Where to send your Aéropostale credit card payment

Aéropostale issues its credit card through Comenity Bank, so your payment goes to Comenity, not directly to Aéropostale. You have three main ways to pay: online through your Comenity account, by phone, or by mail. The online method is fastest and shows up in your account within one business day. Phone and mail payments take longer — typically three to five business days — so plan ahead if your due date is coming up.

To pay online, log into your Comenity account at the Comenity website or through the Comenity mobile app. You'll enter your payment amount and choose your payment date. If you don't have an online account yet, you can set one up using your card number and Social Security number. Once you're logged in, you can also see your balance, due date, and transaction history in one place.

Key Takeaways

  • Your Aéropostale card is issued by Comenity Bank, so payments go to Comenity, not to Aéropostale stores.
  • Online payment through Comenity's website or app is the fastest method and typically posts within one business day.
  • You can also pay by phone at the customer service number on the back of your card, or by mailing a check to the address shown on your statement.
  • Setting up automatic payments through your Comenity account helps you avoid late fees by ensuring your minimum payment is made on time each month.

Paying by phone or mail

If you prefer not to pay online, call the customer service number printed on the back of your Aéropostale credit card. A representative will take your payment information over the phone. Have your card number and bank account details (for an ACH transfer) or credit card number (if paying with another card) ready. Phone payments are processed the same business day you call, but they may not show in your account until the next day.

To pay by mail, write a check and send it to the address listed on your monthly statement. Include your account number on the check so Comenity can match it to your account. Mail payments typically take five to seven business days to arrive and post, so send your check at least a week before your due date if you want to avoid a late fee.

Setting up automatic payments

Automatic payments remove the risk of forgetting your due date. Log into your Comenity account online, go to the payments section, and choose "Set Up Automatic Payments." You can schedule a payment for a fixed date each month (like the 15th) or on your statement due date. Comenity will deduct the amount you choose from your bank account on that date.

You have three options for how much to pay automatically: your full statement balance, your minimum payment, or a fixed amount you decide. Many people choose to pay the full balance each month to avoid interest charges. You can change or cancel automatic payments anytime through your online account, and you'll receive a confirmation email each time a payment is processed.

Understanding your due date and late fees

Your due date appears on your monthly statement and is typically 21 to 25 days after your statement closes. If you pay after that date, Comenity charges a late fee — the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. Paying even one day late can also trigger a higher interest rate on your balance going forward.

If you're running short on time before your due date, paying online is your fastest option. A payment made before midnight on your due date counts as on-time, even if it doesn't show in your account until the next day. If you do miss a due date, contact Comenity as soon as possible — some issuers will waive a single late fee if you call and ask, especially if it's your first missed payment.

What to do if you can't pay the full balance

You're not required to pay your full statement balance each month — you can pay just the minimum amount due. However, any balance you don't pay will be charged interest at your card's annual percentage rate (APR). This means the longer you carry a balance, the more you'll pay in interest on top of what you originally charged.

If you're struggling to pay, contact Comenity before your due date. They may be able to discuss a payment plan or hardship options with you. Paying something on time is always better than paying nothing late, because a late payment damages your credit history and triggers fees and rate increases.

Troubleshooting payment problems

If your payment doesn't show up in your account within the expected timeframe, log into your Comenity account and check the payment status. Online and phone payments usually display as "pending" for one business day before they post. If more than two business days have passed and your payment still shows as pending, or if you don't see it at all, call the customer service number on your card.

If you're having trouble logging into your Comenity account, use the "Forgot Password" link on the login page to reset it. If you've never set up an online account, you'll need your card number, Social Security number, and date of birth to register. If you still can't access your account after trying these steps, call Comenity's customer service line — the number is on your statement or the back of your card.

Frequently Asked Questions

Can I pay my Aéropostale card at an Aéropostale store?

No. Aéropostale stores do not accept credit card payments. You must pay through Comenity Bank using one of the three methods: online, by phone, or by mail. Paying in a store will not be recorded as a payment on your account.

Is there a fee to pay my Aéropostale credit card?

No. Comenity does not charge a fee for making a payment, regardless of which method you use. However, if you pay late, you will be charged a late fee as described in your card agreement.

How do I know if my payment was received?

Log into your Comenity account online and check your payment history. You should see your payment listed with the date it was processed. You can also call customer service at the number on your card or statement to confirm a payment was received.

What happens if I pay more than my balance?

If you overpay, Comenity will hold the extra amount as a credit on your account. You can use this credit toward your next statement balance, or you can request a refund by calling customer service.

Can I change my due date?

Yes. Log into your Comenity account and look for the option to change your due date, or call customer service. Comenity typically allows you to move your due date to a different day of the month to match your pay schedule or budget.