Forever 21 offers two different credit cards: the Forever 21 Credit Card and the Forever 21 Visa Credit Card. Comenity Capital Bank backs both cards, and each allows you to earn rewards and gives special access to cardholder promotions. Comenity would not disclose specific credit card approval requirements, but it did say your odds of approval depend on a number of different factors. Here’s what you need to know.
Forever 21 Credit Card Approval Odds Explained
American fashion retailer Forever 21 offers two different rewards credit cards: the Forever 21 Credit Card and the Forever 21 Visa Credit Card. Both cards let you take 20% off your first regular-priced purchase, and you’ll earn points on all purchases, enjoy a birthday discount, and gain access to exclusive cardholder promotions. The Forever 21 store credit card can only be used at Forever 21, while the Forever 21 Visa Credit Card can be used anywhere Visa is accepted.
For information on how to get approved for either card, we contacted customer service for Forever 21 and Comenity. Representatives from each told us that they don’t disclose specific approval information like a minimum credit score, and that approval is based on a number of different factors.
The Forever 21 Credit Card Agreement for both the store card and Visa credit card states that as part of the application process, Comenity may collect information including your Social Security number, income level, account balances, and transaction history. A credit report may also be obtained.
This means that your approval odds will depend on your credit score, payment history, outstanding balances on any current accounts, and your income.
You can apply for a Forever 21 Credit Card or Forever 21 Visa Credit Card online after creating an account or in a physical store. Typically, you’ll find out right away if you are approved. If you’re not approved, Forever 21 will mail you a statement explaining why you were denied at that time.
Forever 21 and Comenity Capital Bank don’t disclose specific information about its credit card approval process. However, we were able to find out that your chances of getting approved for a Forever 21 credit card depend on several factors, including a healthy credit history showing accounts in good standing and with low balances. If you have a weaker credit history, your chances of approval are lower.
To learn more about store credit cards, see our article detailing which department stores offer instant credit card approval and Neiman Marcus credit card approval odds.