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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
Promotional Plan Fee may apply

6 Month Special Financing*

  • Zero money down
  • $300 minimum purchase
  • No interest if paid in full within 6 months2

12 Month Special Financing*

  • Zero money down
  • $500 minimum purchase
  • No interest if paid in full within 12 months2

For the 6 and 12 month credit plans, 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.

EXCLUSIVE 
PERKS

when you use your Banter Credit Card

$25 OFF1

a purchase during your birthday month

EXCLUSIVE OFFERS

Plus even more exclusive offers throughout the year!

Apply Now

MORE WAYS 
TO PAY

*Minimum payments are required for each Credit Plan. 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. See Credit Card Agreement, as amended, for details.

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.

2Deferred 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. As of 09/2024, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $3 in any billing period in which interest is due. Promotional Plan Transaction Fee is 2% of the promotional plan purchase. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. 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, a Bread Financial™ company.

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.