The Loft credit card, issued by Comenity Bank, is the store credit card for Ann Taylor and Loft retail stores. This card offers Loft shoppers special financing options and rewards on their purchases.
While it does not have the most robust rewards program compared to general-purpose credit cards, it can still be a useful card for devoted Loft customers.
Benefits of the Loft Credit Card
Some of the main benefits of the Loft credit card include:
Special Financing Deals
One of the main perks of the Loft card is getting access to special promotional financing on purchases.
This usually comes in the form of deferred interest deals, where no interest accrues as long as you pay the purchase balance in full before the promotional period ends. This allows cardholders to make larger Loft purchases while spacing out payments over time.
Extra Rewards on Loft Purchases
Cardholders earn reward points called “Loft Cash” on purchases made at Loft stores and online.
Although the earning rate is just 1 point per dollar spent, these rewards can add up over time to significant savings on future Loft merchandise.
Exclusive Discounts and Offers
As a credit card holder, you can get access to special sales, discounts, and offers that are not available to non-cardholders.
This provides another way to save money on Loft clothing and accessories.
How to Apply for the Loft Credit Card
Applying for the Loft credit card is easy and can be done instantly in-store or online:
You can apply for a Loft credit card when checking out from any Ann Taylor or Loft retail location. The sales associate will provide an application, which takes just a few minutes to fill out. You’ll get a decision right away.
An online application can also be completed 24/7 from the comfort of your home. Just go to the Loft website and click on “Get Card” to start the application. Make sure to have your personal and income details handy.
How to Login In to Manage Your Loft Credit Card Online Account
Managing your Loft credit card is simple and convenient through the online account portal. Just follow these steps to log in:
- Go to the Loft website and click “My Account” in the top menu. Or navigate directly to https://www.loft.com/myaccount/login.
- Enter your 7-16 digit Loft credit card number and click “Next”.
- On the next page, provide your name, zip code, and security code from the front of your card and click “Log In”.
Once logged into your account dashboard, cardholders have many self-service capabilities:
- Check your current balance and available credit
- View recent charges and pending activity
- Set up one-time or recurring payments
- Enroll in autopay
- Access current statements and documents
- Sign up for paperless statements
- Manage promotion enrollment
- Redeem Loft Cash rewards
- Update your contact information
The account portal enables cardholders to take control over payment options, view spending, track rewards, and modify their account without having to speak to a customer service rep.
Loft aims to provide transparent access to account details so cardholders can manage everything conveniently in one place online.
How to Make Payments on Your Loft Credit Card
Keeping up with Loft credit card payments is important for avoiding interest charges. Here are the main ways a cardholders can make payments:
Set Up Auto-Pay
One of the easiest ways to remember payments is setting up auto-pay through your bank. This automatically makes at least the minimum payment on your due date each month. Just log into your Loft account and follow the steps to enable this feature.
If you prefer to manually make payments, cardholders can log into their account on the Loft website and follow the instructions to pay online. This allows payments any time of day without having to mail anything.
Pay By Phone
You can make payment with ease by calling the number on the back of your Loft credit card. When you do so, a customer service can assist you in making one-time or recurring payments over the phone using your choice of payment method.
Pay By Mail
You can aso make payment by sending a physical check or money order via mail. Just include your statement’s payment stub along with the payment amount due in the envelope to ensure it gets processed correctly. Make sure to mail payments at least 5-7 days before they are due.
How to Get the Most From Your Loft Credit Card
To maximize perks and savings with a Loft credit card, keep these tips in mind:
- Pay off balances in full each month to avoid finance charges
- Take advantage of special financing offers on large purchases
- Redeem Loft Cash rewards before they expire
- Stack rewards and discounts from in-store sales and promotions
- Focus Loft credit card spending during seasonal sales events
As a Loft credit card holder, Just make sure you use your card responsibly, pay attention to benefits offers, and redeem rewards regularly to get the most of out of the program.
Loft Credit Card Customer Service
If you ever have questions, issues with your account, or just need assistance, Loft provides several ways to get in contact with customer service:
- Call the toll-free number listed on the back of your card
- Start a live chat session on the Loft website
- Send a message through your online account portal
- Write to the customer service address provided on statements
The Loft customer service team is available 7 days a week for cardholder support needs. Be ready to provide identifying details like name, account number, recent transactions when initiating any inquiry.
Conclusion on How to Make Payments on Your Loft Credit Card
The Loft credit card offers cardholders special financing options, discounts, rewards, and perks at Ann Taylor Loft stores. Responsible use of the card can lead to serious savings on your favorite Loft fashion and accessories.
Just be sure to pay attention to benefits offers, by making payments on time. With sound money management, this card can be a great asset for frequent Loft shoppers.