What is Comn Cap Apy F1 Autopay Mean on my Card Statement?

Comn Cap Apy F1 Autopay on a credit card statement means the autopay feature is enabled and automatically pays at least the minimum amount due each month from your bank account. This helps ensure on time payments and allows you to earn any promotional interest rates offered by the card issuer. The autopay program details appear on statements for transparency.

Possible Reasons why Comn Cap Apy F1 Appears on your Statement

Here are possible reasons why Cap Apy F1 appears on your statement.

You’ve Authorized Charges Through Comenity Capital Bank

Comenity Capital Bank is one of the largest private label credit card issuers. Suppose you have a store credit card issued through them such as Amazon, Aaron’s or GameStop. In that case the Comn Cap APY F1 Autopay likely references an automatic payment setup for your card balance.

Comenity Capital Bank Breakdown:

  • Comenity: Part of the card issuer’s name
  • Cap: Short for Capital
  • Apy: Likely stands for Payment
  • F1: Indicates it’s referring to the first payment

This is simply denoting an automatic first payment that was processed through your Comenity Capital Bank issued store card.

You’ve Set Up a Store Card

Many major retailers offer their own branded store credit cards that can be used only at that store. The cards are issued and administered by third parties like Comenity Capital Bank or Synchrony Bank. Setting up the store card often involves opting into auto pay.

For example, if you have a Lane Bryant credit card the back end issuer is Comenity. The Comn Cap Apy F1 Autopay charge would correspond to the first automatic payment made against the balance of that specific store card.

It’s an Auto Payment

This charge typically refers to an automatic payment that was submitted on your behalf. By enrolling in autopay the card issuer is authorized to deduct payments directly from your linked bank account each month to pay down any balances owed.

The F1 component indicates it was the first such automatic transaction processed. If seen on a regular monthly basis it simply denotes routine autopay functioning as the cardholder requested.

Who is Comenity Capital Bank?

Comenity Capital Bank is one of the largest private-label credit card providers in the United States. Some of the major retailers whose cards they administer include:

  • Overstock
  • Wayfair
  • Childrens Place
  • Victoria’s Secret
  • Bath & Body Works
  • Shop Your Way

As a private label issuer their business model focuses on establishing co branded credit cards between merchant partners and themselves. Cardholders can use these store cards specifically at the affiliated retailer to earn rewards and build credit history.

Can I dispute the Charge?

Can I dispute the Charge

Comn Cap Apy F1 Autopay simply represents a routine payment transaction that you pre authorized. If you have a legitimate reason to dispute it such as not recognizing the charge or account, then you can contact Comenity Capital Bank customer service.

Is Comenity Capital Bank legit?

Comenity Capital Bank is a real and established financial company. They have been in business for over 50 years administering private label credit cards. Comenity is also insured by the Federal Deposit Insurance Corporation (FDIC) which protects banking customers against losses if the company fails. So you can trust that Comenity Capital Bank is a legitimate card issuer.

How can I Contact Comenity Capital Bank?

If you have any other questions about the Comn Cap Apy F1 Autopay charge or your Comenity issued card, their customer service team is available for assistance. You can find their contact information:

  • On the back of your credit card
  • On statements or correspondence
  • By phone at 1-800-522-2400

Representatives are available 24/7 to answer inquiries, check account balances, review payments and more. It’s best to call directly when you need specific assistance with an existing Comenity account.

Is Comm Cap Apy F1 anything to do with Formula One?

This charge is unrelated to the Formula One auto racing series. The F1 in this context simply refers to it being the first automatic payment processed against the cardholder’s account, not the prestigious motor racing championship. So racing fans can rest assured this banking transaction has nothing to do with speedways or grand prix events.

Frequently Asked Questions

Comn Cap stands for Commission Cap. It refers to the maximum amount of interest charges that can be applied to your balance in a billing cycle.

APY stands for Annual Percentage Yield. It is a calculation that reflects the annual interest rate including compound interest earned on your balances over 12 months.

F1 typically refers to the interest rate tier or pricing level for your credit card account. Credit cards often have multiple interest rate tiers that apply depending on factors like your payment history and credit profile.

Autopay refers to the automatic payment feature on your credit card account.


Comn Cap Apy F1 Autopay typically just denotes a routine automatic payment that was deducted from a Comenity Capital Bank issued private label or store credit card as part of an autopay enrollment.

It’s very common terminology for the financial institution. Unless there are extenuating circumstances there is no cause for alarm from seeing this charge. Comenity Capital Bank is a legitimate company and this can simply be disregarded as business as usual.

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