Piercing Pagoda Credit Card

Piercing Pagoda Credit Card Review

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

Key Takeaways

• 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.

Pros & Cons of Piercing Pagoda Credit Card

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.

Piercing Pagoda Credit Card FAQ

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. This card has higher than average regular APRs.

Piercing Pagoda Credit Card 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

Description
No Annual Fee?
Annual Fee	$0
Minimum Interest Charge	$2
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $40
Late Fee Amount	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.