Important Information Regarding Electronic Communication
Read this information carefully and keep a copy for your records
Prior to applying for a LOFT Mastercard® Credit Card or LOFT Credit Card, Comenity Bank requests your consent to provide you important information electronically.
You understand and agree that Comenity Bank may provide you with all required application disclosures regarding your LOFT Mastercard® Credit Card or LOFT Credit Card application in electronic form. These disclosures include, but are not limited to, Terms and Conditions, the Credit Card Account Agreement and Customer Privacy Statement.
You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at 1-866-886-1009 (LOFT Mastercard and LOFT World Mastercard Credit Card). 1-866-907-5612 (LOFT Credit Card) (TDD/TTY: 1-800-695-1788 ).
This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account Center.
At your request, we will provide you with paper copies of these disclosures. You have the right to withdraw consent, without a fee. Please call us at 1-866-886-1009 (LOFT Mastercard and LOFT World Mastercard Credit Card). 1-866-907-5612 (LOFT Credit Card) to withdraw your consent to receive electronic disclosures.
In order to receive electronic communications and to obtain the best view of these communications you will need access to the Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to download and print these disclosures, and Adobe Reader to view PDF files. You may download it for free at https://get.adobe.com/reader/ . Visit the Common Security Questions page for additional web browser information. By selecting the "Submit" button, you confirm that your system meets these requirements and that you have the capability to access and download or print electronic disclosures.
We recommend that you retain a copy of these disclosures for your records.
If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk. Note: Your LOFT Mastercard® Credit Card or LOFT Credit Card account is issued by Comenity Bank. Review our Financial Privacy Policy and Online Privacy Policy for more information. California Residents: Submit a Data Request Form to make a Do Not Sell or Share My Personal Information request.
If you do not qualify for the LOFT Mastercard® Credit Card, you may be considered for and receive the LOFT Credit Card, to be used only at LOFT. Before submitting your application/solicitation, please review rates, fees and costs for both credit cards.
Rate and Fee Summary
This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Loft Mastercard ® or Loft Credit Card Account . Read it and keep it.
Interest Rates and Interest Charges
Loft Mastercard · Loft Credit Card
Annual Percentage Rate (APR) for Purchases · 35.99% · 35.99%
APR for Balance Transfers · 35.99% · N/A
APR for Cash Advances · 35.99% · N/A
Penalty APR and When i t Applies · Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account i f you make a late payment. We may also consider your creditworthiness in determining whether to apply the Penalty APR to your account. How Long Will the Penalty APR Apply? I f your APRs are increased, the Penalty APR may apply indefinitely. · Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account i f you make a late payment. We may also consider your creditworthiness in determining whether to apply the Penalty APR to your account. How Long Will the Penalty APR Apply? I f your APRs are increased, the Penalty APR may apply indefinitely.
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