You could be instantly approved for a Victoria’s Secret credit card when you apply either in-store or online. There’s also a chance you may not get an immediate decision. That’s because instant approval is not guaranteed for any credit card. Instant approval typically occurs when you exceed the card’s minimum requirements. The Victoria’s Secret credit card requires at least fair credit to have a good chance of approval. That's a 640 credit score. And other factors like your income and recent inquiries also matter.
If you do not receive an immediate decision, it could mean that Comenity Bank, the card’s issuer, will need to review the application further. In this case, you may need to provide additional information to correct or verify something on the application.
You will have to wait until the card arrives in the mail before you can charge any purchases to your new account. Victoria’s Secret does not offer temporary card numbers at this time. It could take 7 to 10 business days to receive a decision after submitting your Victoria’s Secret credit card application. If you are approved, your new card will be included with your decision letter.
It is not a card you want! I had this card and started with a 250 limit later increased to 500 then 1000 because I barely used it. Well I ended up using it and fell on hard times and they put me on a lower minimum to pay it off which was awesome but then I couldn’t use it even though the balance was lower. That was also fine but it was done without my knowledge or permission. I dealt with it because I didn’t need to use it I was just paying it. Now all said and done I pay it off and they cut my limit down to 280 again no reason no notice no nothing when calling and asking why they told me I will see the letter in the mail. When I got it it tells me because of my usage... like what!? I was paying it on time and the second I got back on my feet I paid the remaining balance in full then you cut me down... terrible company. They also did it with another card I held with them and like I said I will never again in life use this company especially cause now I have an Amex and discover.
The Victoria's Secret Credit Card reports to the three major credit bureaus (TransUnion, Experian and Equifax) on a monthly basis.
As a result, you should see it listed on your free credit report, which you can get by signing up for WalletHub.
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