Where to send your Boscov's credit card payment

Boscov's credit card payments go to a lockbox address that changes depending on whether you pay by mail, phone, or online. The card issuer is Comenity Bank, which handles billing and payment processing for the Boscov's card program. You will find the correct mailing address on your monthly statement under "Payment Address" — use that address, not the Boscov's store address, because mail sent to a store will be delayed or returned.

If you lose your statement, call the customer service number on the back of your card. The representative can give you the current lockbox address and confirm whether your payment method (mail, phone, or online) will reach them in time to post before your due date. Boscov's does not accept payments at store registers or customer service desks.

Key Takeaways

  • Mail payments to the lockbox address printed on your statement, not to a Boscov's store location.
  • Online payments through your Boscov's account or Comenity Bank's website post the same day if submitted before the cutoff time, usually 8 p.m. Eastern.
  • Phone payments require calling the number on your card and take one business day to post after you hang up.
  • Mail payments typically take five to seven business days to arrive and post, so send them at least ten days before your due date to avoid late fees.
  • A payment is considered late if it posts after 5 p.m. Eastern on the due date, regardless of when you sent it.

Online payment through your Boscov's account

The fastest way to pay is through the Boscov's website or mobile app. Log in to your account, navigate to the credit card section, and select "Make a Payment." You can pay from a checking or savings account (ACH transfer) or use another credit card, though paying with another card may trigger a cash advance fee. Enter the amount, review the details, and submit. The payment posts the same business day if you submit before the cutoff time, which is typically 8 p.m. Eastern time.

If you do not have an online account, you can create one at Boscovs.com using your card number and the last four digits of your Social Security number. You will receive a confirmation email when ready after you set up the account and again after each payment is submitted. Keep these confirmations in case you need to dispute a payment or prove you paid on time.

Online payment through Comenity Bank's website

You can also pay directly through Comenity Bank's payment portal without logging into Boscov's. Visit Comenity.com, select "Make a Payment," and enter your Boscov's card number. This route works if your Boscov's account is not set up or if you prefer to manage all your Comenity cards in one place. The payment posts the same day if submitted before 8 p.m. Eastern, and you will receive a confirmation number on screen and via email.

Comenity's portal also shows your current balance, recent transactions, and due date. Some cardholders use this method because it displays payment history across multiple Comenity cards at once. The payment still posts to your Boscov's account — there is no difference in timing or processing between paying through Boscov's or Comenity directly.

Phone payment by automated system or representative

Call the number on the back of your card to pay by phone. The automated system will ask for your card number, the amount you want to pay, and the account you want to draw from (checking or savings). You do not need to speak to a representative unless you have questions or want to set up a recurring payment. The system provides a confirmation number when ready, and the payment posts the next business day.

If you prefer to speak with a representative, press the option for customer service instead of the automated payment line. Representatives can answer questions about your balance, due date, or payment history, and they can also process the payment while you are on the phone. Wait times vary by time of day and season; calling early morning or mid-week is usually faster than calling evenings or weekends.

Mail payment and timing

Write a check or money order payable to Boscov's Credit Card and mail it to the lockbox address on your statement. Include your account number on the check. Mail payments typically take five to seven business days to arrive at the processing center, and one additional business day to post to your account. This means a payment mailed on a Monday might not post until the following Friday or Monday.

To avoid a late fee, mail your payment at least ten business days before your due date. If your due date is the 15th and today is the 5th, you have ten days, but mail sent on the 6th will likely not post until after the 15th. The due date is printed on your statement; a payment is late if it posts after 5 p.m. Eastern on that date, regardless of when you mailed it. If you are cutting it close, use online or phone payment instead.

Automatic recurring payments

You can set up automatic payments through your Boscov's account or by calling customer service. Choose to pay a fixed amount each month, your full statement balance, or your minimum payment. The payment will be drawn from your checking or savings account on the date you select, typically five to ten days before your due date. Automatic payments post the same day if scheduled before 8 p.m. Eastern, or the next business day if scheduled after.

Automatic payments are useful if you want to avoid late fees or prefer not to think about the payment each month. You can change or cancel an automatic payment at any time through your online account or by calling customer service. If you cancel, make sure you have another payment method in place, because missing a due date will trigger a late fee and may affect your credit report.

What happens if your payment is late

A late fee is charged if your payment posts after 5 p.m. Eastern on your due date. The fee amount varies but is typically $25 to $40 for the first late payment and may increase for subsequent ones. A late payment also appears on your credit report and can lower your credit score. If you are more than 30 days late, Comenity Bank may increase your interest rate to the penalty APR listed in your card agreement.

If your payment is one or two days late, call customer service and ask whether the late fee can be waived. Many issuers will remove a single late fee if you have a good payment history and it is your first offense. Provide the confirmation number from your payment if you have it. If the fee is not waived, you can dispute it by requesting a chargeback through your bank, though this is rarely successful and may damage your relationship with the issuer.

Frequently Asked Questions

Does Boscov's charge a fee to pay my credit card bill?

No. Boscov's and Comenity Bank do not charge a fee for paying by mail, phone, or online through their official channels. If you pay with another credit card through a third-party payment processor, that processor may charge a convenience fee, but Boscov's does not.

Can I pay my Boscov's credit card at a store?

No. Boscov's stores do not accept credit card payments at registers or customer service desks. You must pay by mail, phone, or online. Payments sent to a store address will be returned or delayed significantly.

How long does an online payment take to show up?

Online payments post the same business day if submitted before 8 p.m. Eastern. Phone payments post the next business day. Mail payments take five to seven business days to arrive, plus one day to post, so plan for up to eight business days total.

What if I pay more than I owe?

The overpayment becomes a credit on your account and will be applied to your next statement balance. You can also request a refund by calling customer service, though this may take one to two weeks to process. Some cardholders keep a small credit balance to cover the next month's minimum payment.

Can I set up automatic payments for just the minimum?

Yes. When you set up automatic payments, you can choose to pay your full balance, a fixed amount, or your minimum payment. Paying only the minimum will keep your account current but will not reduce your balance quickly and will cost more in interest over time.