Abercrombie & Fitch is a famous clothing brand that has made a name for itself in the industry. Abercrombie & Fitch Co. owns three clothing brands under their umbrella company. Does Abercrombie & Fitch have a credit card?
Yes, it does. The Abercrombie & Fitch stores do have their credit cards with benefits. Although this card is not as famous and is not used by many people, if you love to shop at Abercrombie & Fitch, it can help you save money.
If you want to know more about the credit cards from Abercrombie and Fitch and how they can be used. Keep reading this article. Here we will discuss the benefits and drawbacks of getting this credit card, so you can decide for yourself if you will get it or not.
What Bank Is Abercrombie Credit Card?
Comenity Bank issues credit cards, a popular choice for card-issuing, as the number of credit cards issued by Comenity Capital Bank or one of its subsidiaries is 34 million. The bank was started in 1989.
Along with Abercrombie & Fitch, they have credit cards for other famous stores like Avenue, American Home, Carson’s GameStop, and many more.
The A&F credit card is easy to apply for, but they do need your credit score, so if you have a bad credit score, you might not be able to use it. It is only helpful for someone who spends a lot of money on a brand and wants to spread the word about the money spent.
How to Apply for the Abercrombie and Fitch Card?
It is easy to apply for a credit card, and it is excellent for people who want to improve their credit scores. You can go to their website or call 1-800-695-9583 for an application.
- Step 1
Before getting started, you must meet some requirements, or you cannot apply for this credit card. To use it, you must be 18 or older, have a valid government ID and a valid social security number, and live in the United States.
You are ready to apply for the card if you meet these demands. It is essential to ensure these things so that no one misuses the cards.
- Step 2
Then you have to go to the website of Comenity Bank and fill out the form. It is a simple form to fill out that requires your name, social security number, date of birth, and annual income first.
After this, you must fill in more important information like contact information, home address, phone number, email address, and more. There is also an option to add another authorized buyer that can use your credit card to purchase items for you.
- Step 3
Now you are all done. You have to read the terms and conditions for the card to make sure you agree with all of them and then press “I consent” to submit the form. You will soon get an email with the status of your application.
Can You Use Your A&F Credit Card at Hollister?
No, you cannot use an Abercrombie & Fitch credit card at Hollister. Yes, Hollister is owned by the same company as the Abercrombie & Fitch brand, but still. The credit card can only be used in Abercrombie stores online and in-store.
The card is not valid in other stores that sell Abercrombie merchandise or on third-party websites. So if you want to use the card, you can only do it in Abercrombie’s original stores and online.
Pros and Cons of Abercrombie Credit Card
There are many pros and cons to having this credit card. For some people, having this card helps them, while others find it useless.
We must mention that not many people found it worth purchasing the credit card for Abercrombie, but you can make your own decision by looking at the pros and cons below.
Here is why people consider buying this credit card.
- No annual fee
Unlike some other credit cards, you don’t have to pay an annual fee for this card; you only need to pay a monthly fee.
- Easy to apply
For applying, you don’t need any complex documents. Moreover, the application is free, so you don’t have to pay for the form.
- Low monthly fee
The fee that you have to pay monthly depends on many things, but it is usually very low. This allows people to buy whatever they want without spending much money all at once.
- Good for building a credit score
The card is easy to apply for and a good source for building credit scores. You can also use good credit scores to buy a better credit card. So it is great for this use.
- No interest rate
There is no interest rate if you pay the monthly fee on time. Of course, there is an interest rate if you fail to do so. However, as long as you pay on time, you will be fine.
- Online Use
Most credit cards can only be used in stores and not online. However, this credit card can only be used while purchasing from the Abercrombie website.
Now let’s look at some reasons why people do not want to purchase this credit card.
- A high-interest rate
If you fail to pay the fees on time for whatever reason, the interest rate is very high. The average interest rate is 25%, although it does depend on the credit on the card. It is still way too high.
- No benefits
The card only offers 25% off on the first purchase but except that there are no real benefits of having the card. They do say that you get a present on your birthday, but it is nothing special. The card is only useful for spreading out payments.
- Not Useable everywhere
As you know, it can only be used at the Abercrombie store. Not even at Hollister, which is part of the parent company.
Some More Questions
Here are some questions that people have about credit cards from Abercrombie & Fitch.
Is Comenity Bank A Real Bank?
Yes, it is a real bank that is a legitimate financial institution. In fact, the bank is pretty successful because they have over 135 retail partners and over 50 million customers.
Is Hollister Better than Abercrombie?
Hollister has cheaper clothes, and their clothes are targeted towards teens, while Abercrombie is targeted toward a more mature audience. So, depending on what you prefer, you should shop at the brands. There isn’t one better than the other.
What Is The Easiest Comenity Card To Get?
Abercrombie & Fitch is a pretty easy credit card to purchase. Similarly, it is easy to get a Zales credit card, an Ann Taylor store credit card, and a Petland credit card.
All the credit cards are easy to get, as long as you have a good credit score.
- Now you know that Abercrombie does have their own credit card. Not many people use it because it is only useful if you are a regular at Abercrombie and Fitch and will buy their clothes at least once every month.
- Hopefully, now you know if you want the Abercrombie credit card or not, after looking at all the pros and cons of having it.