Carter’s® Credit Card (issued by Comenity Capital Bank, part of Bread Financial) is a store credit card offering exclusive perks, rewards, and VIP+ benefits when shopping at Carter’s, OshKosh B’gosh, and related brands. Manage your account, make payments, view statements, and enroll in EasyPay or AutoPay through the secure Account Center.
Quick Pay Links:
How to Pay Your Carter’s Credit Card Bill
Login to Account Center (Recommended)
- Visit the official Account Center: https://d.comenity.net/ac/carters/public/home
- Sign in with your username and password (or register if you are a new user).
- Once logged in, view your balance, make one-time or scheduled payments, enroll in AutoPay, and manage paperless statements.
EasyPay / Quick Payment (No Full Login Required)
Use EasyPay for fast one-time payments without signing into a full account: https://d.comenity.net/easypay/carters/welcome
Enter your Carter’s Credit Card account number, ZIP code, and other required details to pay securely.
Pay by Phone
Call Customer Care at 1-877-563-5767 (available Monday–Friday during extended hours; automated options 24/7). TDD/TTY: 1-888-819-1918
Representatives can assist with payments, account questions, and payment arrangements.
In-Person / Pay in Store
You can make a cash payment at any Carter’s or OshKosh B’gosh store location (bring your statement or account information). For other payment types, use the online Account Center or mail.
Mailing Address: Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
Include your account number on the check or money order.
Mobile App
Download the Bread Financial app (available on iOS App Store and Google Play). Manage your Carter’s Credit Card account, make payments, review transactions, and access rewards — all in one convenient place.
Payment Methods and Fees
- Online / EasyPay: Bank account (ACH) or debit/credit card (confirm current options in the portal).
- AutoPay / EasyPay: Set up recurring or one-time payments to avoid late fees.
- Convenience fees may apply for certain payment methods — review details before submitting.
- Payments made online are typically processed the same day if submitted before the cutoff time.
Late Payments: Late fees may apply if payments are not received by the due date. Enroll in AutoPay or EasyPay to help ensure timely payments and protect your credit.
Contact Information
- Customer Care: 1-877-563-5767
- TDD/TTY: 1-888-819-1918
- Mailing Address: Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003
- Website: d.comenity.net/ac/carters or carters.com/creditcard
FAQs
How do I pay my Carter’s credit card bill online?
Log into the Account Center at d.comenity.net/ac/carters/public/home or use EasyPay at d.comenity.net/easypay/carters/welcome for quick payments.
Is there a guest pay option for Carter’s credit card?
Yes. EasyPay allows one-time payments without a full account login by entering your card account number and ZIP code.
What payment methods are accepted?
Bank account (ACH), debit/credit cards, and cash (in Carter’s stores). Review fees in the portal or during payment.
Can I pay my Carter’s credit card bill by phone?
Yes. Call 1-877-563-5767 for assistance with payments and account questions.
Where can I pay in person?
Make cash payments at any Carter’s or OshKosh B’gosh store location.
Is there a mobile app for Carter’s credit card payments?
Yes. Download the Bread Financial app to manage your account, make payments, and review transactions from your phone.
How can I avoid late fees?
Enroll in AutoPay or use EasyPay for recurring or one-time payments. Log in regularly to monitor your balance and due date.
Tip: Download the Bread Financial app for the easiest mobile experience. Enroll in paperless statements and AutoPay to save time and avoid missed payments. For the most current information, payment options, or assistance, visit the official Account Center at d.comenity.net/ac/carters or call Customer Care at 1-877-563-5767.