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To apply for The Piercing Pagoda Credit Card an online Pagoda.com account is required. Why?

If your application is instantly approved, you will have access to your credit immediately. Your credit card account information will be saved within your Pagoda.com account and then can be used when checking out online.

When creating an account please be sure to use the same email that you will use during the application process. If you already have a Pagoda.com account be sure to use the same email address when completing the credit application.

YOU'VE GOT 
OPTIONS

Promotional Plan Options with the 
Banter Credit Card

6 Month Special Financing*

  • Zero money down
  • $300 minimum purchase
  • 0% Interest if paid in full within 6 months

12 Month Special Financing*

  • Zero money down
  • $500 minimum purchase
  • 0% Interest if paid in full within 12 months

For the 6 and 12 month credit plans, interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

EXCLUSIVE 
PERKS

when you use your Banter Credit Card

$25 OFF1

a purchase during your birthday month

$50 OFF2

a purchase every year during the month you became a cardholder

EXCLUSIVE OFFERS

Plus even more exclusive offers throughout the year!

Apply Now

MORE WAYS 
TO PAY

*Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge. As of 01/2022, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is 2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

1Must have made a purchase in the previous 12 months starting 1 month(s) prior to the cardholder's birthday. Accounts that opened in the birthday month or in the 2 months prior to your birthday will receive the offer during your birthday month the following calendar year. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received during the cardholder's birthday month. Must have valid email address and U.S. mailing address.

2Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received during the month customer opened an account, starting 1 year after open. Must have valid email address and U.S. mailing address.

PAY AS LOW AS FOR PURCHASES OVER $300

6 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 6 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.

Promotional Credit Plan Details: Deferred Interest, Payment Required plan: No Interest if paid in full within 6 months on purchases of $300 made with the Banter Credit Card. Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. **

12 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 12 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.

Promotional Credit Plan Details: Deferred Interest, Payment Required plan: No Interest if paid in full within 12 months on purchases of $750 made with the Banter Credit Card. Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. **

**All Promotional Plans:
Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge. As of 01/22, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

Credit card offers are subject to credit approval.
Banter Credit Card Accounts are issued by Comenity Capital Bank.

To apply for The Piercing Pagoda Credit Card an online Pagoda.com account is required. Why?

If your application is instantly approved, you will have access to your credit immediately. Your credit card account information will be saved within your Pagoda.com account and then can be used when checking out online.

When creating an account please be sure to use the same email that you will use during the application process. If you already have a Pagoda.com account be sure to use the same email address when completing the credit application.

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