The old Wayfair cards were issued by Comenity bank. Wayfair and Comenity’s contract ended, so Comenity (the backer of the credit accounts) issued Comenity MasterCards to replace the former Wayfair Store card. Wayfair made a new deal with Citibank to back their new cards (both store and MasterCard versions). The accounts really belong to the issuing banks and not the store. This is why there …
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