APR Note: Rates reflected above are per the Comenity website as of 1/28/2016, and reflect a Prime Rate of 3.25%. Contact Comenity to see what may have changed since that date. To apply online you must be a U.S. resident residing in the United States, have a U.S. Social Security Number, have a major credit card, have a street, rural route or APO/FPO mailing address (no P.O. Box addresses), and be 18 years of age. Returned Payment Fee: Up to $25.