Comenity Bank SCRA: 6% Cap on Bread Financial Store Cards

A store card carries the retailer’s name, not the bank’s, and for many retailers that bank is Comenity. Comenity Bank and Comenity Capital Bank are the card banks of Bread Financial, and every brand’s online account center carries the same page, “Military Servicemembers Civil Relief Act (SCRA),” under Comenity’s own heading: “Comenity and Comenity Capital Bank Are Committed to Providing SCRA Benefits.” Read live under the Eddie Bauer and Victoria’s Secret brand paths in August 2026, the text is identical, which tells you the important thing: one desk, one address, one phone number, for every Comenity card you carry.

The page states an interest rate of no more than 6% on accounts owned and serviced by Comenity, retroactive to your active duty start or order-to date. That is the statutory floor, not a discount below it. Store cards run high contract rates, so the floor is worth real money: a $2,500 pre-service balance at 29.99% capped to 6% forgives about $600 a year in interest, applied back to the day your orders started. Size your own cards in the savings calculator.

What Comenity puts in writing

Comenity’s eligibility list is the SCRA’s own: active duty Army, Navy, Air Force, Marine Corps, or Coast Guard, reservists on active duty, Guard members in qualifying active service, and commissioned officers of NOAA and the Public Health Service on active service.

How to file with Comenity

File your SCRA request with Comenity

1. List every Comenity Bank and Comenity Capital Bank card opened before your active duty start date, with account numbers. The account center footer has a “Search Brands” link if you are not sure which of your store cards Comenity issues.
2. Pick one channel. Call 1-855-463-0222, Monday to Friday, 8:00 a.m. to 8:00 p.m. Eastern (voicemail after hours, closed holidays). Fax a written request with orders to 614-729-3417. Mail it to Comenity, Attn: SCRA Request, PO Box 182273, Columbus, Ohio 43218-2273. Or, if you are registered online, send it through the Secure Message Center, which Comenity says gets a reply within 48 hours.
3. Attach your active duty orders or a letter from your commanding officer on official letterhead showing your active duty periods. Comenity’s own follow-up request asks for first, middle, and last name, Social Security number, and branch of service, so put those on the letter the first time. The letter generator builds a § 3937 request that carries all of it.
4. File as the primary cardmember or joint holder. Comenity denies requests filed by an authorized user.
5. Watch the next two statements on every listed card for the 6% rate and the retroactive credit, keep the confirmation, and calendar the mailed end-of-benefits notice. If your orders extend, send the new orders before the benefits lapse.

Where Comenity cardholders lose money

The card you forgot is the one that costs you. Comenity’s page speaks to “your Comenity credit card accounts,” plural, but nothing on it says the desk will sweep your other brands automatically. Treat the filing as a list, not a card. A store card you opened years before enlisting and rarely use still accrues interest at its contract rate on any balance, and it is exactly the kind of account nobody remembers to include.

Authorized-user cards are a dead end, and joint status matters. Comenity’s denial list names authorized users specifically. If your spouse holds the card and you are only an authorized user, the request has to come from your spouse, and Comenity will decide it under the SCRA’s rules for jointly held debt. Filing under your own name on a card that is legally your spouse’s gets a denial letter, not a rate cut. The spouse and family guide covers who can invoke what.

Fees are not mentioned, so ask. Comenity states a rate and nothing else. Under § 3937(d)(1) “interest” includes fees and other charges, so a late fee on a capped account is a question worth putting in writing. Issuers that publish fee waivers are on the bank comparison; Comenity is not one of them as of August 2026, which means silence, not refusal.

The end date is your active duty end date, full stop. No one-year tail applies to a credit card; that tail is for mortgages under § 3937(a)(1)(A). Comenity says it mails a notice at least 45 days before benefits end. Guard and Reserve members on back-to-back orders should send each extension as it comes, because the desk works from the dates on the orders it has. The Guard and Reserve activation guide covers the paperwork rhythm.

The page lives inside the account center, not on breadfinancial.com. Bread Financial’s public help site lists only general credit card numbers and bank mailing addresses (verified August 2026), so if you searched Bread’s site and found nothing, that is why. The SCRA page renders under any brand path in the Comenity account center. If your request stalls, the escalation playbook applies to Comenity like any other creditor.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute , or see where it sits in the whole Act .