Review: Haband Credit Card

haband-credit-cardInternet / mail order retailer Haband offers a credit card in partnership with Comenity Capital Bank that allows you to “buy now pay later” and also get a few perks. Our overview / review of the card is below:

The first thing to know about the Haband credit card is that it can only be used for Haband purchases and not at any other stores. If you are not a regular Haband customer, you should ask yourself whether it’s worth it to open another credit line to get this card, especially considering its interest rate (which we’ll get to in a moment).

The Haband credit card does not offer a rewards program, but it does promise these benefits:

  • Welcome Kit with exclusive discounts
  • Birthday Gift Offer
  • Card Anniversary and Pre-Holiday Savings
  • Many more exclusive savings throughout the year

None of those benefits has us very excited, because there is very little in terms of specifics. Everyone gives discounts, so who knows if Haband’s discounts make the card worth it?

Now, about that interest rate. Any purchases you make with the Haband credit card come with a 27.24% interest rate attached. That’s a shockingly miserable interest rate, especially for a card that offers so little in terms of rewards or other value.

We would suggest you pass this card by. You probably already have a credit card that you can use at Haband with a better interest rate than 27.24%. If you have a bad credit history and you think the Haband credit card is more likely to accept you than other cards, you might be right, but we would suggest you first check out our sections on Unsecured Credit Cards For Bad Credit and Secured Credit Cards to see if there are better options out there.

If you are absolutely determined to get that Haband credit card, though, you can apply online via this application.

See also: Instant Approval Credit Cards, Which is the best credit card?, Haband Credit Card Payment, Login, and Customer Service Information