Rue 21 Credit Card Apply (2024)

FAQs

Can you apply for a credit card under 21? ›

You'll need to be at least 18 years old to sign a credit card contract; however, since the Credit Card Accountability Responsibility and Disclosure Act of 2009, getting an unsecured credit card before you turn 21 isn't easy. You'll need to show proof that you have a steady source of income to qualify.

Note: Your rue21 REWARDS Credit Card account is issued by Comenity Capital Bank Please review Comenity Bank's Financial Privacy Policy and Online and California Privacy Policy for more information. California Residents: Submit a Data Request Form to make a Do Not Sell My Personal Information request.

You agree to pay us for all amounts due on your Account, including charges made by Authorized Users. You agree not to use your Account for illegal transactions. You may use your Account to make purchases anywhere the Card is accepted.

Have questions? Please contact Customer Care at 1-855-546-9546 (TDD/TTY: 1-800-695-1788) and we will be happy to help you.

While you have to be at least 18 years old to get your own credit card, you can become an authorized user on someone else's credit card as a 16-year-old. This allows you to have a copy of a credit card with your name on it — though the adult will still be the account holder and be responsible for paying the bills.

Federal law has established special restrictions for banks providing credit cards to those under the age of 21. These restrictions require that they either have an independent ability to make minimum payments or have a co-signer who is at least 21 and agrees to become liable for the debt on the account.

You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).

Your Comenity Bank credit card could have been closed for various reasons, including the following: Inactivity. Your account was in default. Missed payments.

Some credit cards from Comenity Bank are included in major card networks like Visa and Mastercard, which means they can be used almost anywhere. Other Comenity Bank cards are store cards only, meaning they can only be used in a specific store or a family of stores.

What credit card is not accepted everywhere? ›

The good news is that Visa and Mastercard are generally widely accepted abroad. The bad news is that Discover cards and American Express cards aren't as widely accepted. Also, in some places cash is still king.

Pay for your next purchase at Rue21 in 4 installments over 6 weeks when you check out with Zip.

Ways to Make a rue21 Credit Card Payment

By phone: Call 1-855-546-9546 and enter your card information when prompted. Make sure to send it early enough that it will arrive by the due date.

Forever 21 Credit Card Accounts are issued by Comenity Capital Bank. Forever 21 Visa® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.

Student credit cards are ideal for college students with limited credit history. However, 18-year-old students usually have to provide proof of consistent income. Some student credit cards, including the Discover It^® Student Chrome card, offer opportunities for you to learn healthy credit habits and even earn rewards.

In general, cardholders must be at least 18 to get a credit card. However, if you're under the age of 21 and lack a credit history, most issuers will require you to show proof of a steady source of income.

Late Teens / Early 20s. At age 18, you may be eligible for a credit card in their own name. If you don't have a credit history by this time, getting a card now will help you begin to establish one. That will be important down the line, when it comes time to rent an apartment or apply for a mortgage.

How old do you have to be to get a credit card? You can be an authorized user as young as 13, but you have to be 18 to sign up for your first credit card on your own. When you're ready for this step, you'll need to be prepared to show some documentation.