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Victoria's Secret Credit Card
By:
Comenity Bank
Info about the Victoria's Secret Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
March 25, 2021
Review: Victoria's Secret Credit Card
- Points equal 4% “cash” back. You will generally earn 1 point for every $1 you charge to the Victoria’s Secret Credit Card, which is pretty much the market average for a rewards card. But while most credit card points are worth about a penny apiece, the Victoria’s Secret Card gives you quadruple the value. Every 250 points that you earn gets you a $10 credit. That’s obviously not true cash back, but it might as well be if you regularly shop at Victoria’s Secret.
- Fees aren’t a concern, but interest is. The Victoria’s Secret Card does not charge an annual fee, so you won’t feel any pressure to get your money’s worth. You should, however, make sure to pay your bill every month. Because Victoria is hiding a Secret in her card terms, and it’s a lofty APR. For context, the average credit card for fair credit charges 23.13%.
- At least someone will give you a birthday gift. You will receive a $10 credit each year on your birthday. That’s certainly a nice gesture. You just need to make sure this modest gift doesn’t lead you to spend more at Victoria’s Secret than you would otherwise.
- Not a bad way to build credit. You only need “fair” credit to qualify for the Victoria’s Secret Credit Card, which means it could help you establish credit history or perhaps continue rebuilding from previous mistakes. If you don’t know your credit score, you can check it for free on WalletHub.
- Solid reviews. It’s always good to see what fellow consumers have to say about a product, so make sure to read some of the following Victoria’s Secret Credit Card reviews before submitting an application. For what it’s worth, the card has an average rating of 3.9/5 by WalletHub users.
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
March 25, 2021
Victoria's Secret Credit Card's Rewards
- Take $15 off when you open the card and make an online purchase.
- Earn 1 point with every $1 you spend. Get a $10 reward for every 250 points earned.
- Triple point on bra purchases.
- Spend $250 in a year to upgrade to Silver status and $500 in a year to upgrade to Gold status.
- A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.
- Free Shipping on purchases of $50 or more. Check code on website.
Victoria's Secret Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 24.99% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
24.99% (V) |
| ANNUAL FEE
|
$0 |
|---|
Victoria's Secret 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
|
Yes, unknown |
- Last updated on 3/25/2021
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 Victoria's Secret Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Does the Victoria's Secret Credit Card report to all bureaus? Reply 1010
WalletHub
@WalletHub
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.
10
Upvotes
How do I get a Victoria's Secret Credit Card credit limit increase? Reply 2
Linda Nugent
@linda_nugent
You can get a Victoria’s Secret Credit Card credit limit increase by requesting it online or by calling (800) 695-9478.
Your credit limit may also be automatically increased 6 to 9 months after opening your account. You can improve the chances of this happening by always paying your bills in full, before their due date. A higher income or credit score than when you were approved for the card could also help.
Don’t forget that requesting a Victoria’s Secret Credit Card credit limit increase could result in a hard inquiry on your credit report. This may negatively affect your credit score, but only for a little while.
2
Upvotes
How much do I have to spend every month with my Victoria's Secret Credit Card? Reply 9673
WalletHub
@WalletHub
The Victoria's Secret Credit Card doesn’t have any sort of monthly spending requirement or account inactivity fee.
So if you were to lock your card in a drawer without making a single purchase, you wouldn’t be charged a thing. The same would be true if you made some purchases, paid for them in full by the due date and then didn’t use your card for a few months after that. Of course, if you didn’t pay the full amount owed by the due date and thus carried a balance into the next month, you would be assessed interest on that unpaid amount, regardless of whether you make any new purchases thereafter.
Please take into account though that you will lose any points you've accumulated after 12 months of inactivity.
96
Upvotes
Will my Victoria's Secret Credit Card be closed due to inactivity? Reply 4853
WalletHub
@WalletHub
Your Victoria's Secret Credit card can be closed due to inactivity.
Every company has its own policy but judging from what cardholders report, you should not worry too much about them closing the card if you use it at least once every 12 months. One thing to keep in mind is that if you don’t use your card for 12 consecutive months, you will lose any points you have accumulated.
48
Upvotes
Does the Victoria's Secret Credit Card do a hard pull? Reply 4331
WalletHub
@WalletHub
Yes, the Victoria's Secret Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the Victoria's Secret Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.
43
Upvotes
What credit bureau does Victoria's Secret Credit card use for approval? Reply 3736
WalletHub
@WalletHub
The issuer, Comenity Bank, typically pulls reports from all three bureaus when evaluating new Victoria's Secret Credit Card applications.
The Victoria's Secret Credit Card reports to the three major credit bureaus (TransUnion, Experian, and Equifax) on a monthly basis.
37
Upvotes
I'm new to the VS credit card. I received my first statement and I am going to pay it off before the due date. But I was wondering if I buy an item after I receive my statement, does that charge go toward the statement I just got or will it be on next months statement? Reply 3335
Margie Cole
@margie.cole.521
Since your first statement has already been issued, any purchases you made after receiving it will show up on the next month’s bill. The dates of your billing cycle should be noted on your bill.
33
Upvotes
How long does it take to get my Victoria's Secret Credit Card statement? Reply 2622
WalletHub
@WalletHub
It takes about 30 days to get your Victoria's Secret Credit Card statement in the mail.
Billing cycles are 30 days, but it may take a bit longer than that for your first paper statement to arrive.
However, you can always view your current balance and make payments online. You can also contact the Victoria's Secret Credit Card Customer Care department at 800-695-9478.
26
Upvotes
How to get a temporary card until mine comes in? Reply 2426
WalletHub
@WalletHub
Unfortunately you can’t get a temporary card, but if you’re shopping in a store you can ask an associate to look up your account using your driver’s license. Hope this helps. Best of luck!
24
Upvotes
How long after you make a purchase with the card do you have to pay off your balance? Without getting late fees or interest and not counting the 25 day grace period Reply 2122
WalletHub
@WalletHub
You will receive a billing statement that will include all the transactions made in a specific period of time and you will need to pay it by the due date that will be specified on that statement.
21
Upvotes
Victoria's Secret Credit Card Reviews
Share your insights and review the Victoria's Secret Credit Card.
Jun 12, 2020
That’s very bad credit card or customer service, these people are not helping their clients in these difficult times with the pandemic, on the contrary they are charging everything they can, That’s very bad credit card or customer service.
Comment
Jun 04, 2020
Cancelled less than a year later. Was great at first, they approved me for 500 limit with fair credit, than gave an increase to 700 after a few months and my credit going from fair to good, But they changed interest rates, late fees (which I never got) and minimum payment after 2 weeks. During the pandemic I had to use some other cards for the month so my score dropped back into fair. I paid them all off the next month but received a notice saying they dropped my limit down to 100! Because my score went down 16 points the month before, ummm what?? I never missed a payment, paid my entire balance and when I got the notice my score had gone up 40 points by then. Their loss of a good customer. But I can’t believe they wouldn’t even wait an extra month to see how your score changed after an economic crash. And lowered my limit by $600 when my score drop was still HIGHER than what I originally applied with. Ridiculous.… show more
May 14, 2020
Verified Customer
Will never ever apply or even visit a VSecret i got a credit card almost 5 years ago and qent theu a divorce and out of the 5 yrs i was late 1 time well my credit dropped due to my divorce and have been trying to fix it since well vs dropped me down to 100.00 limit and i always paid it off well may 1st they closed my account and put on my credit closed account due to crwdit and yet in 5 yrs i was late 1 time i will never use them again they are the Worst card ever and care only about their company not the people.… show more
Apr 14, 2020
Verified Customer
Worst ever!!!!! Called to pay off my balance 2 days after my due date. Lady said I was paid in full. I didn’t use the card from that day forward. Months later I get a call stating I have a $265 balance—-all late fee charges. I tried to dispute and they said they are unwilling to even meet me half way. Tried to just cancel and pay the late fee balance and they were so rude about it. No serious perks. Just buy your bras and panties out right or on sale and save yourself some serious issues. Fenty bras are better anyways!!!!!!… show more
Feb 07, 2020
I got a new card in the mail that I needed to activate. Called the number and got a high pressure sales pitch about signing up for Account Assure. I kept saying I didn't need it and she kept pushing and acted like she was signing me up anyway. Finally I said, lady I don't buy that much lingerie that I need Account Assure and she finally let it go. I am cancelling the card because of this.… show more
Jan 16, 2020
That’s very bad credit card or customer service. One day I find out i have a $247...from i don’t know. I called them and that lady just keep jumping on me while i tried to ask how. So finally I paid and closed that card.
Jan 06, 2020
They never sent me a card. I went to the store and asked for it 3 times. Waited in the mail and never got it. Due to no card, i couldnt pay my bills on time. The late fees kept adding on and i ended up having a bad credit score due to it
07/07/20
You can pay ypur bill without having the actual card. They have apps and give you a temporary card with your card number on it. I have used and paid in my card 3 times since i applied and i just got my card yesterday.
Dec 16, 2019
Closed the account that was paid in full because of a credit report they didn't like. I'm getting my score up and I'm paying off things 1 @a time and they didn't like to see that I guess, never mind they have been paid in full since August
07/07/20
Consumer card will do that if there is no balance or no movement on the card for a while. Walmart lowered my limit because i waited on a card for 3 months. They kept saying it was sent but i never got it.
Dec 10, 2019
Verified Customer
I went online to pay my account balance which was around $68. Payment went through and yet I checked my credit score a few weeks later and my account balance was now $101 which was $68 + a late fee. When I call customer service they have an automated system that makes it nearly impossible to reach anyone. It took 20 minutes for me to just reach merchandising for them to act annoyed and finally transfer me to the department I needed. The lady then tells me my payment was received however it was one day late. So instead of reporting my $68 payment to my credit report they tagged on a late fee and reported my balance at $101 Instead of $33 which was my actual account balance at that point dropping my score. I just find that odd mainly because I paid directly through their account website and there was no late fee added on then. They also never sent my account balance so had I not called when I did I would have been charged ANOTHER late fee thinking my account was up to date. These people are scammers!… show more
Dec 03, 2019
Straight up... the worst mistake ever. I never meant to get this card, I gave into pressure. The lady was rude and there was a line behind me and I was just like whatever. I thought I was just getting like a loyalty thing until she asked all these questions. She verified my address. Then the card got sent to an old address. Which was great how was I supposed to know? Had a super late payment and that’s where my credit got screwed. After it got sorted, I tried to make a payment online but it didn’t connect to my account number. I had no idea. So again, another late payment. After figuring that out.... well... it’s gonna take years to fix my credit. So every now and again I’ll try to build it up by buying from Victoria’s Secret. Which honestly. I’m over them. My recent purchase has just been sketchy. My availability has subtracted my orders total. But I can’t make a payment. You have less than 24 hours to make a payment. The best part is. I can’t... get in touch... with a HUMAN. Meanwhile I’ll just waste my breath as my credit continues to crumble for these overpriced panties that I never really wanted in the first place. DO NOT MAKE THE MISTAKE TO GET THIS. Worst customer service ever. And this is my first review.(:… show more
Dec 01, 2019
This is a terrible card, they charge you unfairly constantly. I was late a little bit for payment and they right of way effected my credit score. I paid twice more $ and asked them to remove my late fees from my credit score - they rejected and STILL charging interest fees. Never open this card again. They are liars.
Nov 26, 2019
I disagree with how just close the account without any warning but yet you send message that its closed. Unaware that possible now I have to reapply run credit again bring score down just reapply just great! Notice would of been nice try use my card and was not able thanks for heads up. Send messages for everything else but had I known would use it.
Oct 11, 2019
They are worthless. Zero customer service. They prefer to cancel your card if you miss payment by 2 hours. They profit on late payment fees. No one should shop there! I am a faithful customer, been with them for over five years and don't miss payments and i missed one by couple ours and i get penalized for it. Was on the phone with customer service for over 30 minutes and they still didn't waive my late fee! I would give them less than a star if there's that option!… show more
10/16/19
Same here! I've had numerous cards over the years, and this is the first one I've ever had a problem with. Not only once but twice in a row they claimed my payments were late! It made me so angry yesterday that I canceled it!
Sep 14, 2019
I liked the points system which adds to discounts, but wasn’t satisfied with their late fee rules . They charge you a late fee for payment made on the due date if it’s past 8:00 pm. Their Interest rate is a little higher than others .
Jun 13, 2019
this card is really awful. while the benefit might be attractive but the online account is super not user friendly without auto-payment option so you literally have to remember to login to the website every month to pay your balance. If you forget to do that for any month the late fee will be waiting for you in the next statement. What's more, there is no grace period or forgiveness for anything even if you call their customer care. Been a cardholder for 3 year and just got charged for $30 late fee because I pick the wrong date of payment that is 2 days past the due. I am cancelling my card today.… show more
May 19, 2019
Do not sign up for this card! You will be penalized for their mistakes! I just got a call informing me that I was 2 months past due. I didn't remember ever seeing a statement or the card I signed up for, but I gave them the benefit of the doubt (my mistake). They offered to remove one of the late fees so I paid it. They I spoke to customer service to cancel the card and when I went over my information with them I found out that they had the wrong address (they had "court" instead of "street"). So that means my statements and my new card got delivered to someone else. Their fault, right? Apparently not, the customer service supervisor advised me that it was MY responsibility to notice that the statements weren't coming in and I had to call them to find out why. They wouldn't reverse the other late fee. She also had the nerve to tell me she was doing me a favor by erasing the late payment on my credit report!!! So basically I had to pay a late fee for a card that I signed up for to get the discount in the store which I had to pay a late fee because Victoria Secret got my address wrong (so much for my discount). It makes me wonder... It seems convenient that an error on their part made them money in late fees. I wonder how often the "accidentally" get the address wrong.… show more
Apr 22, 2019
I do t like the way they do customer service. It seem like a lot of “clients” cheating on them so everything is client fault! I own them a few cent because I miss read the payment amount , assuming I paid off. Went to delivery my 1st beautiful baby and happy to be a busy mom then found out I got charged late fee27$ then 28$ bla bla ... and they refuse to void the late fee for me. Even though you can say it is client fault to not pay them a few cents.. but com on, what kind of a big company make rich and more rich by charge clients late fee?? I purchased few grands a year with them . Then I paid all late fee and canceled my card. And have been go around to tell my story so ppl cam aware. I even go to the tv show and share about my bad shopping experience so others can be aware of...… show more
Jan 30, 2019
I wouldn't even give this one star. I applied for this card years ago. I made a couple purchases to build my credit and haven't used the card in over a year. I've been paying twice my monthly payment to get my balance lower and my credit limit was $1250. I logged into my account and saw that my new credit limit is now $500!! I called and they said when they report to the credit bureau they receive an update on the customers current status and will lower or decline the limit if they feel they are at risk. So what they're telling me is they don't even review if you've been a good customer and paid on time. They go by what the credit bureau reports. I've had my credit stolen amongst other things that have caused hell. The entire reason I got this card was to help my credit and keep my credit usage low. Now it looks like I've maxed out my card. I'm closing my account and will never shop at Victoria Secret again. This is unfair, deceiving, and a terrible way to treat valued customers.… show more
Jan 27, 2019
My credit limit was decreased over $900.00 down to the minuscule amount of $100.00! Pretty embarrassing when I go to make a purchase and I hadn’t been notified of the decrease beforehand. I’ve spent hundreds of dollars at Victoria’s Secret over the last 3 years using this card! If I’d add up the revenue collected (interest, fees, account assure subscription, etc) just on my purchases alone, you’d think they would reconsider if this is the type of appreciation I should receive! Very unsatisfied!… show more
Jan 11, 2019
These people are PREDATORS. they will rack up 3,800$ in fees on a card with a about $200.00 worth of purchases, and a$300 credit limit, with no interest in settling for less than %90 of the due balance. Stay away
Nov 30, 2018
I was initial happy with the card but of not used often and if you use your other cards more than there’s they will drop your credit line in a heartbeat. I was I. The FL area during the big hurricanes and we got stuck and had to stay in a hotel for a week and a half. So of course my utilization increased a bit. And next thing I known I get a letter telling me they dropped the limit. I called and they weren’t even concern with why it went up or the story behind it.… show more
Nov 15, 2018
Won’t give me a CLI after about a year! 150$ limit while my other cards are all around 1,500$. Credit is ~640. Every time I want to shop there I have to make sure i don’t go over 150$ which is ridiculous. My utilization ends up really high and they only report to credit bureaus once a month. So if I happened to shop and spend 100$ now my utilization is high for the next month until they report it. Doesn’t matter if I pay it right after, depends when they report it. Then It stays there, messing with my credit, with this 150$ limit of over a year.… show more
01/15/19
Pay right away if you're worried about utilization. They report once a month when your bill cycles which is usually 5 days after your due date.
Oct 15, 2018
Worst card ever!!!! horrible horrible service by customer service.. I was 2 days late paying $18.72 they added a late fee, refused to let me use the one time late fee waiver and kept doubling up and increasing late fees despite the numerous amount of times I've called to dispute and settle the first late fee. The bill has now amounted to over $200 and they are demanding that i pay the amount or they will take me to collections. If this isn't robbery i don't know what is!… show more
04/22/19
Happens the same
To me. I owed only a few cents because I miss-type the amount when pay online. Assuming I paid off. Very bad customer service
To me. I owed only a few cents because I miss-type the amount when pay online. Assuming I paid off. Very bad customer service
Sep 23, 2018
The worst credit card EVER!!! My payments have been made on time and some how since July, they seem to have a new reason to add a late fee to my account!!! VS doesn't care about their customers, it's all about the money!!!
Sep 20, 2018
In August I finished paying my card off, that includes the 4 late fees they charged me with after I had already submitted my payment. So for the month of September I wasn’t charged, I checked at least 5 times and it said i owed nothing. So today I got an email saying that I owe $32.00 on October 13. Which makes no sense to me. So now I’m trying to figure this out and I am 65%positive I’ll have to pay it because Victoria secret is a scam. Over all I spent 40$ on actual products from them, but I paid around $200 I’m all on the late fees. Not saying this is a horrible card just saying the card is completely horrible, just watch your bank statements very very closely and save the money in your account. Until it’s taken out.… show more
Sep 19, 2018
just like everyone says they slap you with late fees even when your payment was made on time, and just random 3 and 4$ finance charges, in between purchased, when there's no purchases made. How are you charging me for doing nothing?! I know which card I won't be using after I pay it off this month.. We spend enough on their products to not be getting raped for using our cards.
09/20/18
Literally the same thing has happened to me the late fees are ridiculous especially when I pay on time. Last month I payed my card off this month on the 13th I owed 0 so I was charged 0. Now I get an email saying I owe $32. When I haven’t used the card! I’m somad
Sep 17, 2018
In 2018 this is the only company that I deal with who doesn't offer automatic debits from your bank account each month. I have held an account with them for 10 years and they would not refund a late fee because I had a late fee refunded 12 months ago. I have multiple credit cards with multiple banks and this is the only one that doesn't offer automatic payment options.
Sep 10, 2018
DO NOT SIGN UP FOR THIS CARD.
I have closed my account over the phone twice now and I’m still receiving bills. I paid the exact amount due and it was sent back. It’s so hard to reach the company that it feels like a scam. My credit went down tremendously after I signed up for this card. I have called customer service and I’m not even given the option to talk to a real person. This is the biggest joke I’ve ever experienced with a credit company.… show more
I have closed my account over the phone twice now and I’m still receiving bills. I paid the exact amount due and it was sent back. It’s so hard to reach the company that it feels like a scam. My credit went down tremendously after I signed up for this card. I have called customer service and I’m not even given the option to talk to a real person. This is the biggest joke I’ve ever experienced with a credit company.… show more
Jul 17, 2018
Unclear billing practices. They charge late fees after the payment was made. A late fee on top of a late fee that i was not aware of. I called to make a payment at which point i believed all was cleared. However the next month i receive a statement with late fee plus interest, which i though was a mistake. When i had time to call i'm billed for $58 for 2 late fees, because i missed paying the first late fee, within a very short cycle with no grace period. Long story short they waived one late fee, and i ended up paying one $28 late fee. So much trouble and double the amount for the original $30 of items that i purchased for. NOT Worth IT.… show more
Jun 20, 2018
I wish I could give them zero stars. Comenity Bank, that issues the VS card, is absolutely horrible! I've had my card for 3 years. My credit limit was $6,000. My balance was around $800. I got a letter in the mail saying they lowered my credit limit to $1000! I was told it was because of info in my credit report. I check my credit monthly and knew there was nothing in my credit report to warrant that. So, I made a $500 payment to lower my balance because what they did would cause my credit score to drop since it would really raise my credit card utilization. The day after I made that large payment, they closed my account! When I called to ask why, they said it was because I had 3 new inquires on my credit report. I just bought a new car and the dealership sent my application to 3 lenders to get me the best rate! I made my payment on time with them every single month for 3 years and this is how they treat me. Worst company I've ever dealt with. Consumer beware! Do not make the mistake of getting any credit cards with Comenity!!!… show more
Jun 01, 2018
My credit limit was decreased to 200 with no notice or reason provided. I called customer service, the rep was confused as he could see I had no missed payments which is typically what makes them decrease your credit limit. I was told I should receive a letter in the mail, I checked the mail while on hold and found a letter from them which states my credit limit will remain at 370. I asked the rep how are they showing a credit limit lower that’s in the letter they themselves told me to watch out for. I was told I have to write and mail a letter, no one there can answer that. Right because writing and mailing a letter and having to wait to receive a response is so convenient while they just dumped your credit score. So frustrating, will be reporting to the BBB… show more
06/02/18
Have you had any luck fixing this? I just received a notification today that my limit was decreased from $2600 to $900. I've never missed a payment. This is going to really hurt my credit score.
May 27, 2018
With strategic spending, this card can net you some decent bonuses like free beauty stuff, sweet discounts and of course free undies. With triple points even on clearance bras and frequently 5x points on bras the store is trying to move quickly, you can very reach Angel Forever status fast. VIP Angel and Forever Angel status brings those nice $15 coupons often. Pay your statement balance in full each month to avoid interest and you\'ll likely be rewarded with a nice CLI at about month #6. I gave it three stars for a few reasons- 1) because you earn 0 points at Bath & Body Works even though the card can be used there 2) many of the VS or PINK coupons they mail you are often restrictive, meaning they can\'t be used with special offers online, or other deep discount coupons (20% or more). Many can\'t be stacked online so be mindful of that. In store however, you have a bit more flexibility so it\'s worth a try if you find you can\'t use one online. Lastly 3) The quality of Victoria\'s Secret merchandise has changed dramatically over the years and the stores are usually a mess and low or out of stock of many products. Let\'s hope they turn it around soon so you can get the most out of this card.… show more
Apr 02, 2018
Worst credit card ever. Decrease you credit limit with no reason, no letter, no call, nothing. Customer service very rude and impolite. Couldn\'t get any reason of credit limit decrease, which ruined my credit score with 80 points.
Mar 20, 2018
If I could rate zero, I would. I have had a VS card for over 10 years, back when this card was through another bank (National City or Citi bank) cant remember exactly. However, I never had issues until recently. Since the change over to the new bank. Comenity are some money hungry thieves. I paid my balance in full in February, like 2 days late yes. But I didn’t see any late charges just the minimum purchase balance which I paid in full. That is the last time I logged in because I thought I paid my balance in full. The last statement was for January, and have not received any statements or communication since my January statement. Then all of a sudden today I get and email with statement notification saying I owe $50+. I thought someone was using my card and charged that amount since I have not used my card since December!! I don’t use it that often. When I logged on, I saw charges for finance charges and rediculous late fees for a balance that I paid in full last month. I called the bank and of course when I informed them that I am not paying the late fees because I paid my balance and plus I had not received a statement since January.... they transferred me to 2-3 people which I had to explain my problem over and over. Needless to say they claim I paid late... i was like how can you charge a late fee on top of a late fee?? Not to mention when I paid my balance off, there was no late fees. She said it takes a few days to add on late fees, and I said that is not my problem.. im not paying the rediculous fees. Because I kept arguing, they still only charged me $10 which I paid and then closed my credit card account. It is sad... i love VS but I don’t like the money making scheme of this new credit card bank. I will miss the rewards but those haven’t been sent like they should with the new bank, they skipped my birthday the last couple years. Anyway I will be paying cash from now on. I wish VS had a rewards program like many stores, that aren’t credit card related. Don’t get this card... they just want your money. I think they tack on fees for those people who don’t use their card often, just to make money on us. Unfortunately Maurices credit card is also with this same bank. At least Maurices has a separate rewards program. Bye bye store credit cards! It’s cheaper to pay in cash.… show more
Aug 18, 2017
Consumer BEWARE!! Would have given zero starts but cannot! I haven't seen predatory lending like this in a long time. Small balance paid in the store. Received a late charge but they would not take it off over the phone. Went in the store again to pay entire balance, although I disagreed I owed anything at all since I paid the day it was due in the store but they did not "process it the same day" like I had control over that. Paid the balance a week before it was due, and called and closed the account. Now I get a new bill for $1! Called and they said the account was closed but they interest was still accruing before I paid the balance in full. So I still owe although I paid the balance in full. They will get my $1.01 payment and have to refund the penny! I will never shop here again either. This is the racket the credit cards run if you ever take cash from a card. I did that once 20 years ago and never again. Lesson learned for Victoria Secret/Pink too!!!!
BEWARE of PREDATORY LENDING!!!!!!!… show more
BEWARE of PREDATORY LENDING!!!!!!!… show more
Jun 29, 2017
I am very happy with this card so far. I love all the coupons I receive from having the card and it makes for great deals! I got the card the end of November with a very low credit limit but have received 2 CLI in the past 2 months. As long as you are responsible with this card it is a good card to have. It does have a high interest rate so I would not recommend carrying to big of a balance.… show more
07/07/20
Good to know. I got a low cl i have to keep paying ot off just to use it lol. I have paid on ot 3 times and just got the card yesterday. When i applied they didnt ask my income info so i thought thats why it was a low cl. I asked them how to get a increase and they told me they monitor every month. Hoping they see me pay it off quick and they will raise it. I love shopping there but with a low cl i have to keep my balance low or it will show high utilization on my report. Its expensive so 200 dont get you alot and that would show as maxed out. I dont want that lol.… show more
Jun 20, 2017
The worst credit card smn can have.Their customer service is terrible and they will never wave a late fee even if the payment was done 30 min after their time limit.
Such a shame to treat your customers so bad.Shame on you VS.
Such a shame to treat your customers so bad.Shame on you VS.
Jun 08, 2017
Terrible card and customer service. Watch out for erroneous late fees and minimal charge fees!!!! Will never use this card again. Account closed. I have excellent credit (790) and have never been late with any credit card payment. Victoria's Secret charged me two months in a row late fees ($56.00) and when I called to inquire the CS was less than helpful. It is a loss for them.
Feb 01, 2017
I love my VS card!!! The only reason why some people would have a bad experience is because they don't pay or can't handle their finances. I have a pretty high balance on my card and don't mind paying the minimum it is worth all the perks and bonuses. I became a Forever Angel after only 3 months and I've been getting so many freebies! Because of the early access and thanks to the coupons and most recently the semi-annual sale I have a huge collection of both VS and PINK thanks to the rewards my sister has been able to benefit from my card as well and we really do love it.… show more
04/22/19
To yaya: very show off person you are. Lol. Sorry I’m rude but it a true. Taking about showing off how much $ you have to able to shop . I made abt 1 grand purchase each time I visit VS store. I become FA just after my first shop with them. Paying late doesn’t mean you don’t abve money to pay or how much you have .. it abt of course mistake to miss-Pay ontime for thousan and reasons. What ppl talking here is not abt the rewards , but abt customer service. You r Choe that you make good money , purchase large amount of clothes, but cheap because you just do it when it have sale- and not even care if customer service is good or not.… show more
09/24/17
Comenity Bank is known for closing ALL your accounts with them if your habits suddenly change; such as a spike in credit inquiries or applying for too many of their cards. Consumer Error.
04/12/17
Ummm completely wrong. This bank sucks. I have several cards by this bank several years old all paid in full every month no late payments in several several years. They decided that because I am a responsible consumer to start canceling all my cards because I don't carry a balance. And in fact just issued me a bed bath beyond card last week and before I can use it cancelled it. Now tell me how that is even possible - nothing in my history credit or salary/job changed especially between the time they approved my master card to the time they cancelled it. This bank sucks… show more
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Last updated on: Mar 25th, 2021 at 08:42 ET
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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.
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Offer last updated: Mar 25th, 2021 at 08:42 ET