Torrid Credit Card

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.

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.

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.

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]

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.

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.

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.

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.

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.

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!!!

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!

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 :)

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.

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.

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).

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.

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.

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.

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.