Lane Brylane Credit Card Review & Benefits of the Card

If you’re wondering whether Brylane Home Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Like many other retailers, women’s plus-size retail chain Lane Bryant offers a retail reward credit card to its customers. The bank behind the card is Comenity, a financial services company that provides credit card services to hundreds of retailers across the country.

While the card offers a number of attractive perks, there are some restrictions and downsides customers should be aware of before filling out the application.

Overview

Besides being limited to Lane Bryant family brands, the Lane Bryant Credit Card’s primary drawback is it’s hefty 28.24% APR, which can quickly turn any winning deals into costly losers as fees pile on.

That said, if you’re careful to pay off your card balance every month and don’t mind a closed-loop card you can’t use elsewhere, the Lane Bryant Credit Card can offer some decent value, but the card will be most lucrative for those who spend enough each year to reach a higher membership level.

All cardholders can earn 2X points per $1 spent on purchases made at Lane Bryant, Lane Bryant Outlet, and Cacique, cacique.com.

You can also get it at lanebryant.com, as well as 1X point per $1 spent on purchases at Catherines and Catherines.com. The actual value of those points will depend on your membership level, with basic Preferred Status members receiving a $10 credit rewards for every 400 points.

If you reach Premier Status, those 400 points will net you $15, and you’ll receive $20 for those 400 points as a Platinum Status-level cardholder.

Benefits of Having a Lane Bryant Credit Card

Convenience

First and perhaps foremost, credit cards are convenient in a way that other methods of payment can’t match.

After all, interested individuals don’t have to do more than carry a standard-sized card with them, which takes up much less space than cash while being much more convenient than other payment methods.

Granted, a Lane Bryant credit card isn’t quite as convenient as most credit cards in that it is limited in the places where it can be used, but it is still an upside for it.

No Annual Fee

One of the most notable upsides to the Lane Bryant credit card is the fact that there is no annual fee. This way, its users won’t have to make use of their credit card on a regular basis to make having it worthwhile for them in a financial sense.

Instead, they can choose to use their Lane Bryant credit cards when it makes the most sense for them.

Special Offers

Cardholders can expect some bonuses with their Lane Bryant credit cards. One example consists of special offers that are available in each month, which can help them collect more reward points. Another example consists of birthday gifts.

Security

Of course, credit cards come with a lot of security measures, with a Lane Bryant credit card being no exception to this rule. On top of that, since a Lane Bryant credit card is limited in where it can be used, that hinders the chances of it being misused should it become either lost or stolen.

Availability of Funds

Credit cards are borrowed funds. However, what stands out the most is that credit cards offer borrowed funds that can be had in an instant. Considering the sheer amount of paperwork that is required for some of the different forms of credit that can be found out there, this is a significant advantage.

Usable at Cacique and Catherines

Primarily, a Lane Bryant credit card is supposed to be used as Lane Bryant. However, it is important to note that it can be used at both Cacique and Catherines as well.

Moreover, it can be used at either the online or the offline stores, which should come as welcome news to people who are interested in their products. But might find it inconvenient to head out to one of their physical locations.

60 Days of Returns Under Certain Circumstances

On a related note, a Lane Bryant credit cardholder enjoys 60 days of returns, which can be quite convenient. However, this is only true so long as they remember to hold onto their receipts, which tends to be a good idea whenever people make a purchase of significant size as a just in case precaution.

Approval Requirements & Application

Prospective applicants for the Lane Bryant Credit Card will need at least a fair credit score for the best chances of approval, as there are few reports of cardholders being approved with lower scores.

To apply, head to your local Lane Bryant location, or fill out an easy online application through the link below.

How to Apply For Lane Bryant Credit Card

1. Locate the Lane Bryant Credit Card on Comenity Bank’s site and click Apply.

2. Complete the application with your personal and contact information. Specify whether you’d like to add an authorized buyer and click Continue.

3. Continue through the steps, entering your financial information and other details as requested. Submit your application.

Read Also: How to Pay TJMaxx Card Online. Steps to Make Your Payment Online

How Long Will it Take to be Approved?

Comenity Bank automates conditional credit approval online, which means that you could see a decision on your application in minutes.

I got the card. Now what?

• Make timely payments. By registering your account with Comenity Bank, you can manage your spending. See how close you are to rewards and stay on top of payments 24/7.
• Avoid unnecessary interest. At the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
• Avoid fees. Avoid hefty fees of up to $40 for late and returned payments with autopay.
• Customer service. Visit Comenity Bank’s Help section or call 1-844-271-2526 for support.

Final Say

If you’re a fan of Lane Bryant’s style for curvy women, this Comenity store card can help you access savings rewards and exclusive discounts.

We hope this article has been helpful to you. Please share it with anyone who you think will appreciate the information!