Creditor Information / Comenity Bank
| Telephone | 866-705-3395- see notes below |
| Payment Percentage of balance | 3% |
| Payment Minimum Amount | $10.00 |
| Charge Free Period | N/A |
| Acct Required to be Open | N/A |
| CSP/Hardship programs | No |
| DMP Interest Rate | 10% |
| Waive late fees | Yes |
| Waive over limit fees | Yes |
| DMP benefits begin | Upon proposal acceptance |
| Re-Age | Yes, automatically after third accepted DMP payment, if eligible |
| Restructure | Yes. Call creditor first to inform of forthcoming request. Fax hardship proposal for 3% of current balance to 614-729-5782 |
| Recall | No |
| Due Date Changes | No |
| Charge Off Period | 120 Days |
| Drop Policy | 3 consecutive missed payments or Charge Off |
| Internal hardship/ Promotion Policy | Accts already on internal plans are not eligible for DMP until they expire. Send new proposal once it has been removed. |
| Misc. Information | Phone numbers vary by product. Other numbers are:; 866-272-8955 866-807-9842; 866-231-0071; 800-395-3789; 866-231-0065; 866-234-2036; 866-248-4493 |