Talbot Credit Card Review, Application Process, Login Guide and Payment Process

Talbot Credit Card

Talbot Credit Card is known as a store credit card. It is one of a credit card issued by Comenity. If you are wondering whether Talbots Credit Card is the right card for you, read on. This article will run through everything you need to know about Talbot store card.

Is this card really worth getting? Or will you feel okay with a usual loyalty store card? Let’s find it out in our Talbots credit card review.

First of all, it is necessary to say that this credit card comes without an annual fee. Also, it is not linked to a major payment network (such as Visa card or MasterCard), which means that you can use this card only in Talbots stores.

Talbots has more than 400 stores across the United States that sells women’s clothing, along with 65 Women’s Clothing Factory Outlets and 5 Clearance stores.

For women who need the financial flexibility to take advantage of the many in-store sales and savings, a Talbots Credit Card might be exactly what needs to fit into their wallet.

One thing about this credit card we dislike is the high-interest rate. On the other hand, the card has low credit score requirements. This is something common for such subprime credit cards. Though, we advise you to have a good credit score of at least 650 before applying. Customers with credit as low as 550s have occasionally been accepted.

Obviously, the main appeal of this credit card is the rewards rate. With a standard Talbots credit card, you can expect to receive 1 point for every $1 spent in Talbots stores. Later, you can exchange 500 points for a $25 certificate. This actually leaves you with a 5% reward rate.

The Merits and Demerits of Talbot Credit Card

Before we move on with this topic, we need to highlight the good and bad of this store credit card. At the end of this part of the article, you will gladly decide on either to apply or not for this credit card.

Merits of Talbot Store Card

====> On this store credit card, you will receive 1 point for every $1 spent on your Talbots Credit Card. When you spent $25, you will be rewarded 500 points

====> Talbots Credit Card reports to multiple credit bureaus.

====> On your birthday, Talbot’s credit card rewards you with extra 15% Off savings for your birthday

====> You will receive extra 5% Off During Semi-Annual Red Hanger Clearance Sales

====> No annual fee charges are attached to this credit card. You don’t need to worry about the annual fee at all.

====> Bonus Points Events Exclusive Access to sneak peaks and style content in our monthly e-news

Demerits of Talbot Credit Card

We had just completed the merit of this credit card. This part will not be completed without running through the negative part of it.

====> Can only be used at Talbots, this credit card cannot be used on any other store.

====> Does not offer a signup bonus, most credit card offer sign up bonus but it lacked in this credit card.

====> Does not offer rewards or cash back. Other credit cards allow cash back to her customers, that you will not get on Talbot credit card.

====> You don’t earn rewards on every purchase.

====> Does not include many credit card benefits. Most of the other credit cards are accepted by the like of MasterCard and Visa Card. This card is not including many credit card benefits.

Talbot Credit Card Application Process

After reading this Talbots credit card review, then you have gone through the merits and demerits of the credit card. You have decided to apply for this credit card.

You are now concerned about the application process, this part of the article will guide you through the application process. You should submit an application through Comenity Bank official website. Here is what you need to do.

Step 1 ====> You need to visit the official application page on Comenity Bank website or click Talbot Store Card

Step 2 ====> On this page, locate and click on the Apply Now button. This button is located at the centre of the page.

Step 3 ====> On the next page, you will get to see the options of store loyalty cards and credit cards. At that point, you should click on the APPLY NOW button, placed under credit card.

Step 4 ====> Now after that, you will get an application form. At the top of that page, you will be able to read the terms and conditions of that credit card. Please, do it carefully and attentively.

Talbots Credit Card

Step 5 ====> Scroll down and start filling out the application form. In particular, you should provide the following information: your first and last name, social security number, date of birth, and annual income.

Step 6 ====> Now enter your contact information, such as your address with zip code, email address, and phone number in the space provided.

Step 7 ====> At the bottom of the page, you may add an authorized buyer, i.e. a person, who will buy able to make purchases on your name. For that purpose, select Yes in that field and provide the necessary information.

Step 8 ====> Once you are done with the application form, now locate and click on the Continue button in order to proceed with the application.

Step 9 ====> After you will submit your application, you are likely to see whether you have been approved.

Talbot Credit Card Login Guide

You have just completed the application process. That is not all, you need to learn how you can access your online account.

Once you have got a credit card from Talbots, you can sign up for online access. In turn, this will allow you to manage your card online (like making payments or checking your balance).

You will online make payment online when you are able to access your online account. If you can log-in to your account, online payment will not possible. This part of the article will run through the login process of the Talbot credit card.

Step 1 ====> You need to visit the official login page through the Comenity Bank website

Step 2 ====> Now you will get to see the Talbots credit card login form on the left side of the page

Step 3 ====> On the form, enter your login details (username and password) in the space provided

Step 4 ====> Besides, you may also save your username for future sessions by checking the box near Remember Me

Step 5 ====> Finally, click the sign in button to access your online account.

Talbot Store Card Payment Process

The payment process is the heart bit of every credit card. Once you are able to make a payment through your credit card, you have no problem. Talbot credit card offers various means to pay your bills. There are three modes of payment through this credit card.

Phone Payment Process

Mail Payment process

Online Payment Process

Phone Payment Process

This method is active but not the most used method of payment on the Talbot credit card. For that purpose, you should call 1 800 225 8204 (or TDD/TTY 1 800 695 1788) and ask the operator to pay your card. Keep in mind, however, that you might be charged a fee for such a way of payment

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Mail Payment Process

Another means of payment is through the mail process. Just like the phone payment process, is not the most used payment option.

If you have decides to pay your bills through mail payment option. You can mail your payment to the Comenity Bank. For that, you need to provide the necessary information (to identify your account) and send your payment to the following address:

Talbots Credit Card

P.O. Box 659617

San Antonio, TX 78265-9617.

Online Payment Process

As a matter of fact, this is the most used method to pay bills by customers or Talbot credit cardholder. So, the easiest and fastest way to pay your card is to do so online.

In order to pay your Talbots store card online, you should follow our guidelines from the Login section and sign in to your card account online as explained above.

Once you will access your credit card account online, you will be able to make a payment there.


That is what we have for you on Talbot credit card, as promised. We had run through the review on the credit card, the application process and login guide. Not only that, we run through various means of the payment process. If you have any issue, you need to contact the help desk on the official website.

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About the Author: Gadgetsright

Adeola (Jasper) is someone who loves everything about technology. He devoted to everything that is tech-related and tries his best to produce useful and quality articles about mobiles, computers and other related products.

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