🏬 What Happened to the Bon-Ton Credit Card?
Important Update: The Bon-Ton Stores, Inc. filed for bankruptcy in February 2018 and ceased all operations in August 2018. As a result, all Bon-Ton credit card accounts were closed by the card issuer, Comenity Bank.
If you’re looking to access your Bon-Ton credit card account, here’s what you need to know:
Timeline of Events
- February 2018: Bon-Ton Stores filed for Chapter 11 bankruptcy
- April 2018: Company liquidated at auction
- May-June 2018: All 260 stores across 23 states closed
- August 2018: All credit card accounts officially closed
- September 2018: Comenity Bank removed Bon-Ton accounts from credit card trust
💳 What This Means for Your Account
All Bon-Ton credit card accounts have been permanently closed. Here’s what happened to key account features:
Account Closures
- Credit cards: No longer usable for purchases
- Online login: Account access discontinued
- Rewards points: All unredeemed rewards forfeited
- Outstanding balances: Must still be paid in full
Affected Brands
The closure affected credit cards for all Bon-Ton family brands:
- Bon-Ton
- Bergner’s
- Boston Store
- Carson’s
- Elder-Beerman
- Herberger’s
- Younkers
💰 If You Have an Outstanding Balance
Even though the stores and card program are closed, any outstanding balances must still be paid. Here’s what you need to do:
Payment Options
- Check your credit report to see if you have an outstanding balance
- Contact Comenity Bank (the card issuer) at 1-800-266-3689
- Request payment information including current balance and payment address
- Set up payment plan if you cannot pay in full
⚠️ Important: Unpaid balances will continue to accrue interest and negatively impact your credit score. Contact Comenity Bank immediately if you have questions about your balance.
📊 Impact on Your Credit Report
The closure of your Bon-Ton credit card account may have affected your credit score. Here’s how:
Potential Negative Impacts
- Credit utilization: Reduced available credit may increase utilization ratio
- Credit age: Loss of older account may reduce average account age
- Credit mix: One fewer retail credit account
What to Do
- Check your credit report for accuracy at AnnualCreditReport.com
- Verify the account shows as “closed by creditor”
- Ensure no incorrect late payments are reported
- Dispute any errors with credit bureaus
📞 Contact Information
If you need assistance with your former Bon-Ton credit card account:
Comenity Bank (Card Issuer)
- Phone: 1-800-266-3689
- Hours: Monday-Saturday 8:00 AM – 9:00 PM ET
- Website: comenity.net
- Mailing Address: Comenity Bank, P.O. Box 182125, Columbus, OH 43218-2125
What to Have Ready When Calling
- Your full name and address
- Last 4 digits of your Social Security number
- Former Bon-Ton credit card account number (if available)
- Any recent statements or correspondence
🛍️ Alternative Store Credit Cards
If you’re looking for a replacement store credit card with similar benefits, consider these options:
Department Store Cards
- Macy’s Credit Card – Exclusive discounts and rewards
- Kohl’s Charge Card – 15-30% off shopping passes
- Target Circle Card – 5% off all purchases
- Nordstrom Card – Points on every purchase
General Rewards Cards
- Chase Freedom Unlimited – Cash back on all purchases
- Discover it Cash Back – Rotating 5% categories
- Capital One Quicksilver – 1.5% cash back everywhere
🔒 Protecting Your Financial Information
After a store closure and account changes, it’s important to protect yourself from fraud:
Do This
- Monitor your credit report regularly
- Destroy your old Bon-Ton credit card by cutting through the chip and magnetic stripe
- Keep records of your final statement and account closure notice
- Set up fraud alerts on your credit report
- Save any correspondence from Comenity Bank
Don’t Do This
- Don’t ignore communications from Comenity Bank about your account
- Don’t assume your balance is forgiven – it isn’t
- Don’t provide account information to unsolicited callers
- Don’t click on suspicious emails claiming to be from Bon-Ton
- Don’t let unpaid balances go to collections
🔗 Related Credit Card Logins
Looking for other card logins? Check out these related guides:
- Target RedCard
- Walmart Credit Card
- Amazon Store Card
- Kohl’s Charge Card
❓ Frequently Asked Questions
Can I still use my Bon-Ton credit card?
No. All Bon-Ton credit cards were permanently closed in August 2018 following the company’s bankruptcy and liquidation. The cards cannot be used for purchases anywhere, and the online account access has been discontinued.
What happened to my Bon-Ton rewards points?
Unfortunately, all unredeemed rewards points were forfeited when Bon-Ton ceased operations in 2018. Cardholders were notified via email that they could not use accumulated rewards after the bankruptcy filing. There is no way to recover or transfer these points.
Do I still have to pay my Bon-Ton credit card balance?
Yes. Even though the stores are closed and the card program has ended, you are still legally obligated to pay any outstanding balance. The account is managed by Comenity Bank. Unpaid balances will continue to accrue interest and damage your credit score. Contact Comenity Bank at u003cstrongu003e1-800-266-3689u003c/strongu003e to arrange payment.
Who issued the Bon-Ton credit card?
The Bon-Ton credit card was issued by u003cstrongu003eComenity Banku003c/strongu003e (formerly Alliance Data). Comenity managed the private label credit card portfolio for Bon-Ton and its family of stores including Bergner’s, Carson’s, Younkers, Herberger’s, Boston Store, and Elder-Beerman.
How do I contact Comenity Bank about my Bon-Ton account?
Call Comenity Bank’s customer service at u003cstrongu003e1-800-266-3689u003c/strongu003e, Monday through Saturday from 8:00 AM to 9:00 PM ET. You can also write to: Comenity Bank, P.O. Box 182125, Columbus, OH 43218-2125. Have your account number and Social Security number ready when calling.
Will the Bon-Ton credit card closure hurt my credit score?
It may have a negative impact. Closing any credit account can affect your credit score by reducing your total available credit (increasing utilization ratio) and potentially lowering your average account age. However, since this was a creditor-initiated closure due to bankruptcy, it should be noted as u0022closed by creditoru0022 on your credit report, which is better than a consumer-initiated closure.
Can I get a refund for my Bon-Ton credit card annual fee?
The Bon-Ton credit card did not charge an annual fee, so this is not applicable. However, if you had any other fees charged close to the closure date, you can contact Comenity Bank at 1-800-266-3689 to inquire about potential refunds or credits.
Is the Bon-Ton brand coming back?
The Bon-Ton brand name was acquired by u003cstrongu003eBrandX.com, Inc.u003c/strongu003e in 2021 and relaunched as an online-only retailer at bonton.com. However, the original credit card program has not been revived. The new Bon-Ton website does not offer a store credit card at this time.
How can I get my old Bon-Ton credit card statements?
Contact Comenity Bank at 1-800-266-3689 and request copies of your past statements. There may be a fee for statements older than 12 months. You can also check if statements are available through your online banking portal if you saved your login credentials, though most online access has been discontinued.
What other store cards were affected by the Bon-Ton closure?
All credit cards for Bon-Ton’s family of stores were closed, including: u003cstrongu003eBergner’s, Boston Store, Carson’s, Elder-Beerman, Herberger’s, and Younkersu003c/strongu003e. All of these brands operated under The Bon-Ton Stores, Inc. and used the same Comenity Bank credit card program.
📚 Additional Resources
For more information about credit card account closures and managing your credit:
- Consumer Financial Protection Bureau (consumerfinance.gov) – Federal agency protecting consumers in financial sector
- AnnualCreditReport.com – Free credit reports from all three bureaus
- FTC Credit Resources (ftc.gov/credit) – Credit report disputes and fraud protection
Information verified November 2025. Bon-Ton Stores ceased operations in 2018. This page is maintained to help former cardholders resolve account questions.
Last Updated on February 11, 2026
URL: https://log-in.me/credit-card/bon-toncreditcard/