Piercing Pagoda Credit Card Review

This is a store credit card issued by Comenity. If you're wondering whether Piercing Pagoda Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good	The Bad
Jewelry inspection reminders and cleaning notifications via email throughout the year $25 off on your birthday Financing options available. No annual fee. Piercing Pagoda Credit Card reports to multiple credit bureaus.	High interest rates. Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Does Piercing Pagoda Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Piercing Pagoda Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 29.99%.

What are the fees for Piercing Pagoda Credit Card?

The following fees apply:

Piercing Pagoda Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Piercing Pagoda Credit Card report your account activity to credit bureaus?

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

• 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 improve your credit.

How to apply for Piercing Pagoda Credit Card

• Visit the Piercing Pagoda Credit Card website.
• 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.