What are the benefits and drawbacks of using a Herbergers credit card?
As of July 2024, the Herberger's credit card is still available, even though the Herberger's department store chain was acquired and closed down by its parent company Bon-Ton in 2018.
The Herberger's credit card is now managed by Comenity Bank, a leading provider of private label credit cards for retailers.
Despite the store closures, existing Herberger's credit card holders can still use their cards to make purchases on the Bon-Ton e-commerce website.
The Herberger's credit card offers 1 point per $1 spent at Bon-Ton.com, which can be redeemed for $10 in Bon-Ton rewards certificates once 200 points are accumulated.
New Herberger's credit card applicants can take advantage of a 20% discount on their first purchase, but the card has an APR ranging from 24.99% to 29.99% as of July 2024.
Herberger's credit card holders are eligible for special financing options during promotional periods, such as 0% APR for 6-12 months on qualifying purchases over $299.
The Herberger's credit card does not have an annual fee, making it an attractive option for shoppers who frequent the Bon-Ton e-commerce site.
Unlike many store credit cards, the Herberger's card can be used anywhere Mastercard is accepted, not just at Bon-Ton locations.
Herberger's credit card accounts are reported to all three major credit bureaus (Experian, Equifax, and TransUnion), which can help build or improve a cardholder's credit history.
Comenity Bank, the issuer of the Herberger's credit card, uses advanced fraud detection algorithms to monitor transactions and protect cardholders from unauthorized use.
Herberger's credit card holders can manage their accounts online, including making payments, viewing statements, and updating personal information.
In the event of a lost or stolen Herberger's credit card, cardholders can report the issue to Comenity Bank and have a replacement card issued quickly.
The Herberger's credit card is not the only private label credit card offered by Bon-Ton; the company also issued cards for its other department store brands, such as Younkers and Carson's.
While the Herberger's brand no longer has a physical retail presence, the credit card continues to provide value to cardholders through exclusive discounts and rewards.
Comenity Bank, the issuer of the Herberger's credit card, is known for its strong customer service and support, with multiple contact options for cardholders.
The Herberger's credit card is considered a closed-loop credit card, meaning it can only be used for purchases at Bon-Ton's e-commerce site and not for general purchases.
Herberger's credit card holders can take advantage of Comenity Bank's mobile app to manage their accounts on the go, including making payments and reviewing transactions.
In the event of a dispute or billing error, Herberger's credit card holders have the same consumer protections as other credit card users under the Fair Credit Billing Act.
The Herberger's credit card may not be the most rewarding or feature-rich store credit card on the market, but it can still provide value to loyal Bon-Ton customers.
Despite the challenges faced by the Bon-Ton retail chain, the Herberger's credit card has managed to adapt and continue offering benefits to its cardholders in the ever-evolving retail landscape.