Log in to your Pacific Sunwear PacSun Credit Card – from WFNNB Account

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How to Log In to Your PacSun Credit Card Account

The PacSun Credit Card, issued by Comenity Bank (Bread Financial), is no longer accepting new applications. However, existing cardholders can still access their accounts online or through the Comenity mobile app. Below you’ll find step-by-step instructions for both methods.

Online Portal Login

  1. Visit the official PacSun Credit Card login portal at d.comenity.net/pacsun
  2. Enter your User ID in the first field
  3. Enter your Password in the second field
  4. Click the “SECURE LOGIN” button
  5. Once logged in, you can view your balance, make payments, view statements, and manage your account settings

Important Note: Bookmark the official login page to avoid phishing sites. Always verify you’re on the legitimate Comenity domain (d.comenity.net/pacsun).

Mobile App Login

  1. Download the Comenity mobile app from the App Store (iOS) or Google Play Store (Android)
  2. Open the app and select “PacSun Credit Card” from the list of cards
  3. Enter your User ID and Password
  4. Enable biometric login (fingerprint or face recognition) for faster future access
  5. Access all account features including balance checks, payment scheduling, and transaction history

Mobile App Benefits: The Comenity app offers push notifications for payment reminders, statement availability, and suspicious activity alerts.


PacSun Credit Card Overview

The PacSun Credit Card is a store-branded credit card issued by Comenity Bank, which is now part of Bread Financial. This card was designed specifically for shopping at PacSun retail stores and online at pacsun.com.

Card Details

  • Card Type: Closed-loop store credit card (not Visa or Mastercard)
  • Issuer: Comenity Bank (Bread Financial)
  • Acceptance: PacSun stores and pacsun.com only
  • Current Status: No longer accepting new applications
  • Existing Cardholders: Can continue using the card and accessing account services

Important: Since this is a store card, it cannot be used at other retailers or for general purchases. It is exclusively for PacSun merchandise.


Online Account Management Features

Once logged in to your PacSun Credit Card account through the Comenity portal, you have access to a comprehensive suite of account management tools:

Payment Management

  • Make One-Time Payments: Pay your current balance or a custom amount
  • Set Up AutoPay: Schedule automatic monthly payments to avoid late fees
  • View Payment History: Track all past payments and transaction details
  • Payment Methods: Pay by bank account (ACH) or debit card

Account Information

  • View Current Balance: Check your available credit and current balance
  • Download Statements: Access current and past billing statements in PDF format
  • Transaction History: Review all purchases and payments
  • Credit Limit Information: View your current credit limit and utilization

Account Settings

  • Update Contact Information: Change your email, phone number, or mailing address
  • Manage Paperless Statements: Opt in or out of electronic statements
  • Set Up Account Alerts: Receive notifications for payment due dates, low balance, and suspicious activity
  • Change Password: Update your login credentials for security

Troubleshooting Login Issues

Having trouble accessing your PacSun Credit Card account? Here are solutions to the most common login problems:

Forgot User ID or Password

If you’ve forgotten your login credentials, follow these recovery steps:

Forgot User ID:

  1. Go to d.comenity.net/pacsun
  2. Click on “Forgot User ID” link below the login fields
  3. Enter your card number (16 digits on front of card)
  4. Enter the last 4 digits of your Social Security Number
  5. Verify your identity with your ZIP code and date of birth
  6. Your User ID will be sent to your email address on file

Forgot Password:

  1. Go to d.comenity.net/pacsun
  2. Click on “Forgot Password” link below the login fields
  3. Enter your User ID
  4. Verify your identity with the last 4 digits of your SSN and your card number
  5. Follow the prompts to create a new password
  6. Your new password must be 8-20 characters with at least one letter and one number

Account Locked or Suspended

If your account has been locked due to multiple failed login attempts or suspicious activity:

  1. Wait 30 minutes and try logging in again
  2. If still locked, call PacSun Credit Card customer service at 1-877-851-3123
  3. Have your card number and personal identification information ready
  4. The representative will verify your identity and unlock your account
  5. You may be required to reset your password for security purposes

Security Tip: If you did not attempt to log in and your account was locked, contact customer service immediately as this may indicate unauthorized access attempts.

Customer Service Contact Information

Need assistance with your PacSun Credit Card account? Here are all the ways to contact customer service:

Phone Support

  • PacSun Credit Card Customer Service: 1-877-851-3123
  • TDD/TTY (Hearing Impaired): 1-800-695-1788
  • Hours: 24 hours a day, 7 days a week

What You’ll Need When Calling:

  • Your 16-digit card number (or account number from statement)
  • Last 4 digits of your Social Security Number
  • Date of birth for identity verification
  • ZIP code associated with your account

Online Support

  • Secure Message Center: Available after logging in to your account at d.comenity.net/pacsun
  • Help Center: Visit d.comenity.net/ac/pacsun/public/help for FAQs and account assistance

Mailing Address

For written correspondence or payment by mail:

PacSun Credit Card
c/o Comenity Capital Bank
P.O. Box 183003
Columbus, OH 43218-3003

Note: Payments sent by mail may take 5-7 business days to process. For immediate posting, use the online payment portal.

PacSun Credit Card Benefits

While the PacSun Credit Card is no longer available for new applicants, existing cardholders previously enjoyed several benefits when the card was actively promoted:

Historical Card Benefits

  • Special Financing Offers: Promotional financing on larger purchases during special events
  • Exclusive Discounts: Cardholder-only sales and early access to promotions
  • Birthday Rewards: Special offers during your birthday month
  • No Annual Fee: Free to maintain the account

Current Alternative: PacSun Rewards Program

Since the PacSun Credit Card is no longer available, PacSun now offers a free loyalty rewards program to all customers:

  • Points System: Earn 125 points = $5 reward certificate
  • 2x Point Bonuses: Special earning opportunities throughout the year
  • Free Tee Program: Digital punch card – buy 4 select graphic tees, get 1 free (up to $30 value)
  • No Credit Card Required: Free to join with any purchase
  • Points Reflect Within 24 Hours: Fast reward tracking

Important Note: Points expire after 365 days of account inactivity. Points are not earned on tax, shipping, gift wrap, or gift card purchases.

Security Tips for Your PacSun Credit Card Account

Protect your PacSun Credit Card account and personal information with these essential security practices:

DO These Things

  • Use Strong Passwords: Create complex passwords with letters, numbers, and symbols
  • Enable Account Alerts: Set up notifications for all transactions and account changes
  • Bookmark the Official URL: Save d.comenity.net/pacsun to avoid phishing sites
  • Check Statements Monthly: Review all transactions for unauthorized charges
  • Use Secure Networks: Only log in via secure Wi-Fi or your mobile data
  • Log Out After Each Session: Especially on shared or public devices
  • Update Contact Info: Keep your email and phone number current for security alerts
  • Report Lost/Stolen Cards Immediately: Call customer service right away at 1-877-851-3123

DON’T Do These Things

  • Don’t Share Your Login: Never give your User ID or password to anyone
  • Don’t Click Email Links: Type the URL directly instead of clicking links in emails
  • Don’t Use Public Wi-Fi: Avoid accessing your account on unsecured networks
  • Don’t Save Passwords in Browser: Use a password manager instead for better security
  • Don’t Ignore Alerts: If you receive an alert for activity you didn’t authorize, act immediately
  • Don’t Provide Info to Unsolicited Callers: Comenity will never ask for your full SSN or password by phone
  • Don’t Write Down Passwords: Memorize them or use encrypted password storage
  • Don’t Ignore Suspicious Charges: Report any unrecognized transactions within 60 days

Phishing Warning: Comenity Bank will never send emails asking you to verify your account by clicking a link and entering your full Social Security Number, password, or card security code. If you receive such an email, do not click any links – forward it to the customer service team via the Secure Message Center.

Frequently Asked Questions

Is the PacSun Credit Card still available for new applicants?

No, the PacSun Credit Card issued by Comenity Bank is no longer accepting new applications. However, existing cardholders can continue using their cards and accessing all account management features through the Comenity portal at u003ca href=u0022#u0022 target=u0022_blanku0022 rel=u0022noopeneru0022u003ed.comenity.net/pacsunu003c/au003e.

Can I use my PacSun Credit Card at other stores?

No, the PacSun Credit Card is a closed-loop store card that can only be used for purchases at PacSun retail locations and online at pacsun.com. It is not a Visa or Mastercard and cannot be used at other retailers.

How do I make a payment on my PacSun Credit Card?

You can make payments through the online portal at u003ca href=u0022#u0022 target=u0022_blanku0022 rel=u0022noopeneru0022u003ed.comenity.net/pacsunu003c/au003e, via the Comenity mobile app, by phone at 1-877-851-3123, or by mailing a check to: PacSun Credit Card, c/o Comenity Capital Bank, P.O. Box 183003, Columbus, OH 43218-3003. Online and app payments post immediately, while mailed payments take 5-7 business days.

What should I do if I forgot my User ID or password?

Visit u003ca href=u0022#u0022 target=u0022_blanku0022 rel=u0022noopeneru0022u003ed.comenity.net/pacsunu003c/au003e and click either u0022Forgot User IDu0022 or u0022Forgot Passwordu0022 below the login fields. You’ll need to verify your identity using your card number, the last 4 digits of your Social Security Number, ZIP code, and date of birth. Your User ID will be emailed to you, or you can reset your password following the on-screen prompts.

Does the PacSun Credit Card have an annual fee?

No, the PacSun Credit Card has no annual fee. Existing cardholders can maintain their accounts at no cost. However, standard credit card fees such as late payment fees and interest charges on unpaid balances do apply.

How can I contact PacSun Credit Card customer service?

You can contact PacSun Credit Card customer service by calling u003cstrongu003e1-877-851-3123u003c/strongu003e (available 24/7) or u003cstrongu003e1-800-695-1788u003c/strongu003e for TDD/TTY service. You can also send secure messages through your online account after logging in at u003ca href=u0022#u0022 target=u0022_blanku0022 rel=u0022noopeneru0022u003ed.comenity.net/pacsunu003c/au003e.

Can I set up automatic payments for my PacSun Credit Card?

Yes, you can set up AutoPay through the online portal or mobile app. Log in to your account, navigate to payment settings, and select AutoPay. You can choose to pay the minimum payment, full balance, or a custom amount automatically each month. This helps avoid late fees and maintains your payment history.

What is the PacSun Rewards program?

The PacSun Rewards program is a free loyalty program available to all customers (no credit card required). Members earn points on purchases – every 125 points equals a $5 reward. The program also features 2x point bonuses throughout the year and a digital punch card where buying 4 select graphic tees earns you 1 free tee (up to $30 value). Points expire after 365 days of inactivity.

How do I report a lost or stolen PacSun Credit Card?

Immediately call PacSun Credit Card customer service at u003cstrongu003e1-877-851-3123u003c/strongu003e (available 24/7) to report your card as lost or stolen. A representative will deactivate your current card and issue a replacement. You will not be held responsible for unauthorized charges made after you report the card missing.

Who issues the PacSun Credit Card?

The PacSun Credit Card is issued by Comenity Bank, which is now part of Bread Financial. All account services, customer support, and payment processing are handled by Comenity Capital Bank. The card features the PacSun branding but is administered entirely by Comenity/Bread Financial.

Last Updated on February 11, 2026

URL: https://log-in.me/credit-card/pacificsunwearpacsuncreditcard-fromwfnnb/

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