Q. What payment methods does Old Pueblo Traders accept?
A. We accept VISA, MasterCard, American Express, Discover and PayPal®. You may also use the OPT Credit Card or the brand credit cards from any of the stores on this website for more shopping convenience and benefits. Click here for details about the OPT Credit Card.
Q. How do I apply for a OPT Credit Card Account?
A. Your options are:
1) Purchase at ShopOPT.com now and apply right at checkout.
2) Call 1-800-362-8410 to apply by phone or have an application mailed to you.
Q. What is Comenity Bank?
A. This is the financial institution that issues the OPT Credit Card. Comenity Bank and OPT have partnered to bring you the benefits and service you deserve, and make shopping Old Pueblo Traders even easier on you and your budget.
Q. Why do you need my social security number and date of birth?
A. Your social security number and date of birth are obtained so Comenity Bank may verify your identity and complete your application.
Q. Do I need to complete all the information requested on the application?
A. While Comenity Bank can process your application without all of the requested data, the omission of information could delay the application process and could affect the decision regarding your application.
Q. What is an "Authorized Buyer"?
A. Authorized buyers are individuals who are allowed to make purchases on your account, but are not responsible for payment of those purchases. You, as the primary account holder, will be responsible for payment on purchases made on this account.
Q. How do I know if my application has been approved?
A. When you apply online, in most cases, you will see instantly if you’ve been approved and what your credit limit is. If you are not immediately approved online, you will see a message explaining the application is under further review and that you will be contacted by mail within approximately ten (10) business days. When you apply by phone or mail, you’ll receive your new card in the mail within 2 weeks if you are approved. If you are not immediately approved, you will be notified by mail within approximately ten (10) business days.
Q. Is it safe to apply online for a credit card?
A. Old Pueblo Traders has taken measures to ensure the security of all transactions involving personal information. We require a "secure session" using Secure Socket Layer (SSL) encryption technology for all such transactions. During a secure session, data passed back and forth between your computer and our system is encrypted to prevent a third party from intercepting it. If you would like additional information on Web Security, please refer to our security page.
Q. Can I apply for a credit card if I do not have a US address?
A. You must have a permanent U.S. residence to apply. Please note, we cannot accept applications with a P.O. box address.
Q. What information can I see about my OPT Credit Card Account online?
A. As a OPT Credit Card customer, you may click here to access your account. When you choose to access your account information, you’ll be taken to the website operated by Comenity Bank, the credit card issuer. (Since it isn’t operated by Old Pueblo Traders, it will require a separate login.) You will be able to check your current account status, including: credit limit, balance, available credit, minimum payment amount and due date, past due amount, last payment amount and date posted, list of your authorized buyers and detailed statement history. You may also pay your OPT Credit Card Account bill online.
Q. Will I be able to make changes to my account online?
A. Once you log into your OPT Credit Card Account and have secured access to your information, you will be able to: make changes to your personal information, add authorized buyers to your account or request a credit limit increase.
Q. When will my online payment to Comenity Bank be withdrawn from my bank account?
A. It may take up to two business days to complete your online payment. A successful online payment will cause a debit on your checking account and a payment on your OPT Credit Card Account in the time specified when you submitted your payment.
Q. Can I schedule when I want my online payment to be withdrawn?
A. No. Comenity Bank does not currently offer the ability to schedule when a payment can be withdrawn. Once a payment is keyed on Comenity Bank’s system, it will be withdrawn from your checking account within two business days.
Q. Is there a fee to make online payments?
A. No. There is currently no fee associated with using Comenity Bank’s online payment feature.
Q. Can you send me an email reminder of when my payment is due?
A. If you access your account online at comenity.net/bedfordfair and have provided your email address to Comenity Bank, you will receive an email reminder when your statement is ready to view. The email will contain a link that allows you to securely click through and sign into your OPT Credit Card Account Center to view your statement, payment due date, and make payments.
Q. Can I set up my account to have automatic payments made each month?
A. Currently, Comenity Bank does not offer the ability to schedule regular online payments to be withdrawn from your checking account on a monthly basis.
Q. What is the Comenity Bank Credit Card Agreement?
A. The Comenity Bank Credit Card Agreement is your agreement with the OPT Credit Card issuer, Comenity Bank.
Q. What is contained within the Comenity Bank Credit Card Agreement?
A. The Comenity Bank Credit Card Agreement covers the use of your credit card account. It explains topics such as: Minimum Payment, What to do if your Card is lost or stolen, Credit Limit, Finance Charges, Other Fees and Charges, Arbitration, Billing Rights and many others. Please refer to your Comenity Bank Credit Card Agreement for more information.
Q. What are the Terms and Conditions of my OPT Credit Card account?
A. You will earn a $10 rewards certificate for every $150 you spend on your OPT Credit Card. Purchases made at Old Pueblo Traders and most of our family of brands (excluding Draper’s & Damon’s and Home Forever) count towards your rewards total – just as long as you use your OPT Credit Card as payment.
Q. How are rewards certificates sent to me?
A. Once you’ve reached at least $150 in purchases, you’ll receive your rewards certificate on your next monthly billing statement.
Q. Where do I find my rewards certificate number?
A. Look for your rewards certificate on your monthly billing statement. There is a rewards certificate number and expiration date unique to you on the front of the certificate.
Q. Do my rewards certificates expire?
A. Rewards certificates expire 90 days after issue.
Q. How long do I have to earn each rewards certificate?
A. Each purchase total is valid towards a rewards certificate for 1 year after the purchase date. So if you haven’t earned a rewards certificate within 1 year of a purchase, that particular purchase will no longer count toward a rewards certificate.
Q. How do I redeem my rewards certificate?
A. Use your rewards certificate just like a gift card to shop Old Pueblo Traders and most of our family of brands. To redeem online, enter your rewards certificate number in the reward certificate field at checkout. To redeem on the phone, call 1-800-362-8410 and provide your rewards certificate number to the customer service representative. Please note that rewards certificates cannot be redeemed on Draper’s & Damon’s or Haband purchases.
Q. Can I use a rewards certificate and a promotional code on my order?
A. Yes, rewards certificates are treated just like a gift card payment type. That means that you can combine your rewards certificate with any other promotion you have for extra savings on your order.
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