Jan 16, 2017
bree_russell1
Victoria secret has terrible customer service, trying to reach anyone on the phone to speak to about your credit card is rediculous. Other places have better customer care. I had a credit card with Victoria Secret but I just recently closed it because I was issued a returned fee of my payment after trying several times to pay through the automated phone line. They refused to waive the fee (which by no means was it
clear this would happen). Trying to create an online account was also difficult to try and make a bill payment. They need to change their system and better assist their customers and make it clear of fees of which could happen. I am very disappointed with Victoria secret and will not be shopping with them in the future.… show more
Jan 04, 2017
danafirmin
Don't get this credit card. They harass you and will not work with you! Also they will threaten you with an attorney. The interest is so high that when you miss one payment it's like buying something else in the store. When I called to address my concerns to community bank no one was will to listen they were all very rude even the manager.
Jun 04, 2016
tingc
You need 250 points to get a $10 dollar discount on the next purchase at victoria secret. It's $1 for 1 point, except there's triple points on bras. It's not a cash back card, it's more of a discount on future purchases. For example, spent at least $84 dollars in bras not counting taxes, and you'll get a $10 dollars discount. BAD: When you activate your new credit card, they forces you to speak to
a person who will try to sell you account assure service. Other credit card companies have an automated system with no fuss, I truly find this sales tactics very disturbing.… show more
Apr 21, 2016
andream_18
I signed up for this credit card thinking it was a rewards card because the person attending me did not tell me this was a credit card. I found out by mail when i got my statement. I canceled it soon after and now i have a poor credit score.
Feb 23, 2016
bluebellrose
The points expire after 12 months. But if you plan to buy at least a 100 dollars of bras per year from vs, it's quite worth it, as it does work out to approx 12% back in points. however if you don't buy their bras that often, you're better off buying vs gcs at your local grocery store and using the 4% bonuses that way.
Jan 18, 2016
kathyk_5
I like the rating and the nice reviews.
Jan 10, 2016
ashleym_31
I didn't have an issue with the card until I received a phone call telling me my payment was overdue and that I was charged a late fee for not paying. I told the lady that I had not received a bill in awhile so I figured I no longer had a balance. I receive all of my bills via paper still and since I hadn't received one in awhile, I figured I had already
paid the bill and everything was squared away. The lady then informed me that I had signed up for paperless billing.. something I am always offered with every credit card, but never do. I don't know if the girl who got my credit card started in-store made the mistake or if that is the default setting for their website. Either way I had to pay the late fee and the 25% interest because of this error that I was unaware of. Needless to say I won't be using the card again because of this issue and would discourage others from using it. Aside from the initial discount for signing up, this card never seems to yield any real benefits. Only mishaps that result in my paying for an unnecessary fee and a customer service staff who does not feel inclined to help.… show more
Dec 26, 2015
tomsmith_tam
My Victoria’s Secret Store Credit Card has been great, and it’s definitely one of my most used credit cards. I shop for my girlfriend 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.… show more
Dec 26, 2015
epic.ellie
I like that the Victoria's Secret Angel card is so easy to get approved for. Their customer service is top notch, and very helpful if you call in to ask a question. The rewards are easy to rack up from simple purchases, and you get mailed out quarterly coupons and promotions to use either in store or online. They quickly upgraded me to the VIP card after only using it for a year or so,
which came with even better perks like Annual Sale discounts and monthly coupons in the mail!… show more
Dec 17, 2015
kellyt11
This card was very easy to apply for, and it made purchasing in store and online almost instantaneously available. Although the interest rate is a bit high for my taste, if one stays on track with payments, there are several perks that you can enjoy.
Dealing with customer service and their payment portal is easy as well. I have never had a problem finding a friendly associate or making a payment through their system. I
find it a joy to deal with them.
Perhaps the best thing about this card is the perks system. They send free coupons, items, and specials to me each month. I am consistently surprised and pleased by their incentives.
Go, VS! You are great!… show more
Dec 17, 2015
carrie_dansby
As a fairly frequent shopper, I got this card to build my credit. I didn’t have much at all, but it was pretty decent. Since I’ve gotten it, I’ve been able to raise my credit score by several points, which is wonderful for me, as I am looking into purchasing a car. This is a great starter credit card for young women!
Dec 13, 2015
kelli
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.… show more
Dec 09, 2015
shaunab_1
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
Dec 09, 2015
maggieb4
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!!! $… show more
Dec 01, 2015
pet
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
Nov 12, 2015
tianyiz1
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!
Nov 11, 2015
shelleyb1
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.… show more
Nov 05, 2015
trishaw_2
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.… show more
Oct 31, 2015
dannyw_6
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.
Aug 16, 2015
lisab_29
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!… show more
Aug 15, 2015
dylanq
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
Aug 13, 2015
krystalh12
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!
Aug 05, 2015
skyd1
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.
Jul 21, 2015
cassandrac_7
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.… show more
Jul 18, 2015
jeannettes_1
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.
Jun 29, 2015
kristenl_7
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.… show more
May 26, 2015
kailad
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.… show more
May 26, 2015
crystalt_11
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!… show more
May 20, 2015
kristink1
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%!
May 07, 2015
brittnib1
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.… show more
May 01, 2015
haleyb_1
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.… show more
May 01, 2015
millyp201
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.… show more
May 01, 2015
stevenp_22
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.
Apr 20, 2015
haadkison
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.… show more
Apr 17, 2015
joshua_lockerby
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… show more
Apr 15, 2015
norma.l.fabian
Do you get a instant approval? I didn't get denied but it said to wait 7 to 10 days. I applied online.
Mar 30, 2015
selena1000
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.
Mar 25, 2015
kristyg1185
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.… show more
Mar 19, 2015
emily.a.miller.9
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.… show more
Mar 16, 2015
johnnieh87
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.… show more