Q:

How do you manage your Orchard Supply Hardware credit card?

A:

Quick Answer

Orchard Supply Hardware credit cards are issued by Comenity Capital Bank and can be managed online at Comenity.net/osh or through the Prism smartphone app developed by the bank, according its website. As of January 2016, Orchard Supply Hardware credit cards cannot be used at the Orchard Supply Hardware website, notes Comenity Capital Bank.

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Full Answer

Comenity Capital Bank manages credit card programs for many retailers, and the U.S. Federal Deposit Insurance Corporation took action against the company for deceptive marketing to its credit card customers. In September 2015, Comenity settled charges that it had violated the Federal Trade Commission Act and agreed to pay a $2 million fine and refund $53 million to its customers. Refunds are scheduled to be made to affected customers in 2016, and no claims need to be filed, explains the settlement website. Detailed information about the settlement is available at ComenityRemediation.com.

Orchard Supply Hardware is a California chain of neighborhood hardware and garden supply stores that began in 1931 as a cooperative in San Jose, California. It was purchased by Sears Holdings in 1996, reports Peter Truell for the New York Times. Sears sold the company in 2012, and it was then purchased by Lowe's in 2013, states Google Finance.

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