Minimum Credit Score Needed 
Fair
Torrid Credit Card
By:
Comenity Bank
Info about the Torrid Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Feb 4, 2020
Review: Torrid Credit Card
- Nice initial discount. You will receive 25% off your first purchase with the Torrid Credit Card, which could save you a bundle if you time things right. This isn’t the biggest first-purchase discount available from a store card but it’s still a great deal if you’re planning a Torrid shopping spree.
- Very good ongoing rewards. You will earn 1 point for each $1 that you charge to the Torrid Card, which might not sound like a lot but actually works out to 5% cash back (spending $200 earns you a $10 gift certificate). That’s already right in line with what the best store credit cards offer on an ongoing basis, and the deal’s sweetened even more by two 30%-off days each year. Those discount days could wind up being the star of the show if you shop strategically.
- Not built for financing. Store credit cards are bad for carrying a balance from month to month, thanks to their high regular APRs and the fact that any “special financing” they may offer usually includes a dangerous feature called deferred interest. The Torrid Card is no exception. It doesn’t have a reduced intro rate, and its regular APR is above even the average for store credit cards (25.44%).
- Fair credit should do the trick. As long as you have a bit of credit experience and no major negative marks on your credit report, you should be able to get approved for the Torrid Insider Credit Card. That might surprise you given the card’s impressive rewards, but store cards are known for having relatively lenient approval standards. If you’re not sure where your credit stands, you can check your latest credit score for free on WalletHub.
Feb 4, 2020
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Fingerhut Credit Account
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
29.99%
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Bad
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Torrid Credit Card's Rewards
- 25% off your first purchase. Plus, $15 Off $50 Welcome Offer included when you receive your new card.
- Earn 1 point for every dollar you spend at Torrid. $10 rewards certificate for every $200 you spend
- Reach 1,000 points and get Platinum Status.
Torrid Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 26.49% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
26.49% (V) |
| ANNUAL FEE |
None |
|---|
Torrid Credit Card's Additional Info
| MAX LATE FEE |
$40 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| GRACE PERIOD |
25 days |
| ONLINE RESPONSE |
No |
| CASH ADVANCE APR |
N/A |
| CASH ADVANCE FEE |
N/A |
| FOREIGN TRANSACTION FEE |
N/A |
| SMART CHIP |
No |
at Comenity Bank's secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Torrid Credit Card to our community.
How many sister stores does Torrid have? Can I use this card at those stores? Reply 43
WalletHub
@WalletHub
It has no sister stores, unfortunately, which means you can only use your card at Torrid and torrid.com . Best of luck!
4
Upvotes
How much is the Torrid Credit Card inactivity fee? Reply 2
Robin Dunstop
@robin_dunstop
There is no Torrid credit card inactivity fee, though they might close the card.
That being said, it'll take about two years without any activity before they consider closing the account. And even if it comes to that, you'll get a letter warning you about it ahead of time so you can make a purchase and avoid it.
2
Upvotes
What's the Torrid credit card credit score requirement? Reply 1
Cedric Rosales
@cedric_rosales
To get the Torrid, you'd need a credit score of 640 or above. It's the general rule of thumb for store cards, and this one is no different. That being said, you can't get approved on score alone: they'll look at your whole file, and pay close attention to your income.
1
Upvote
Torrid Credit Card Reviews
Share your insights and review the Torrid Credit Card.
Jan 31, 2020
I called for the payoff amount on my account in November, 2019. I paid that amount and once it cleared my bank, I called and closed my account. When I closed my account, I was never told about any extra charges, in fact, was told account was closed and I was good to go. Then I received a bill in December with interest charges only. Their IVR system said account was closed so I figured they had corrected their error. However come January, I am still getting a bill, their explanation was because I paid it off before the bank’s billing cycle which is much later than my due date I accrued interest. The interest rates are calculated at the end of THEIR billing cycle and not your due date therefore the amount quoted to you before THEIR billing cycle, whether it is their IVR system or a real person is incorrect. Which is BS. Thinking Comenity Bank had corrected their error back in Dec., I had not made a payment, then I receive a January bill with additional charges, $1 interest and $29.00 late fee for a total of $30. I called regarding these fees and after going through IVR hell, finally reached a real person who agreed that fees should be waived but he did not have that capability so transferred me to a ‘manager’ which was like talking to a brick wall! Needless to say, charges were not waived and when this amount is paid, I figure Comenity Bank will again charge interest because my due date is before THEIR billing date and I will again have a balance. DO NOT APPLY FOR THIS CHARGE CARD! Not only is interest rate way too high In this economy but their system is set up to penalize the consumer.… show more
Comment
Jan 09, 2020
I love Torrid and I’ve gone there quite often, I always have paid my card on time and never had a problem with it up until now. On the 30th of December I used it to pay for the clothes I had picked out, and typically if I use the card at the end of the month, it’ll go onto the next months payment and I’ll get an email telling me when my payment is due. Nope. For some reason it had the payment due for the 1st of January and I never got an email telling me that it was due. So they of course charged me with the late fee and still had yet to email me letting me know. It wasn’t until I went onto my account and saw that I had a payment past due that I realized what happened. I’ll bet you can imagine my face seeing that. So I call customer service, also another grueling experience with the automated voice system, and eventually get on with a representative just to tell me the best they can do is give me a $15 credit towards the bill. Because that $15 sure is going to help my credit score! I love Torrid but sure won’t be using this card anytime soon! And yes I do realize that I can check my account, but I rely on that email to remind me of upcoming payments. Won’t be making that mistake again!… show more
Dec 09, 2019
I have had this card for about a year. Never paid late and always paid more than minimum. I just received one of their "secured" notifications that they are lowering my credit limit due to a lack in mortgage and high balances on other cards. First off, none of my other cards are over $600 limit. Second, I paid cash for a $170k house and now have a fully liquidable asset. Third, it is literally 2 days from Christmas and I used my cards to buy Christmas due to the discounts associated and I did that only a day or so before the reporting cycle. Instead of waiting it out to see if I pay them off, they lowered my limit. I will no longer support a company that punishes their customers for making responsible financial decisions. I will be closing this account and do not recommend anyone use their cards or even purchase their overpriced cheaply made clothing.… show more
Dec 06, 2019
This card gets one star because it works like a credit card should in general and because it’s the lowest I can go. There are two main issues I wanted to write about:
1) There is no option for automatic monthly payments. I have requested this option several times but I had been years now. I can only assume that there is no incentive for them to add this functionality to support their customers because the late-fees are an extra revenue stream that they don’t want to lose.
2) I currently have a zero balance Becca I’m not using the card anymore after the issue with automatic payments (see above.) But there has recently been a breach of my Torrid account information by Chase Bank. I have received text messages telling me I must call about my account, and just now I received a call from a scamming call center telling me that I “only have a $45 balance and let’s just rake care of this now and set up payments.” I told them I had already double-checked my balance because of the texts I had received and it was zero.
Beware of this card!
And Do. Better. Chase Bank!!!… show more
1) There is no option for automatic monthly payments. I have requested this option several times but I had been years now. I can only assume that there is no incentive for them to add this functionality to support their customers because the late-fees are an extra revenue stream that they don’t want to lose.
2) I currently have a zero balance Becca I’m not using the card anymore after the issue with automatic payments (see above.) But there has recently been a breach of my Torrid account information by Chase Bank. I have received text messages telling me I must call about my account, and just now I received a call from a scamming call center telling me that I “only have a $45 balance and let’s just rake care of this now and set up payments.” I told them I had already double-checked my balance because of the texts I had received and it was zero.
Beware of this card!
And Do. Better. Chase Bank!!!… show more
Nov 04, 2019
I have never dealt with a worst credit card company before. This one absolutely tops it. Paid off my balance and I am unable to use my card. Have tried contacting someone about it as far as torrid customer service. And torrid Comenity bank in which their credit line is with. And all I get is an automated machine and never get to talk to anyone. They just take your money. I would not recommend a torrid credit card to anyone.… show more
Jul 04, 2019
My limit was at 500, every time I make a payment, they lower it so I only have a small amount of credit but they're still charging all the fees. I haven't missed a payment and they've lowered it to 360 from 500 and continue to lower it every single t ime I make a payment. They write to me, say they're raising it, and then lower it even more. There's no assitance available as they just keep saying what my limit is and offer no other explanation. My credit is decent, over 700.… show more
Mar 24, 2019
I have never dealt with worse customer service. I was paying for extra account assure in case something were to ever happen. Also it was supposed to come with a gift card. I never received a gift card. Then I ended up paralyzed in the hospital. I was charged $103 in late fees in the time I was in there. I contacted Comenity after to let them know the situation, to pay my minimum due (there isnt an automatic payment option so my bill obviously went past due while in the hospital. Account assure is supposed to take care of the balance due in situations like this but I was only asking for the late fees to be changed seeing as I pay for extra protection. I was told no. I sent back another message with more info and it was clear in their response that they didn't even bother to read the whole thing. This is the most disgraceful company I have ever dealt with. Save yourself, it is not worth any benefits with the store.… show more
Nov 27, 2018
Comenity Bank is impossible to deal with when late charges are a result of billing cycle or payment due date changes. This seems to happen at the whim of Comenity. I would never use a Comenity serviced credit card again. Ever.
Nov 04, 2018
I keep paying my bill in full on time and they act as though they never received a payment. They refuse to give me a confirmation number each time. I’ve only been with them for three months and they are charging me 38.00 per month. If I can’t get it paid in two years the rate of interest goes to 26%. The worst experience I’ve ever had in financing and they are dinging my credit. I’m calling an attorney tomorrow. Stay away from this company if you value your credit! [email protected]… show more
Aug 24, 2018
Torrid offers a pretty good selection in plus size apparel. Not great quality in everything. Buyers beware. Some products are paper thin that get damaged even if you hand wash! Another suggestion. Pay cash or use other credit cards. Don't rely on TORRID credit card. They will play with your credit raising and lowering it if you don't use it often! You won't be given enough notice when they plan on lowering it. You will be UNPLEASANTLY surprised at the register! Check available credit before standing in line. They will drop you hundreds in credit without previously notifying you! Safe yourself the hassle and use other type of credit or cash.... Better yet patronize establishments that DO appreciate great customers.… show more
Aug 16, 2018
This card is horrific. They issued an American card to me as a Canadian, and there is no way to pay it in Canada. Agents continue to give me false direction re paying for it, and have charged ridiculous fees. Their staff are untrained and rude, and the management is horribly poor. So yiyrslef a favour and stay away from this company. I’m not sure how they conduct business is even legal, and probably isn’t in Canada.… show more
Jul 31, 2017
So if you plan on paying your credit card balance in full expect to receive another bill from the interest that was charged on the bill that you just paid in full. Their customer service representatives are terrible. How do you get charged interest on a bill that was paid in full and paid prior to the due date. Torrid trying to get every penny.
Mar 16, 2016
The APR is only high if you don't pay your bill in full. You shouldn't be spending more than you have. You can also pay your bill in the store. I have a Lane Bryant Card through the same bank. The website has never been an issue for me. If you keep your balance low or none to carry over, it actually helps your credit score.
Jan 02, 2016
There website consistantly does not work for paying the bills. I contact the customer service and they never seem to communicate with the credit division. So even though my original payment doesn't go through due to their error, I contact the company, and make arrangements I still get a call from a very disagreeable credit associate.
I try to explain to this person and she says my checking info is wrong. I check the website to find it is not wrong. I will only pay through my own bank's bill pay.… show more
I try to explain to this person and she says my checking info is wrong. I check the website to find it is not wrong. I will only pay through my own bank's bill pay.… show more
Nov 11, 2015
Can I give a negative number of stars??? I love the store of Torrid, but their cards are thievery. I have two or three times scheduled payments on the Torrid/community and the payments don't clear but disappear. Then they charge thirty dollar late pays. oh, and don't forget that they don't take payments after five oclock (not your five oclock but their time frame or time zone of five oclock). They have many ways to do false charges. This is one card that is better left in the garbage can. Don't use it!!!… show more
Jun 29, 2015
I love the store Torrid so it was a no brainer for me to apply for one of their credit cards. However, customer service is seriously lacking. Also the APR is high and if you’re a day or two late paying your bill you get a huge late fee. I find the fees associated with this card make it not worth it!
May 18, 2015
Torrid is an amazing store! I opened this credit card actually as a gift for my fiancee. She is a bigger girl and has always had trouble finding clothing she likes that is decently priced and in style. Torrid was literally the answer to our prayers. Even their card is a good deal. The 15% discount applies to everything in the store, even the clearance, and that couldn't make her happier. In truth, this card has made us both happier as I get to see my fiancee looking good all the time now :)… show more
May 12, 2015
As someone who likes to buy gifts for people for any occasion I found this card a useful. Torrid reflects my style in the gifts I give to other people. The APR on this card is rather high, but I don’t spend more than I can pay off before my payment is due. Even if I was having financial trouble the 25 day grace period is fairly generous. The $10 reward for every $200 spent is nice and I definitely make sure to take advantage of the 30% off shopping days. My only wish is that this card was able to be used at hot topic stores as well.… show more
Jan 29, 2015
Okay, so the APR is rather high if you let a balance carry over, but if you don't, then there are no problems. I liked having this card, it allowed me to buy my girlfriend cute things when I didn't necessarily have the money at that moment, and then pay it off with the next paycheck. That's a benefit when you see something you like, and it is the last one left in the store. And just the fact that I got approved, with somewhat shaky credit wasn't all bad either. Overall, this is not a bad card if shopping at Torrid is your thing.… show more
Apr 24, 2014
The benefits are mediocre at best. Torrid emails and mails coupons every once in a while. Considering how expensive this store is, I think the rewards/discounts suck. This card is also connected to Divastyle. This is not a major credit card, it can only be used at Torrid stores and on their website, issued by Comenity. The Torrid card application listed a 24.99% APR and this is definitely high, especially for those people who procrastinate on making payments… Or can't resist spending money that they don't have. This card is a poor choice if you ever carry a balance. The Divastatus rewards gives a $10 rewards certificate per 200 points earned and that’s a 5% rebate. Aside from that, there are also specials and promotions and whatever the first purchase discount may be (which was 15% off the first purchase as I’m writing this).… show more
Feb 13, 2014
This card is okay. I like using it because it is linked with my diva style account, so I do not have to use both cards. My limit with this card it pretty high, so it's hard to resist temptation and I end up splurging a lot. The interest rate is pretty high so that is also a definite negative aspect of having this card. I love shopping with it in store though.
Nov 17, 2013
This card is just okay for me. You have the convenience of having it be attached to your diva style account and not having to use both cards, but that is legitimately the only perk to the actual card. All the perks already exist as long as you're a Divastyle member. The interest rate on the card is really high, which is typical for a store card, but still. You can be a Divastyle member and never ever need the credit line. They give you a high limit so you can hang yourself. Also standard. I would stay away from this, and any store card in general. They also send a ton of emails.… show more
Nov 13, 2013
The Torrid card is okay if you shop there often. I only signed up for the initial discount, but after that the APR is way too high. I always paid my bill in full though, so that didn't apply to me. I can see how that would irritate others. They closed down my local store, so I got rid of it. If you are responsible with your credit and shop often, then it is worth it. Otherwise just use one of the three big credit cards for purchases.… show more
Oct 17, 2013
There really wasn't much that I didn't like about the card. I like that it had a low monthly minimum amount of only $25 and they did not charge a very high interest rate at all in my opinion. I surprisingly got approved quickly for Torrid's store card albeit it was not a high amount of money that I was approved for but it was just enough for me to shop for them. I love that you can earn reward points through their credit card as well as get a discount each time you use their card to shop from them.… show more
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
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Last updated on: February 4th, 2020 at 01:58
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If you are interested in the Torrid Credit Card, check out the following credit cards as well:
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers 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.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Feb 4th, 2020 at 01:58 ET