The credit score needed for the Victoria’s Secret Credit Card is 640 or higher, which is considered fair credit. Though there are some reports of applicants getting approved for the Victoria’s Secret card with credit scores lower than 640, it’s best to have at least fair credit to be on the safe side. Lots of store credit cards have similar credit score requirements for approval.
Victoria's Secret doesn't have a preset credit score requirement that's used to approve applicants. Most cardholders report getting approved for the card with a credit score in the mid-650s and higher, and that's fair credit.
You can check your credit score on WalletHub (/free-credit-score) to get a better sense of where you stand, but keep in mind that the issuer will also look at your income and debt.
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. And other factors like your income, debt and recent inquiries also matter.… read full answer
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.
The easiest unsecured card to get is the Fingerhut Credit Account. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
My highest credit score was at a 562 and my lowest was a 518. I got approved without even applying. They had set up a message to pop up when I logged into my vs account saying I was approved for the credit card. I got a $250 limit. I think they dropped their credit criteria standards down a bit to attract more shoppers. I couldn’t believe I had been approved.
I got approved 7/20/20 with a 530 credit score!!! There and express. But u have to do the shopping cart trick! Look up on YouTube. Bc if u apply for the credit card u will get denied. If u put stuff in ur cart n make a free rewards account they will pre approve u for $300 with out filling out application!
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.