it. Check your Comenity Net account or your most recent statement to confirm whether an annual fee applies to your specific card.

How promotional financing offers work

Maurices frequently advertises promotional financing — often "12 months same-as-cash" or "18 months same-as-cash" — which means you can make purchases and pay them back interest-free during that period. These offers are real, but they come with a critical condition: you must pay the full promotional balance by the end of the promotional period. If you do not, Comenity charges you interest retroactively on the entire original purchase amount, going back to the purchase date.

For example, if you buy $500 worth of clothing on a 12-month same-as-cash offer and pay $400 by month 12 but leave $100 unpaid, Comenity will charge you interest on the full $500 from the original purchase date, not just the $100 remaining. This retroactive interest can be substantial. To avoid this, set a phone reminder for one week before the promotional period ends so you can pay any remaining balance in time.

Promotional offers appear in your Comenity Net account with a countdown showing how many days remain. You can also call the customer service number on the back of your card to confirm the exact end date of any promotion.

Building credit with a store card

The Maurices card reports your payment history to Equifax, Experian, and TransUnion — the three major credit bureaus. This means on-time payments help your credit score, and late payments hurt it. If you are trying to build credit from scratch or rebuild it after past problems, a store card can be a stepping stone because store cards are sometimes easier to open than general credit cards.

However, store cards have limits. Your credit limit is usually lower than what you might get with a traditional card, and using the card only at one retailer means you cannot diversify your credit mix the way you can with multiple types of credit accounts. For credit-building purposes, the Maurices card works best as one part of a broader strategy — for instance, alongside a secured credit card or a credit-builder loan — rather than as your only credit account.

Keep your balance low relative to your credit limit. Credit bureaus look at your utilization ratio — the percentage of your available credit you are using. Using more than 30 percent of your limit can lower your score, even if you pay on time. If your limit is $500, try to keep your balance below $150.

Logging into Comenity Net and managing your account

You access your Maurices card account through Comenity Net at comenity.com. Click "Log In" and enter your username and password. If you have not yet created an account, click "Enroll Now" and follow the prompts — you will need your card number, Social Security number, and date of birth.

Once logged in, you can view your current balance, available credit, recent transactions, and due date. The "Make a Payment" section lets you pay by bank transfer or debit card. Comenity processes payments submitted before 8 p.m. Eastern Time on a business day as same-day payments; payments submitted after that time or on weekends post the next business day. If your due date is coming up, submit payment at least one business day early to may support it posts on time.

You can also set up automatic payments so Comenity withdraws a fixed amount from your bank account each month. This reduces the risk of missing a due date. Under "Account Settings" or "Autopay," you can choose a payment date and amount — either the full statement balance, a fixed dollar amount, or the minimum payment.

What happens if you miss a payment or fall behind

If you miss your due date, Comenity reports the late payment to the credit bureaus after 30 days. A single 30-day late payment can lower your credit score by 100 points or more, depending on your current score and credit history. The damage lasts for seven years on your credit report, though its impact fades over time as you make on-time payments.

If you are 60 days late, the late fee increases and Comenity may raise your interest rate. At 90 days late, your account may be referred to a collection agency, and Comenity can pursue legal action to recover the debt. If you fall behind, contact Comenity as soon as possible — the customer service number is on your statement and on comenity.com. Some accounts may have access to for hardship programs that temporarily lower your payment or interest rate if you are facing a temporary financial setback.

Do not ignore collection calls or letters. Responding and working out a payment plan is far better than letting the debt grow or facing a lawsuit, which can result in wage garnishment or a judgment against you.

Comparing the Maurices card to other credit options

A store card makes sense if you shop at Maurices regularly and want to take advantage of promotional financing or exclusive cardholder discounts. However, if you shop there only occasionally, a general-purpose credit card or debit card is simpler and often cheaper. General credit cards usually have lower interest rates, work everywhere, and give you more flexibility.

If you are building credit, a secured credit card (where you deposit money upfront as collateral) often has lower interest rates and better terms than a store card, even though both are easier to open than unsecured cards. A credit-builder loan from a credit union is another option that builds credit without the temptation to overspend.

The main advantage of the Maurices card is access to promotional financing — if you need to buy a large amount of clothing and can pay it back within the promotional window, the interest-free period saves you money compared to paying cash or using a higher-rate card. Outside of those promotions, the card's higher interest rate and single-retailer limitation make it less useful than a general card for most people.

Frequently Asked Questions

Can I use my Maurices card online or only in stores?

You can use it both in Maurices physical stores and on maurices.com. You cannot use it at other websites or retailers. If you shop online, log into your Maurices account, add items to your cart, and select the Maurices credit card as your payment method at checkout.

What do I do if I forget my Comenity Net password?

Go to comenity.com and click "Log In," then click "Forgot Password." Enter your username or the email address associated with your account. Comenity sends a password reset link to that email. If you do not receive it within a few minutes, check your spam folder or call the customer service number on your card.

Does paying off my Maurices card balance early hurt my credit?

No. Paying early or in full has no negative effect on your credit score. It actually helps by showing lenders you can manage debt responsibly. The only downside is that you miss out on the interest-free period of a promotional offer if you pay before the promotion ends, but that is a benefit to you, not a drawback.

What happens to my promotional financing if I make a late payment?

A late payment does not automatically cancel a promotional offer, but it may trigger a penalty APR on that promotional balance. Check your Comenity Net account or call customer service to confirm the terms of your specific promotion. To be safe, always pay at least the minimum by the due date, even if you plan to pay the full promotional balance later.

Can I transfer my Maurices card balance to another credit card?

Technically yes, but most credit card companies do not accept balance transfers from store cards, and those that do often charge a balance transfer fee (typically 3 to 5 percent). It is usually simpler to pay off the Maurices balance directly through Comenity Net rather than attempting a transfer.