5 Things to Know About the Lane Bryant Credit Card

5 Things to Know About the Lane Bryant Credit Card

If you’re a Lane Bryant loyalist, you might want to consider signing up for the Lane Bryant credit card. It’s an easy way to earn rewards on your purchases and create savings opportunities for yourself down the line. Here are five things you should be aware of when considering applying for the Lane Bryant credit card:

1. The Perks

The Lane Bryant credit card offers a host of benefits, including a 20% discount on your first purchase with the card and a $20 rewards certificate for every 400 points you earn. Plus, cardholders receive exclusive offers and early access to sales throughout the year. You’ll even get a surprise birthday gift just for being a member!

2. High APR

While the rewards program is enticing, it’s important to note that the Lane Bryant credit card comes with a fairly high APR compared to other store credit cards. Depending on your creditworthiness, the card’s APR can range from 26% to 28.99%, so you’ll want to make sure you pay off your balance in full each month to avoid accruing large amounts of interest.

3. No Annual Fee

On the bright side, the Lane Bryant credit card does not have an annual fee, making it a great option for those looking to save without having to pay a yearly charge. Just be sure to read the fine print, as there may be other fees associated with late payments or returned payments.

4. Limited Use

While the Lane Bryant credit card can be used at any Lane Bryant, Catherines, or Cacique store or online, it cannot be used at other clothing retailers or department stores. So, if you’re looking for a card that can be used more widely, you may want to consider other options.

5. Credit Score Impact

Finally, it’s important to remember that applying for a credit card can have a temporary impact on your credit score, as it results in a hard inquiry on your credit report. However, if you use the card responsibly and make timely payments, it can actually help to improve your credit score over time.

FAQs

How do I earn points with my Lane Bryant credit card?

You earn two points for every dollar you spend at Lane Bryant, Catherines, or Cacique stores or online, but only one point per dollar spent anywhere else. Once you reach 400 points, a $20 rewards certificate will be automatically sent to you.

Can I use my Lane Bryant credit card outside of Lane Bryant stores?

No, the Lane Bryant credit card is only valid at Lane Bryant, Catherines, and Cacique stores or online.

What happens if I miss a payment on my Lane Bryant credit card?

If you miss a payment on your Lane Bryant credit card, you may be charged a late fee and your credit score may be impacted. Additionally, interest will continue to accrue on any outstanding balance.

Can I change my payment due date?

Yes, you can request to change your payment due date by contacting the customer service number on the back of your card.

Can I have multiple Lane Bryant credit cards?

No, cardholders are limited to one Lane Bryant credit card per person.

What should I do if my Lane Bryant credit card is lost or stolen?

If your Lane Bryant credit card is lost or stolen, you should contact customer service immediately to report the incident and have a new card issued.

How do I view my account balance?

You can view your account balance by logging into your Lane Bryant credit card account online or by contacting customer service.

What should I do if I notice a fraudulent charge on my Lane Bryant credit card?

If you notice a charge on your Lane Bryant credit card that you did not authorize, you should contact customer service immediately to report the fraud and have the charge removed from your account.

Can I use my rewards certificate online?

Yes, you can use your rewards certificate online by entering the code at checkout.

Do my rewards ever expire?

Yes, rewards certificates will expire 90 days after issuance.

Can I return items purchased with my Lane Bryant credit card?

Yes, items purchased with your Lane Bryant credit card can be returned, but the refund will be credited back to your card rather than in cash.

What happens to my rewards points if I close my Lane Bryant credit card account?

If you close your Lane Bryant credit card account, any remaining rewards points will be forfeited.