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Last Updated: 07/28/2025

Piercing Pagoda Credit Card

from Comenity Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Piercing Pagoda Credit Card logo
Rating not yet determined1 total votes
1 users don't recommend

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Highlights

Purchase APR (Variable APR)

29.99%(Verified 06/21/2024)
Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 850

Annual Fee

$0

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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

  • APR: This is not a great card for people who carry a balance. It has a variable regular 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 you have a fair credit score or better.

Pros & Cons of Piercing Pagoda Credit Card

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.

How do people rate the customer service and user experience of Piercing Pagoda Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Piercing Pagoda 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, Piercing Pagoda 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 Piercing Pagoda Credit Card

  • Visit the website of Piercing Pagoda 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

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-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.

Piercing Pagoda Credit Card Community Reviews

Would you recommend Piercing Pagoda Credit Card to your friends?

SF

Sandrine F.

Aug 23, 2019

May or may not recommend

Finance charges suck that they did not go over with me from the beginning now stuck paying a lot , minimum payment went up a lot just overall if you plan on getting one thing ok but multiple items I would not , just wish I could pay the balance and be all set their jewelers sucks too

Showing 1 of 1 reviews

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