Victoria's Secret Credit Card

I don't actually shop at Victoria's Secret too often, I just wanted another card to help me build credit, but I now know that this was absolutely NOT the card to do that with. The interest rate is just ridiculous - 25%!!!!!. I feel so stupid for not checking before I applied. I do like how there's no annual fee, so I've kept it open and just put a coffee or two on it each month and be sure to pay it off. However, it has helped my credit score enough that I think I can get a better card somewhere else with a much better interest rate.

I love my VScard and I've found the best way to pay it is in store they will take the payment with no fees it takes three business days to post but it's very convenient. I've had my card for three weeks and have already hit forever Angel status. I love VS

Have been a customer since 2003, and the last time I bought something was July 2015, thought I paid it off but apparently I had a $2 balance and ended up paying an extra 71 because apparently I was 2 months late but never received my statements and apparently it's my fault. This is the 2nd time they have done it and I have NEVER received a statment. No incentive to stay...do not get a card they will make up charges and apparently send you statements which I've never gotten but my address was correct?!! To bad victorias secret lost a customer guess they wipl have to continue to market the teenagers. Worse CARD EVER!!! $

I been using my vs credit card and i like it to get early access but im hoping soon they would let us get our reward points on the credit card as well instead of having to wait to get the reward in the mailed. It been a coupons weeks and i havent receive my october rewards

Don't maintain any balance on this card! I'm a foreigner and I don't usually bother to read the whole bank policy when I apply for and use a credit card. I just make sure to avoid any late minimum payment. BUT, this victoria secret card will give extra financial charge even when you never missed any minimum payment. BE CAREFUL!

Shoppping at VS is always a pleasure, and this card is a fun and easy way to get all kinds of rewards and extras and incentives, but please be warned that this card is only for those who are very strict about their spending. To get value out of this card, you must - MUST! - pay off the card in full each month and never carry a balance. This is because this card carries an enormous interest charge, just utterly ridiculous. It's frankly a very bad deal to carry any sort of a balance because you will pay through the nose and it won't be worth any of the extra incentives you get. Now. If you can spend wisely and pay off your card every single month, for your time and trouble, you get points for purchases which do add up over time. You also get a birthday gift. I got a pair of panties, so, uhhh...yeah. Not that great. I guess now you also get an annual thank you gift, I don't know what that is, and also you get first access to sales and specials and triple points throughout the year occasionally and you have the opportunity to make some smart purchases if you are careful. If you already shop there and are disciplined with your credit cards, then you might as well sign up and get your freebies and fun stuff. Again, be careful with that interest rate. It's a huge trap and one could easily overspend and get in trouble and owe way more than you meant to. So be careful.

I love shopping at Victoria's Secret and earning points for doing so! The reward system is great, and you get lots of coupons (potentially). Unfortunately, I have had some bad luck with the card. First, the card was never sent to me. I did not receive the little book of offers nor the birthday reward. I called to ask for it to be sent and there was a mysterious $200 charge on my card! The fraud department at Comenity bank took care of it, which was very nice. I also requested the book of offers, and was told that it would be sent right out, but it still has not been 3 months later. I was recently upgraded to Angel VIP and, once again, have to ask for the card to be sent to me. So I've missed out on most of the rewards, and receiving the actual cards, but it's still a nice rewards card. Victoria's Secret is a great company and I know they receive a lot of traffic each day, so it's hard to keep everything in order.

I love using this card, not only does it look great but it has so many great benefits. There are a lot of great ways to earn bonus points and it's great that you can get 50 points just for registering. If you shop at Victoria's Secret as much as I do you will definitely see the benefits pile up for this Victoria's Secret credit card.

I love VS! I love this card! This is a great card to get started with if you need to build your credit. I've had it for years, and I just recently achieved Forever Angel status! The key to this card is moderation. I usually use it once or twice a month and pay it off. The APR is high, that is common with store CC. The perks really are worth it, and like I said, keep the balance low and pay it off. As for those who say it's hard to pay online etc., I have the app and it is a breeze and no fee. I have never had any issues!

if i don't sign up for a card do they send me things in the mail because i don't want things sent to me in the mail

Other stores would not give me a credit card. Victoria secret did and now theyve gotten so much of my money. They were very smart to do that. I will forever be a loyal customer!

This card is great! You earn points just for signing up and there is a $10 reward for every 250 points earned! I have a Macy's store card and the benefits aren't nearly as good. They only have sales occasionally. That is the only benefit. With the Victoria's secret card you actually earn money, just to shop.

I absolutely love this credit card i've had it for about 3 years. At the beginning when i first opened it i had trouble keeping up due to financial issues but i would call and they would always work with me. Once i was able to get caught up and my payments were on time they increased my limit. After 2 more months they increased my limit again. I get free undies every month & cards to get discounts on bras. They give a lot of free stuff. I absolutely love being a Victoria's Secret Angel. Lots of perks!! If i had to choose to keep only one credit card this one would definitely be it.

Can anyone tell me how long before I receive my Angel Credit Card in the mail? It has been 6 wks and I haven't received anything! I applied in store and I'm sure they told me but I was just so excited that I must've had tunnel vision lol.

Giving the card 2 stars due to all the perks you get. Other than that, it sucks! About s year ago, I got hit with a late charge, even though I never received a statement in the mail or online saying I had a balance/due date. I ended up getting it taken off due to the fact that I always pay on time. While on the phone the customer service lady convinced me to sign up for a free trial of the account assurance. I made sure that it would not recharge my card after the trial. Now recently, I noticed that my balance was high, even though I had been paying it off and not purchasing anything. I looked at my balance online and noticed I had been being charged about $30/mo for the account assurance, about $30 for having a balance on the card, plus a bunch of other fees that ranged from a dollar to $15. I immediately called customer service and the guy took me off account assurance, (I had only recently been being charged for it. He refused to refund my money). He said I would be charged as long as I have s balance, and could not explain the smaller fees. I will be canceling the card as soon as I pay it off. All these fees are a new thing that have never been charged to my card before. I have been a card holder for at least 5 years.

I've had my Pink Angel card (same thing) for about 2 months and I absolutely adore it. Not only is the card itself super cute, but when you get it in the mail, I also received a little book of goodies with a special coupon for each month. There are about 3 free undies in that book. Thats about $30 at VS. They give out a lot of free money. Every time I shopped for some reason they gave me a free $15 for next time. I have been extremely happy with signing up of this card. As long as you keep up with the bill, it shouldn't be a burden at all.

Don't get this card it's not worth the trouble!!!! I give no stars for the rating if it let me! If you move and give them your new address they won't mail you a statement they will just send it to a collection agency and not even let you pay online they will try to make you pay over the phone! Not going to happen!!! Plus these collection agency/Comenity Bank people sound so stupid and disrespectful they don't even give you any information about what is going on! The number they call from comes up "Unknown!" Saying I need get an attorney to call. They are manipulative and not helpful at all. Instead of them sending my statement/bill in the mail they send you thousands of stupid magazines in the mail hoping you buy more of there crap! Don't Get This Victoria Secret Card they will take advantage of anyone they can!

This card has a lot of perks, but balances those out with a fairly hefty APR. I have always been a fan of store credit cards that offer exclusive deals to their card holders and Victoria's Secret does a great job of this. However, I would be reluctant to put any purchases on the card seeing as the APR is 24.99%!

Love this card! I use it often and pay it off each month so the apr doesn't affect me that much. The rewards on this card are awesome! I get $10 back for every 250 points. I shop at "Vickis" a lot so I have been receiving $15 rewards now and have reached black card status. In addition, I am able to easily pay my card online. I can also review my rewards points online and see how many points I need until my next reward. Victoria Secret sometimes has special sales and events for cars members only.

When initially reviewing the card terms, I found them a little confusing, but after further review think that this is a decent store card for a frequent Victoria's Secret shopper who is a smart spender and will pay off their balance in full each month. You accumulate one rewards point for each dollar spent, which with the rewards payout of $10 for every 250 points is kind of like getting 4% cash back rewards. You have the opportunity to triple reward points during sales events throughout the year, so if you are strategic you could get money back at a much faster rate. The biggest downside which is common with many store cards is that APR is 25.99% which is extremely high, and there is no intro grace period.

If you frequently shop at Victoria's Secret than this card will work for you. It has tons of perks, you get a lot of rewards. I believe this is the only store card that actually gives you free items frequently, and huge discounts. I got a 50 dollar gift card as a reward while doing my Christmas shopping last year and that was just nice. However there's a reason for my four star rating. The interest is higher than most other cards, so if you can't afford to pay your balance off at the end of the month then I wouldn't recommend it. There's also an annual fee. It's not very high, but why waste money on annual fees if you're not a frequent shopper. This is my favorite store card just because of the great rewards , and I have many, many others.

I had my Angel Card not for long and I love it. Even thou he store is made for a woman, I enjoy shopping in here and getting gifts with all the discounts that I receive throughout the year. It has helped me get out of trouble may times in the past and the low credit line I have keeps me on my feet with debt.

I haven't had my Angel Card for long, but I absolutely love it. I love to shop at VS but sometimes it is just too expensive. This allows me to buy what I want and make payments at my own pace. I've gotten a lot of cute clothes and I usually pay more than the minimum payment. This card has helped me boost my credit in the little time that I've had it. I can also earn points to get store credits and I get more exclusive coupons and promos.

Victoria's Secret Credit Card is a pretty decent card if you shop a lot at Victoria's Secret. If you do not shop a lot there than its better to just get a different credit card. The interest rate is higher than most cards, but if you shop there and pay it off quickly its a great deal since you can earn points for future purchases with is great, since Victoria Secret is more on the expensive side. Earning Angel VIP and Angel Forever earns you triple points is also a nice deal, again, this is for those who shop at VS quite a bit

Do you get a instant approval? I didn't get denied but it said to wait 7 to 10 days. I applied online.

The VS CC is good for it's intented purpose. It offers great discounts with continued use. So that is the biggest advantage overall because the rest of the rate are pretty much even with other cards. As far as the late fee, grace period and interest rate, no bargains there. VS shoppers will benefit from additions discounts on sales and cash off purchases.

overall i am pleased with my vs credit card. i get great discounts and the interest rate is ok, so i try to pay on time usually trying to take out the whole balance. The incentive with the card is the discounts and their point system, i often get $10-15 off once i accrue enough reward points. my opinion of credit cards isn't great but they definitely give you enough incentive with the rewards and coupons so if you pay your balance down every month your items are actually cheaper than if you used cash.

The Victoria's Secret credit card sucks. Never try to pay it online or the will aggressively charge you $25 if the payment does not go through. This can be because you typed a number wrong or they did. They are manipulative and not helpful at all. Comenity Bank is cheap, disrespectful, and takes advantage of anyone they can. I am reporting them to the Consumer Protection portion of the government. They are a disgrace. Do not subject yourself to this manipulation.

I've been considering applying for a Victoria Secret's card and I must say that I'm very pleased after reading some of these rave reviews. I absolutely love to shop at VS rather it be for myself or for someone else its always a pleasant experience. I really like some of the perks that having this card offers such as the points you earn and the early access to the semi annual sales. From what I've learned about the point system of this card I would recieve one point for every dollar I spent. And with today's tough economic system every little bit counts when it comes down to it. I'm also a frequently shopper of American Eagle so naturally I have an ae visa and some of benefits are similar but also differ. My ae visa card only offers a 15% sign up bonus versus the 20% offered with the VS card. Also the point system is different with my ae card I receive $10 off with every ten points I earn, but like I mentioned the point system is setup different. With the ae card I recieve 4% of my purchase in points with an extra point for every $100 I spend. The only thing that I found when comparing this card to my other was that the APR was slightly higher and the points are based differently than I'm used too. This site has been very helpful in helping me weigh my options.

I really enjoy my Victoria Secret Credit card. I am a frequent shopper so I get a lot of the reward cards in the mail for shipping at their store. Once you acquire 250 points, you get a $10 off coupon. I also get special access to certain specials that they are running and to the semi-annual sale. Although I think the interest rate is a bit high, the rewards that you receive for the card are worth it. I would recommend it to anyone who is a frequent shopper at Victoria Secret!

As a frequent Victoria's Secret shopper I was glad to learn that they offered a credit card. With it's easy earning program, I've easily accumulated hundreds of points in little to no time. The $10 reward was an easy earning as was the $15 off. My favorite feature of the Victoria's Secret credit card is having early access to the best money saving Semi Annual Sale! If you are a frequent shopper at Victoria's Secret then this card is essential!

I love the store, and I am so glad I was approved for the VS card! I shop in their store and online all the time, and now I am able to earn rewards for my spending! I love that I get double the rewards on bra purchases, which helped me become an Angel Forever pretty quickly. Another cardholder perk is that I am able to access the Semi-Annual Sale early! Their website is user friendly, and they make it very easy to manage your bill online. The interest rate is pretty high compared to other store cards, but I just make sure to pay it off each month.

they do their best to make you pay as much as possible. They make it really hard to retrieve your username and password. I never got my credit card even though I got approved 6 months ago. They find every single way possible to take your money. If you pay your balance late, $25; got a call from them and agree to pay over the phone? $15 to process the fucking payment. Wtf is that kind of service? You make it hard for me to pay online, then charge me money to help me pay for the balance over the phone?? I expect much better service from such a big company as VS.

The Victoria's Secret Card works perfectly for me. It's all about the points. I utilize this like I do my frequent flyer card. I do quite a bit of shopping here and decided to apply for the card. I must say the rewards program is fantastic. I have already redeemed points for gifts. One thing I don't like is the APR, it is high, so I try to pay this card off right away. Stay on top of that. Another thing is that this card is best for one who is good at managing points and makes it a point to shop here to make the card worth your while. Otherwise its just any ordinary card. If put to use, you can't beat it for the perks.

Victoria Secret credit card was the best choice I've made! Every dollar you spend you get a point, and once you get 250 points you get a $10 reward! Also, when you sign up for the card you get a coupon booklet in the mail with up to 6 different coupons to use throughout the year including $10 dollars off a bra and $15 dollars off a bra. You can also combine those coupons with secret rewards around Christmas time! It's also very easy to pay your credit card bill either online or in store as well.

Victoria Secret card is great! Yes, APR is a little high, but it's similar to most store cards ( I used to have TJX card, but APR was a little higher). One nice thing about this card is that you also get points that you can spend. Overall, good card, but honestly I wouldn't recommend it simply because APR is so high.

Victoria Secret gift cards are great! It makes the luxury pricy bras and lingerie easier to purchase and cheaper to purchase. It is also quick and efficient and as a VIP member, you get coupons, sales and notifications of free gifts once you hit a certain number of points. As someone who shops at Victoria Secret often, being able to achieve points while also shopping was greatly beneficial to me. It is also convenient and easy to use and I am always notified of perks and new clearances. I also am not pressured to pay off my purchases immediately and so that helps with finances as well.

Great card! Victoria's Secret makes it easy to update my lingerie/underwear with great sales, sales, clearances, and incentives. I am currently an Angel VIP (they have 3 levels) and I earn triple points on my anniversary, get early access to the semi-annual sale, double points on all bra purchases, triple points on purchases during events, along with a birthday gift of $10, and a rewards gift each time I earn 250 points! It is easy to use, and easy to make payments as well. I can set up payments online (which I normally do) and can pay the same day without an extra fee.

I have had the Victoria’s Secret Credit Card for a while now and it’s always been easy to use and comes with great perks. Since signing up every month I get a free pair of underwear, which is always a fun treat to get in the mail, and it gets me into the store every time! Why waste it? It’s nice because it’s not just a discount, but something completely free! Personally, I have forgotten to pay store credit cards in the past, but the Victoria’s Secret card makes it so easy. I pay for something either in the store or online with the credit card, and immediately I can see it on my account and pay it off, so I don’t forget about it while I wait for a bill to come. Using the card is so easy, and signing up for it wasn’t as long of a process as signing up for other credit cards.

My Victoria’s Secret Store Credit Card has been great, and it’s definitely one of my most used credit cards. I shop a lot at Victoria’s Secret, and it’s certainly not inexpensive. A few years ago, a sales associate asked me if I wanted to open one of the store’s credit cards as I was checking out. I usually hesitate, but it made sense this time because I got a 20% discount at check out, and I earn points for every dollar I spend. When you earn $250, you get a $10 reward. You also get early access to their semi-annual sales, when they very deeply discount a lot of items, so I find I do a lot of my spending at that time. Additionally, there’s a 25 day grace period on late payments, and no annual fee. I highly recommend this card to anyone who might be considering it; it has come in handy so many times for me!