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Last Updated: 05/14/2026

Iddeal Credit Card

from Comenity Bank

Last Updated: 05/14/2026

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Iddeal Credit Card logo
Strongly not recommended7 total votes
7 users don't recommend

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Highlights icon

Highlights

Community Rating

Strongly not recommended

Purchase APR (Variable APR)

Up to 29.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

700 - 850

Annual Fee

N/A

Number of Reviews

7

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Iddeal Credit Card Review

This is a store card issued by Comenity Bank. If you're wondering whether Iddeal Credit Card is the right card for you, read on.

Key Takeaways

  • Good or excellent credit required. You will have low approval odds if your credit score is below good.

Pros & Cons of Iddeal credit card

Iddeal credit card FAQ

Does Iddeal credit card have a cash back or rewards program?

No, it does not offer a rewards program.

How do people rate the customer service and user experience of Iddeal credit card?

Overall, Iddeal credit card is strongly not recommended based on community reviews that rate customer service and user experience.

Does Iddeal Credit Card report your account activity to credit bureaus?

Yes, Iddeal Credit Card reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Comenity Bank perform a hard credit pull?

Yes, Iddeal credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Iddeal credit card

  • Visit the website of Iddeal credit card.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020
Visit Site

Hours of Operation

Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.

-100

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Iddeal Credit Card Community Reviews

Would you recommend Iddeal Credit Card to your friends?

HZ

Hamed Z.

Oct 7, 2024

May or may not recommend

It is better to borrow money from sharks compared to these guys. Very sketchy bank! Very bad experience working with them! Not recommended at all!

JW

Jason W.

Aug 30, 2024

May or may not recommend

THE WORST EXPERIENCE I'VE EVER HAD IN MY LIFE. Super high interest rates, promotional rates are a scam, they retro charged me thousands of dollars in interested and I made over 3K in payments already. I verified with them that the new interest would be on the current balance and the not the original balance, and they agreed. I tried to fight it but these people ARE NOT ...Show More

KR

Karin R.

Aug 28, 2023

May or may not recommend

Iddeal are crooks. I auto paid my balance within the promotion period. 1 1/2 weeks later they said my bank returned it. My bank has no record of it even trying to come through. I got screwed with $1600 fee for missing the deadline even though they never submitted it to my bank. Since I did the automated pay system they had nobody to blame ...Show More

No Reason A. avatar image

No Reason A.

Jan 5, 2022

May or may not recommend

The only reason I have this card was to finance my engagement ring. Everything about the service is two thumbs down. The UI/Ix on their website is ALWAYS experiencing technical issues. There’s no customer service on the weekends and even the automated service is useless. The card is a bust and thankfully I’ll be paying off my ring the end of this month & cutting this card up.

HS

H S.

Aug 18, 2021

May or may not recommend

They apply majority of your payment to interest, you will never pay this card off. Example $2500 line of credit you make regular payments and 4 years later you still owe $2055. Make it make since???

MW

Mildred W.

Mar 26, 2021

May or may not recommend

I received this Ideall credit card on fase information, at a Jewelry store in Staten Island NY. My husband and I were looking for a wedding ring to replace the current one that I was wearing. The purchase was a great deal with no interest charge in a year. In 10/2018 we payed it off in 6 months in 2019. So there was no need to purchase more ...Show More

U

Anonymous

Sep 24, 2020

May or may not recommend

They set you up for failure with there no interest please make sure your payment plan is set up correctly you can get SCREWED with 30% interest

Showing 7 of 7 reviews

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