Where to send your Aéropostale credit card payment

Aéropostale credit cards are issued by Comenity Capital Bank, not by Aéropostale itself. This means you send payments to Comenity, not to an Aéropostale store or corporate office. You have three main ways to pay: online through your account, by phone, or by mail.

The fastest and most direct route is logging into your Comenity account online. You can set up a one-time payment or recurring automatic payments from a checking or savings account. If you do not have your account set up yet, you can register at the Comenity website using your card number and Social Security number.

If you prefer not to pay online, you can call Comenity's customer service number, which appears on your monthly statement and on the back of your card. A representative can process a payment over the phone using your bank account or debit card. Payments made by phone are usually posted within one business day.

Key Takeaways

  • Your Aéropostale credit card is managed by Comenity Capital Bank, so you pay Comenity directly, not Aéropostale.
  • Online payment through your Comenity account is the fastest method and lets you schedule payments in advance or set them to repeat automatically each month.
  • Phone payments are processed by Comenity customer service and typically post within one business day.
  • Mailed payments should be sent to the address on your statement, and you should allow 7 to 10 business days for the payment to reach and post to your account.
  • Your payment due date and minimum payment amount appear on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.

Paying online through your Comenity account

To pay online, go to the Comenity website and log in with your username and password. If you have not created an account yet, select the option to register. You will need your card number, Social Security number, and date of birth to set up your login.

Once logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard or in a menu labeled "Payments" or "Account Services." Enter the amount you want to pay and the date you want the payment to post. You can pay when ready or schedule it for a future date, which is useful if you want to time the payment with your paycheck.

You can also set up automatic recurring payments so the same amount posts on the same day each month. This removes the need to remember your due date. To do this, select the option for automatic or recurring payments and choose your payment amount and the date each month when you want it to come out of your bank account.

Paying by phone or mail

To pay by phone, call the number on the back of your card or on your monthly statement. Have your checking or savings account number ready, or have a debit card available. The representative will ask for the amount you want to pay and the date you want it posted. Phone payments typically post within one business day, though some may take up to two business days depending on when you call.

If you prefer to mail a payment, write a check or money order and include your account number on the back. Mail it to the address shown on your statement under "Payment Address" or "Make Payments To." Do not send payment to an Aéropostale store. Allow 7 to 10 business days for a mailed payment to arrive and post to your account. If your payment is due soon, mailing is risky because delays in the mail could cause you to miss your due date.

Understanding your payment due date and minimum payment

Your monthly statement shows two important numbers: your minimum payment and your payment due date. The minimum payment is the smallest amount you can pay to keep your account in good standing and avoid late fees. The due date is the last day Comenity will receive your payment before charging a late fee.

If you pay only the minimum, the rest of your balance carries over to the next month and you pay interest on it. Paying more than the minimum reduces the interest you owe. Paying your full statement balance by the due date means you owe no interest at all.

If you miss your due date, Comenity charges a late fee and may report the late payment to credit bureaus, which can lower your credit score. If you realize you will miss the due date, contact Comenity when ready — sometimes they can work with you, especially if it is your first late payment.

What to do if you have trouble making a payment

If you cannot pay your full balance or minimum payment by the due date, contact Comenity before the important date. Explain your situation to a representative. While Comenity is not required to work with you, they may offer options such as a payment plan, a temporary lower minimum payment, or a hardship program depending on your circumstances and account history.

Do not ignore the bill or skip a payment hoping the problem will go away. Late payments damage your credit score and trigger fees that grow your debt. Calling ahead shows good faith and gives you the best chance of finding a solution.

Checking your payment status

After you make a payment, you can check its status by logging into your Comenity account online. Payments made online or by phone usually show as "pending" for one to two business days, then move to "posted" once they are applied to your account. Mailed payments take longer to appear in your online account because they must be received, processed, and entered into the system.

If you made a payment and do not see it reflected in your account after the expected time, log in and look for a payment history or transaction log. This shows all payments received and when they posted. If a payment is missing or shows an error, contact Comenity customer service with the date and amount of the payment.

Frequently Asked Questions

Can I pay my Aéropostale credit card at an Aéropostale store?

No. Aéropostale stores do not process credit card payments. You must pay through Comenity Capital Bank online, by phone, or by mail. Trying to pay at a store will not work and may cause confusion.

What happens if I pay late?

Comenity charges a late fee, usually $25 to $40 depending on your card terms. The late payment is reported to credit bureaus and appears on your credit report, which can lower your credit score. Future interest rates on this card and other credit products may increase as a result.

Is there a fee to pay online or by phone?

No. Comenity does not charge a fee for online or phone payments made from a bank account. Some payment methods, such as paying with a credit card or using a third-party payment service, may carry fees, but standard bank account payments are free.

How long does it take for an online payment to post?

Online payments typically post within one business day. If you schedule a payment for a future date, it will post on that date. Payments made after business hours or on weekends may not post until the next business day.

What if I overpay my credit card?

If you pay more than your balance, Comenity holds the extra amount as a credit on your account. You can use this credit toward future purchases, or you can request a refund. Contact Comenity to ask for a refund if you prefer not to keep a credit balance.