Paying your Boscov's bill online through Comenity's website or mobile app
You can pay your Boscov's credit card bill online by logging into your Comenity account at comenity.com, selecting your Boscov's card, and choosing the payment option. Comenity is the bank that issues and manages the Boscov's credit card, so all online payments go through their system. You can pay from a checking or savings account, and the payment typically posts within one to two business days.
The fastest way to start is to go directly to comenity.com and click "Log In" at the top. If you do not have an online account yet, you will need to set one up using your card number and other identifying information. Once logged in, you will see your Boscov's card listed under "My Accounts" and can navigate to the payment section from there.
You can also pay through the Comenity Mobile app, available on iOS and Android. The app has the same payment features as the website and lets you set up one-time payments or recurring automatic payments if you prefer.
Key Takeaways
- Log in at comenity.com with your Boscov's card number to access your account and make a payment.
- Payments from a bank account typically post within one to two business days, so plan ahead if your due date is soon.
- You can set up automatic recurring payments through Comenity so your bill is paid on the same date each month.
- If you do not have an online account, you will need to register first using your card number and personal information.
Setting up an online account if you are new to Comenity
If you have never logged into Comenity before, you will need to create an account. Go to comenity.com and select "Register" or "Create Account." You will be asked for your Boscov's card number, date of birth, Social Security number (last four digits), and the ZIP code associated with your account.
After you submit this information, Comenity will verify your identity and send you a confirmation. You will then create a username and password. Write down your username somewhere safe — you will need it every time you log in to pay your bill or check your balance.
Once your account is active, you can log in immediately and make a payment. There is no waiting period.
What payment methods Comenity accepts
Comenity accepts payments from a U.S. checking or savings account only. You will need to provide your bank's routing number and your account number. You can find both on the bottom left of a check, or you can call your bank to ask.
Comenity does not accept credit card payments, debit card payments, or payments from accounts outside the United States. If you want to pay by phone instead of online, you can call the customer service number on the back of your Boscov's card.
There is no fee to pay your bill online through Comenity, whether you pay once or set up automatic payments.
How to set up automatic payments so you never miss a due date
Automatic payments are useful if you want your bill paid the same day each month without logging in. Log into your Comenity account, go to the payment section, and look for "Recurring Payments" or "Automatic Payments." Select the amount you want to pay each month — you can choose a fixed dollar amount or the full statement balance — and pick the date you want the payment to come out of your bank account.
Comenity will process the payment automatically on that date each month. You can change or cancel the automatic payment at any time by logging back in. If your bill amount varies month to month, you can set the automatic payment to cover your full balance so you do not have to adjust it manually.
Even with automatic payments turned on, you should still check your statement each month to make sure the payment went through and your balance is correct.
What to do if your payment does not show up
Payments typically post within one to two business days. If you paid on a Friday evening, for example, the payment may not show until Monday or Tuesday. Check your Comenity account a few days after you submit the payment to confirm it posted.
If more than two business days have passed and the payment still does not appear, log back into Comenity and look for a confirmation number or receipt from when you made the payment. Write down that number and call the customer service line on the back of your Boscov's card. Have your confirmation number ready so the representative can trace the payment.
Do not make a second payment while you are waiting for the first one to post, as this can cause you to overpay. Wait for confirmation that the first payment arrived before sending another one.
Late payments and what happens to your account
If your payment does not arrive by your due date, Comenity will report the account as late to the credit bureaus. A late payment can lower your credit score and may trigger a penalty interest rate on your card, meaning you will pay a higher percentage in interest on any balance you carry.
If you realize your payment will be late, call the customer service number on the back of your card right away. Comenity may be able to note your account or work with you, depending on your history. Paying as soon as possible after the due date is better than waiting longer.
If you miss a payment by 30 days or more, Comenity may close your account or refer it to a collections agency. Avoiding this situation is much easier than recovering from it, so set up automatic payments if you are worried about forgetting.
Frequently Asked Questions
Can I pay my Boscov's bill at a Boscov's store instead of online?
No. Boscov's stores do not accept bill payments. You must pay through Comenity online, by phone, or by mailing a check to the address on your statement. The online method is fastest and leaves a record of when you paid.
What if I forgot my Comenity password?
Go to comenity.com and click "Log In," then select "Forgot Password." Comenity will send a reset link to the email address on file. If you do not receive the email within a few minutes, check your spam folder. You can also call the customer service number on the back of your card to reset your password over the phone.
Can I pay more than the minimum payment online?
Yes. When you log in to make a payment, you can enter any amount you want, up to your full balance. Paying more than the minimum reduces the interest you pay on any balance you carry and helps you pay off the card faster.
Is it safe to enter my bank account information on Comenity's website?
Comenity uses encryption to protect your banking information, the same technology banks use for their own websites. Your account information is not shared with Boscov's or other companies. If you are still uncomfortable, you can pay by phone or mail instead.