Frequently Asked Questions

The loft offers two different credit cards: the Loft All Rewards Credit Card and the Loft All Rewards Mastercard. A Loft credit card provides a convenient way to pay for purchases online or in-store. Comenity Bank issues the Loft card. The LOFT All Rewards Credit Card is a loyalty card. You may also use the LOFT All Rewards Mastercard at any retailer that accepts Mastercard.Loft-Credit-Card As a Loft credit card holder, you accumulate reward points when shopping and enjoy exclusive discounts and benefits. Previously, we explained how to apply for a Loft credit card, how the application process works, register, reset your login credentials, and how to use a “Loft Card” mobile app. We will now present a list of questions and answers to help you better understand the Loft credit card and its offerings.

Frequently Asked Questions

Does Loft Credit Card Report Your Account Activity To Credit Bureaus?

Yes, Loft Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and timely payments to a creditor who reports to one or more credit reporting agencies demonstrates your financial responsibility and can help improve your credit score.

What To Do If Your Loft Credit Card Payment Is Late?

In the event of a late Loft credit card payment, it is best to make the payment as soon as possible by the due date. If you do not pay your ALL Rewards account on time, Comenity Bank will charge a late fee of $30. However, if you have received a late payment fee within the last six billing cycles, Comenity will increase the fee from $30 to $41.

Can I Use My Loft Credit Card Anywhere?

No, The Loft Credit Card is a loyalty card valid only at Loft stores and at Ann Taylor, Loft Outlet, Ann Taylor Factory Store, and Lou & Gray stores and websites.