What Is COMN CAP APY F1 Autopay Mean On My Card Statement?


Seeing strange codes or charges you need to help understand on your credit card or bank statement can be confusing. Terms like “COMN CAP APY F1” sound very complicated and may leave you wondering what they refer to. You’re not alone, as many people see abbreviations and fees on their statements that need clarification. But do not worry, we will explain what these common codes mean.

Banks and credit card companies do not always make things clear with all their abbreviations and acronyms. However, taking a few minutes to learn what the different letters and numbers stand for can help you track your spending and catch any errors. It will also prevent stress over mystery fees.

The Role of Comenity Capital Bank

Comenity Capital Bank works with many large stores to offer credit cards. You may see Comenity’s name on your card but not realize they provide the service. Comenity isn’t a brand you see everywhere, but it plays an important behind-the-scenes role. Many store credit cards people use every day are actually from Comenity. They help retailers let customers borrow money in their stores.

Comenity offers stores an easy way to give customers charging power. Stores partner with Comenity, who then issue custom cards for that store. These cards can only be used in one place. But they give people the flexibility to pay over time. Sometimes the cards also offer rewards at that store. Comenity handles processing all payments and making sure the cards work right. Their work means more sales for stores.

Reasons for “Comn Cap APY F1” Charge

Let’s discuss it in detail:

Store Credit Card Payment

If you have a store credit card for a place like Ulta, a “Comn Cap APY F1″ charge may mean a payment to that card. Sometimes stores make agreements with Capital Bank to handle their card payments. So even if you think you’re paying with your Ulta card, the charge could go to Capital Bank first using codes. Checking recent store purchases can tell you if one of those matches the amount charged.

Automatic Payment Authorization

Capital Bank may also be handling auto payments you set up from your bank account to a store card. If you chose to pay the minimum each month, Capital Bank would collect that payment using a coded process. The “Comn Cap APY F1” shows it coming out of your account through their system for the store card you authorized before.

Foreign Transaction Fees

If you use your store card while traveling overseas, Capital Bank may tag any foreign payments with the F1 code. That’s because different countries use different monies. There’s usually a small fee for converting amounts into your home currency. The code helps them identify charges as happening abroad for money exchange.

What to do if you see an Unfamiliar Charge?

  • Don’t panic if you see a charge you don’t know.
  • Look through receipts from the last month. You might have forgotten a purchase.
  • Ask anyone else who uses the card if they know what the charge is for. Mistakes happen.
  • If still not sure, call the company name on the charge. Explain how you want to understand the purchase.
  • Banks want happy customers. They can answer questions to clear things up.
  • Only start a dispute if still seems wrong after trying to understand it.
  • Calling disputing starts their investigation to figure out what’s wrong.

Common Comenity Capital Bank Codes

Comenity Capital Bank uses shortcodes to identify different store credit cards. Things like OH, F1, or VI are a couple of letters instead of writing out store names. Let’s discuss them in detail:

OH Code for Old Ulta Card

Comenity Capital Bank uses shortcodes to identify the store for different credit cards. One code is OH, which relates to older Ulta cards from before they changed. So if you had an Ulta credit card for a longer time, it may show an OH code on payments now instead of the store name. This lets the bank know the charge is for an older style of Ulta account.

F1 Code for New Ulta Card

Many Ulta card charges now use F1 as the code instead of OH. This F1 code represents the newer version of Ulta credit cards that Comenity Capital Bank manages today. Seeing F1 means the payment is for recent purchases made with your Ulta shopping card.

VI Code for Victoria’s Secret

Another common store code is VI, which stands for Victoria’s Secret. Any charges coded with VI on them or show a payment toward the Victoria’s Secret credit card bill. Even though it doesn’t say the store name, deciphering the two-letter code helps identify where the money went.


By learning the basics of Comn Cap APY F1, you now understand common banking terms. You also know that Comenity Capital Bank runs many store cards behind the scenes. So those codes are usually for places like Ulta, Victoria’s Secret, and others. Remembering a few simple codes like OH, F1 or VI helps you figure out which store a payment went to. 

Checking receipts or asking others about charges will solve mysteries. Now decoding your statements is easy. If anything still seems off, banks want to help – not worry you. Don’t be afraid to call them to clarify before disputing. With all this new knowledge, those baffling codes won’t bother you anymore.

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