Where to send your Aeropostale credit card payment
Aeropostale credit card payments go to Comenity Bank, the company that issues and manages the card on behalf of Aeropostale. You can pay online through your account, by phone, by mail, or in person at an Aeropostale store. The method you choose affects how quickly the payment posts and whether you can set it up to happen automatically.
Online payment is the fastest and most common route. Log into your Comenity Bank account at the web address or app, navigate to the payment section, and enter the amount and date. The payment typically posts within one business day. Phone payments take slightly longer — call the number on the back of your card, and the payment may take up to three business days to show in your account.
Mail payments should be sent to the address printed on your statement. These take seven to ten business days to post, so mail only if you have that much time before your due date. In-store payments at Aeropostale locations are processed immediately but are less common and may not be available at all locations.
Key Takeaways
- Aeropostale credit card payments are managed by Comenity Bank, and you can pay online, by phone, by mail, or in person at an Aeropostale store.
- Online and phone payments post within one to three business days, while mail payments take seven to ten days.
- You can set up automatic payments through your Comenity Bank account to pay a fixed amount or your full balance each month.
- Missing a payment triggers a late fee and can damage your credit score, so set a reminder if you do not use automatic payment.
- Your due date and minimum payment appear on your monthly statement and in your online account.
Setting up automatic payments
Automatic payment removes the risk of forgetting your due date. Log into your Comenity Bank account, find the autopay or recurring payment section, and choose whether to pay your full statement balance or a fixed amount each month. You can select the date the payment should post — many cardholders choose the day after they receive their paycheck.
Once autopay is active, the payment happens on your chosen date every month without you taking action. You can change the amount or pause the payment at any time through your account. If your balance drops below the amount you set, the system will pay only what you owe.
Automatic payment does not mean you can ignore your statement. Review it each month to catch fraud or billing errors, and check your account a few days after the payment date to confirm it posted correctly.
What happens if you miss a payment
A payment is considered late if it does not post by your due date. Comenity Bank charges a late fee — the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. The late fee is added to your balance and you will owe interest on it.
More importantly, a late payment is reported to the credit bureaus and stays on your credit report for seven years. Even one late payment can lower your credit score by 50 to 100 points, depending on your current score and payment history. This affects your ability to borrow money for a car, home, or other major purchase.
If you miss a payment, contact Comenity Bank as soon as you realize it. Some cardholders can negotiate to have a single late fee waived if they have a good payment history and catch the mistake quickly. The sooner you pay, the less interest accrues on the overdue balance.
Understanding your statement and due date
Your Aeropostale credit card statement shows your opening balance, all purchases and payments made during the month, your closing balance, the minimum payment due, and your due date. The due date is typically 21 to 25 days after your statement closes. Your statement closing date may differ from your due date — the closing date is when the billing period ends and your statement is generated, while the due date is when payment must post.
The minimum payment is the smallest amount you can pay without triggering a late fee. It is usually 1 to 3 percent of your balance plus any interest and fees. Paying only the minimum means you carry the rest of your balance forward and pay interest on it the following month. Paying your full statement balance avoids interest charges entirely.
You can see your current balance, available credit, and due date anytime by logging into your account or calling the number on your card. If your due date falls on a weekend or holiday, payment is due the next business day.
Payment methods compared
| Method | How to pay | Processing time | Best for |
|---|---|---|---|
| Online | Log into Comenity Bank account or app | 1 business day | Most payments; fastest option |
| Phone | Call number on back of card | 3 business days | When you prefer to speak with someone |
| Send check to address on statement | 7–10 business days | Only if you have extra time before due date | |
| In person | Pay at Aeropostale store | Immediate | Rare; availability varies by location |
Troubleshooting common payment problems
If your online payment is rejected, the most common reason is insufficient funds in your bank account or an expired debit card linked to your Comenity account. Check your bank balance and update your payment method if needed, then try again. If the problem persists, call Comenity Bank to confirm your account is in good standing.
If you paid on time but your account still shows a late fee, the payment may not have posted yet. Wait three business days after making the payment, then check your account again. If the late fee remains after that time, call Comenity Bank with proof of your payment — a confirmation number, bank statement, or screenshot — and ask them to review it. Some late fees can be reversed if the delay was caused by a processing error on their end.
If you are having trouble affording your payment, contact Comenity Bank before your due date to discuss options. Some cardholders can request a temporary hardship plan that lowers their minimum payment or extends their due date. Acting before you miss a payment protects your credit score.
Frequently Asked Questions
Can I pay my Aeropostale credit card at the store?
Some Aeropostale locations accept in-store payments, but this is not available everywhere. Call your local store or check the Aeropostale website to see if your location offers this service. Online or phone payment is more reliable and widely available.
What if I pay more than I owe?
The extra amount becomes a credit on your account and reduces your next month's balance. You can also request a refund of the overpayment by calling Comenity Bank, though this takes several business days to process.
Does paying early help my credit score?
Paying before your due date does not boost your credit score, but it does prevent late fees and interest charges. Your credit score is based on payment history, credit utilization, and other factors — paying on time is what matters, not paying early.
How do I change my due date?
Log into your Comenity Bank account and look for the due date or billing preferences section. You can usually move your due date within a certain range to match your pay schedule. Call Comenity Bank if you cannot find this option online.
What should I do if my payment was lost in the mail?
If you mailed a check and your account shows a late fee, contact Comenity Bank with the check number and mailing date. They can investigate whether the payment was received. In the future, use online or phone payment to avoid mail delays.