Smile Generation Financial Credit Card
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| Community Rating | Strongly not recommended |
| Purchase APR (Variable APR) |
28.49% (Verified 08/24/2022) |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 620 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 29 |
Smile Generation Financial Credit Card Review
This is a store card issued by Comenity Bank. If you're wondering whether Smile Generation Financial 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 28.49%
- 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 620.
Pros & Cons of Smile Generation Financial Credit Card
| The Good | The Bad |
|---|---|
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Smile Generation Financial Credit Card FAQ
Does Smile Generation Financial Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Smile Generation Financial Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Smile Generation Financial 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.Smile Generation Financial Credit Card has a variable purchase APR of 28.49%.
Does Smile Generation Financial Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Smile Generation Financial Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Smile Generation Financial Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Smile Generation Financial Credit Card?
The Smile Generation Financial Credit Card customer service number is (185) 579-69632.
What is the support contact email for Smile Generation Financial Credit Card?
The support contact email for Smile Generation Financial Credit Card is webmaster@comenity.net.
What is the Smile Generation Financial Credit Card login page?
You can access the Smile Generation Financial Credit Card login page here.
How do people rate the customer service and user experience of Smile Generation Financial Credit Card?
Overall, Smile Generation Financial Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Smile Generation Financial Credit Card report your account activity to credit bureaus?
Yes, Smile Generation Financial 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 Smile Generation Financial Credit Card
- Visit the Smile Generation Financial 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.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 USA - (185) 579-69632
- Visit Site
- Email Support
Other Services by Comenity Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $41 |
Smile Generation Financial Credit Card Community Reviews
Would you recommend Smile Generation Financial Credit Card to your friends?
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