Comenity Bank is the financial institution behind the majority retail credit cards including those offered by Victoria's Secret, J-Crew and Pottery Barn. Therefore, you become a member of Comenity Bank when you sign-up for a retail credit card issued by the financial institution, as explained on the official Comenity website.
Comenity Bank does not offer personal checking, saving or investment accounts. The financial institution issues and manages retail credit cards, which may only be used for purchases at the associated retail store, notes their official website.
Become an account holder at Comenity by applying for a credit card at a retail store backed by the financial institution. As of 2014, Comenity backs 66 different retail credit cards. Those who open an account at any of these 66 retail stores effectively become a member of Comenity bank. All payments and features are therefore distributed and maintained by Comenity, according to WalletHub.com.
If you already possess retail credit cards, you can check your statements or the back of the card itself to observe the issuing financial institution. If your card is issued by Comenity, then you can create an online profile by visiting their website. With a Comenity online account you can actively manage your credit card payments, profile settings and paperless settings, according to the official website.